State RegulationsOH specificDifficulty 1/5
An Ohio long-term care policy pays benefits only after the insured is institutionalized. Under ORC 3923.44, what limit applies to a prior institutional stay requirement in that policy?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
ORC 3923.44 provides that a long-term care policy may not require a prior institutional stay of more than 30 days as a condition of benefits, and may not condition benefits on readmission within less than 30 days after discharge. The rule prevents issuers from structuring so-called institutionalization triggers that effectively delay or deny long-term care benefits to Ohio policyholders.
Why the other options are wrong
- B) 10 days is not the statutory cap; the prior-stay limit in ORC 3923.44 is 30 days.
- C) 90 days exceeds the statutory maximum a policy may impose; 30 days is the ceiling.
- D) Disclosure does not override the statute; the 30-day prior-stay cap applies regardless of what the outline says.
Memory hook
Prior stay demands cap out at 30 days.