Please help with 77-80!

77. A few years ago, Bernice, an Ohio resident, purchased a long-term care insurance policy from XYZ Insurance Company. She just received notice that XYZ Insurance Company will be converting her policy to a new form, with no change in benefits. What new waiting period can Bernice expect to have to meet under the converted policy? a. None; a converted LTCI policy issued by the same insurer cannot impose a new waiting period. b. up to 45 days c. up to 90 days Od. six months 78. What is the time limit on pre-existing condition provisions in long-term care insurance policies in Ohio? a. 3 months b. 6 months c. 12 months d. 18 months 79. When can a new waiting period be established for long-term care policy replacement coverage in Ohio? a. when the same company issues the existing policy and the replacement policy b. when the insured voluntarily chooses an increase in benefits c. when the insured has owned the existing policy for at least six months O d. never 80. Under Ohio's Long-Term Care Partnership program, offers of policy exchanges must remain open for at least how many days? O a. 30 days b. 45 days OC. 60 days od. 90 days