State RegulationsOH specificDifficulty 3/5
ORC 3905.14(B)(32) sets refund deadlines for Ohio producers, and failing to fulfill a refund obligation timely is a ground for discipline. Which set of deadlines is correct?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
ORC 3905.14(B)(32) creates a rebuttable presumption that a refund was untimely unless it is fulfilled within 30 days after the action or request resulting in the refund, within 30 days after the insurer's refund check date for the agent's share of a refund, or within 45 days after the agent's statement of account on which the refund first appears. Missing these windows is a disciplinary ground the Ohio Superintendent of Insurance can act on.
Why the other options are wrong
- A) 45 days applies only to the agent's statement trigger; 60 and 90 days do not appear anywhere in the ORC 3905.14(B)(32) refund framework.
- C) 21 days is the deadline for responding to a written Department inquiry under ORC 3905.14(B)(21), not a refund deadline, and no 60-day trigger exists in the refund rule.
- D) 10 and 15 days are far shorter than the statutory windows; they correspond to unrelated deadlines elsewhere in Ohio law, not to refund fulfillment under ORC 3905.14(B)(32).
Memory hook
Refunds: 30, 30, and 45 — request, check, statement.