State RegulationsOH specificDifficulty 3/5
Which statement correctly distinguishes a service waiting period from a preexisting-condition waiting period under ORC 3924.01?
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
ORC 3924.01 treats these as two different gates: the service waiting period is measured by the employee's length of employment before coverage starts, while a preexisting-condition waiting period is measured by health history — it postpones benefits for conditions that existed before coverage began. Confusing the two is a classic exam error because both delay coverage but for completely different reasons.
Why the other options are wrong
- B) Only the preexisting-condition waiting period looks at health history; the service waiting period looks solely at employment tenure.
- C) A service waiting period applies to employees whose coverage is starting — it is not a dependents-only device.
- D) The grace period is extra time to pay premiums without losing coverage; it has nothing to do with preexisting conditions.
Memory hook
Service waits on the job clock; preexisting waits on the medical chart.