State RegulationsOH specificDifficulty 1/5
What is the purpose of the shopper's guide required under Ohio's long-term care insurance rules?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
OAC 3901-4-01(EE) requires insurers to provide the shopper's guide, a standardized educational document that explains how long-term care insurance works and helps Ohio consumers compare policies before buying. The Ohio Department of Insurance uses the guide to level the information field between insurers and consumers at the point of sale.
Why the other options are wrong
- A) The shopper's guide is educational and standardized, not a vehicle for advertising any insurer's products.
- B) Claims payment history is not the guide's content; the guide explains LTC concepts and comparisons.
- C) The policy itself is the contract; the guide is a consumer-education document.
Memory hook
Shopper's guide = the LTC instruction manual every buyer gets first.