State RegulationsOH specificDifficulty 1/5
An Ohio underwriter is most likely to order an attending physician's statement when:
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
An attending physician's statement is ordered when the application or a reporting-organization alert raises a medical condition that needs specifics from the treating physician, such as diagnosis, treatment, and prognosis. The APS is obtained through the applicant's authorization, and its collection and use fall within the information-privacy framework of ORC 3904. It is a targeted underwriting tool, not a routine step.
Why the other options are wrong
- A) Ordering an APS on every application would be unnecessary and costly; the trigger is a specific medical question raised by the file.
- B) A refusal to complete the application ends the underwriting process; it does not substitute for a physician's report.
- C) An APS is an underwriting source gathered before issuance, not a claims document used after a loss.
Memory hook
APS when the paper trail raises a health flag.