State RegulationsOH specificDifficulty 2/5
A Columbus employee is laid off and wants to continue the employer's group medical coverage under ORC 3923.38. One prerequisite for that Ohio continuation right is that, immediately before the termination, the employee must have been:
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
ORC 3923.38 conditions Ohio's 12-month state continuation right on the employee having been continuously insured under the group policy during the entire 3-month period preceding the termination (and not being covered by or eligible for other group hospital, surgical, or medical arrangements). The look-back is a 3-month continuous-coverage test, not a year-long or health-based test.
Why the other options are wrong
- A) ORC 3923.38 requires continuous coverage for the 3-month period preceding termination, not 12 months.
- B) The 18-month measure is a federal COBRA figure and the statute looks to coverage under the group policy, not any health plan.
- D) Being uninsurable is not a prerequisite; the continuation right rests on the employment and continuous-coverage conditions in ORC 3923.38.
Memory hook
Ohio mini-COBRA looks back 3 months of continuous group coverage.