State RegulationsOH specificDifficulty 2/5
A Youngstown worker converts his terminated group life coverage into an individual policy. Which statement correctly describes the benefits the converted individual policy carries?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Under ORC 3917.06(H)(1), the individual policy issued on conversion after termination of employment or membership is issued without disability or supplementary benefits. Conversion preserves a basic death benefit on a guaranteed basis, but the statute does not require the insurer to carry over disability riders or supplementary coverages from the group contract, which keeps the converted policy simple to issue without underwriting.
Why the other options are wrong
- A) Disability benefits do not carry over; ORC 3917.06(H)(1) states the converted policy is issued without disability benefits.
- B) Supplementary benefits from the group contract need not be included in the converted individual policy under ORC 3917.06(H)(1).
- D) No accidental death benefit is added automatically; the converted policy is issued without disability or supplementary benefits.
Memory hook
Conversion gives plain death coverage only — no riders ride along.