Ohio Code § 3999.16

§ 3999.16.

No officer, director, trustee, agent, or employee of any insurance company, corporation,

or association authorized to transact business in this state shall knowingly use underwriting

standards or rates that result in unfair discrimination against any person with a

disability.  This section does not prevent reasonable classifications of persons with disabilities

for determining insurance rates. As used in this section, “ disability ” means a medically diagnosable, abnormal condition which is expected to continue

for a considerable length of time, whether correctable or uncorrectable by good medical

practice, which can reasonably be expected to limit the person's functional ability,

including but not limited to seeing, hearing, thinking, ambulating, climbing, descending,

lifting, grasping, sitting, rising, any related function, or any limitation due to

weakness or significantly decreased endurance, so that the person cannot perform the

person's everyday routine living and working without significantly increased hardship

and vulnerability to what are considered the everyday obstacles and hazards encountered

by persons without disabilities.