State RegulationsOH specificDifficulty 3/5
A retiring employee in Cincinnati was never told of his group life conversion right. The employer's notice finally arrives only 10 days before the 31-day conversion period expires. How far is the conversion right extended?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
ORC 3917.06(H)(3) requires that the individual be given notice of the conversion right at least 15 days before the 31-day conversion period expires. If that notice is not given, the conversion right extends to 15 days after the notice is given, but in no event beyond 60 days after the expiration of the period provided in the policy. This protects employees from silently lost conversion rights while keeping an absolute outside deadline.
Why the other options are wrong
- A) The statute specifically extends the right when the required notice was omitted, so the right does not simply lapse with the 31-day period.
- B) The extension after notice is 15 days, not 30, and ORC 3917.06(H)(3) imposes a firm outside limit rather than leaving the right open-ended.
- D) The outside limit is measured at 60 days after expiration of the period provided in the policy, not 15 days after that expiration.
Memory hook
Late notice buys 15 days, capped at 60.