State RegulationsOH specificDifficulty 1/5
Under Ohio's state continuation coverage law, for how long may an eligible employee continue group hospital, surgical, or medical coverage after termination of employment?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
Ohio's state continuation statute, ORC 3923.38 (Ohio mini-COBRA), requires a group policy to allow an eligible employee to continue hospital, surgical, or medical coverage for the employee and eligible dependents for 12 months after termination of employment. This 12-month state period is separate from, and shorter than, the 18-month and 36-month continuation periods that federal COBRA provides in the situations where federal law applies.
Why the other options are wrong
- A) 6 months is shorter than the 12-month period ORC 3923.38 requires.
- C) 18 months is a federal COBRA period, not the Ohio state continuation period.
- D) 36 months is the longest federal COBRA period, not the period under ORC 3923.38.
Memory hook
Ohio mini-COBRA = 12 months — federal COBRA's 18/36 do not borrow onto the state law.