Disability & Long-Term CareQuestion 99 of 716
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.24 months
b.90 days
c.6 months
d.30 days
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 §10232.3This topic, taught in full in the California Life & Health Insurance Producer Exam guide. California Life & Health Insurance Producer Exam — Complete Study Guide (2026) — PDF + EPUB, $19.99 · 14-day refund →
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Reviewed by John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verify)