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Consumer Protections
Ohio law requires companies that sell long-term care insurance to give you information to help you protect yourself. The company must give you a whole range of information as listed below.
- Ohio Shopper's Guide to Long-Term Care Insurance: the company's name may be printed on the cover, but this booklet was written by the National Association of Insurance Commissioners (NAIC) and it has a lot of good information about long-term care insurance.
- An outline of coverage: a summary of the policy that explains what the policy will do and what it will not do.
- Notice of your 30 day free-look period. Even if you sign a contract and write a check, once you receive the policy you have 30 days to look it over and, if you change your mind, get a full refund.
- Company history of rate increases.
- Suitability standards. Because not everyone should buy LTC insurance, state law now requires a new form to be part of your application. The Personal Worksheet can help determine your ability to pay premiums and your reasons for buying.
- Nonforfeiture option required. Many policies already offered a nonforfeiture option prior to 2002; now Ohio requires it. This optional coverage (which may increase your premium) allows you to collect partial benefits if you stop paying premiums for any reason.
Ohio Department of Insurance
Columbus OH 43215
Description:
The mission of the Ohio Department of Insurance is to provide consumer protection through education and fair but vigilant regulation while promoting a stable and competitive environment for insurers. The department publishes several consumer's guides, including:
Shopper's Guide to Long-term Care Insurance
Shopper's Guide to Life Insurance
Empty Nester's Guide to Auto Insurance
Shopper's Guide to Annuities Insurance
Shopper's Guide to Medicare Supplement Insurance, Medicare Options and Part D
Other Services Include:
The Ohio Coalition for Adult Protective Services
Columbus Ohio 43214
Description:
The Ohio Coalition for Adult Protective Services (OCAPS) is a statewide coalition that strives to enhance the provision of services to adults at risk of abuse, neglect and exploitation through collaboration, education and advocacy, per the mission statement adopted by the organization.
If you believe that an adult age 60 or older has suffered abuse, neglect or exploitation, resources are available at the following link https://www.ocapsohio.org/where-to-get-help