State RegulationsOH specificDifficulty 2/5
An Ohio applicant who manages a household and has no outside employment applies for disability income coverage. The insurer refuses the application solely because of the applicant's household status. Under Ohio law, the insurer:
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
ORC 3901.21 specifically prohibits refusing disability income coverage solely because the applicant manages a household. A household manager's unpaid work does not justify an across-the-board denial, and the protection is written into the unfair-discrimination statute rather than left to insurer discretion.
Why the other options are wrong
- A) The statute bars the refusal on that basis regardless of arguments about earned income.
- B) A blanket internal policy does not cure the violation; the prohibition on household-status refusals is specific and direct.
- C) A surcharge is likewise a discriminatory response; limiting or rate-surcharging on that basis falls within the same prohibition.
Memory hook
Homemakers cannot be shut out of disability income.