Limitations of long-term care insurance policies, A.R.S. § 20-1691.03

“Limitations of long-term care insurance policies”
 
Long-term care insurers may not terminate policies based solely on an individual’s age or declines in their mental or physical health. Long-term care insurers may not impose a new waiting period when issuing conversion coverage unless the individual elects to increase their benefits. Each long-term care policy must provide coverage for a minimum of 24 consecutive months. Long-term care insurance policies may include a pre-existing condition provision. Such provision may not exceed 6 months beyond the effective date of coverage unless the Director of Insurance specifies a different maximum. The limitation on imposing a pre-existing condition provision does not prevent an insurer from using an application form that requests information on the applicant’s health history nor does the limitation prohibit using elicited information for underwriting purposes. Long-term care insurance policies may not limit coverage to include only skilled nursing care services or provide coverage for skilled care in facilities in an amount that is significantly greater than the covered provider for lower levels of care.