Disability & Long-Term CareQuestion 99 of 315
In California, a long-term care policy may NOT exclude a pre-existing condition for more than how long after the policy's effective date?
a.30 days
b.3 months
c.6 months
d.2 years
Explanation
California caps the pre-existing condition exclusion in an LTC policy at 6 months from the policy's effective date. After 6 months, a previously disclosed condition cannot be used to deny a claim.
Law Reference: Cal. Ins. Code §10232.3Practice all 315 questions free — no signup required.
Related questions on this topic
- A long-term care policy that pays a flat $200 daily amount whenever benefits are triggered, regardless of the actual cost of care, is BEST described as:
- Under the California Long-Term Care Insurance Reform Act, an applicant for an individual LTC policy has how many days to return the policy for a full refund of premium?
- What inflation protection must a California LTC insurer offer to each applicant for a new individual long-term care policy?
- The MAIN consumer benefit of buying a California Partnership for Long-Term Care policy, rather than an ordinary LTC policy, is:
- Compared with a non-tax-qualified long-term care policy, a federally tax-qualified LTC policy:
- Which definition of total disability is MOST favorable to the insured during the ENTIRE benefit period?
Last reviewed: · editorial process
PrepPass Editorial Team · Verified against California Life & Health Insurance License Exam · How we review