In Ohio, inflation protection in long-term care policies can be omitted if the policyholder does what action?

• A. The policyholder rejects the coverage in writing
• B. The policyholder requests a higher inflation rate
• C. The policyholder completes a medical underwriting form
• D. The policyholder signs a waiver of all inflation protections

Answer: (A)

Inflation protection raises LTC benefits over time to keep up with rising costs, but you can choose to drop that feature if you prefer a lower premium. In Ohio, the official way to omit inflation protection is to submit a written rejection indicating you do not want the inflation rider. This formal written rejection makes the protection unavailable in the policy.

The other actions don’t fit because requesting a higher inflation rate would increase protection, medical underwriting is about health risk and isn’t the method to waive inflation features, and while a waiver might sound like it would remove protections, the recognized method to omit them is a written rejection.