Member State Information for Individual LTCi Uniform Standards

The information that is provided below has been supplied to the Insurance Compact by the member states with regard to the individual Long-Term Care Insurance (LTCi) Uniform Standards. This information will be updated as necessary.

Member Modified Rate Schedules Daily Policy Minimum Benefit -- NOT Partnership (other than home/health care dollar equivalent to 1/2 of nursing home & min. inflation protection required by Uniform Standards)? Daily Policy Minimum Benefit NOT Partnership? Maximum Policy Elimination
Period NOT Partnership?		 Maximum Policy Elimination
Period NOT Partnership?		 Minimum Policy Benefit Period -- NOT Partnership (other than 12
consecutive months required by the Uniform Standards)?		 Minimum Policy Benefit Period --
NOT Partnership (other than 12
consecutive months required by the Uniform Standards)?
    Offered Issued Offered Issued Offered Issued
Alabama PERMITTED NO NO NO NO NO NO
Alaska PERMITTED NO NO NO NO NO NO
Arizona -- OPT OUT              
Arkansas NOT PERMITTED NO NO NO NO NO NO
Colorado NOT PERMITTED NO NO NO NO NO NO
Connecticut -- OPT OUT              
Delaware -- OPT OUT              
District of Columbia -- OPT OUT              
Georgia PERMITTED NO NO NO NO NO NO
Hawaii NOT PERMITTED NO NO NO NO NO NO
Idaho PERMITTED NO NO NO NO NO NO
Illinois NOT PERMITTED NO NO NO NO NO NO
Indiana -- OPT OUT              
Iowa PERMITTED NO NO NO NO NO NO
Kansas PERMITTED NO NO NO NO NO NO
Kentucky PERMITTED NO NO NO NO NO NO
Louisiana PERMITTED NO NO NO NO NO NO
Maine PERMITTED NO NO NO NO NO NO
Maryland NOT PERMITTED NO NO NO NO 24 months (Insurance Article, §18-101(f)(1), Annotated Code of Maryland) 24 months (Insurance Article, §18-101(f)(1), Annotated Code of Maryland)
Massachusetts PERMITTED $125 / day (130 CMR 515.014(A)(2) and 211 CMR 65.06(4)(a)) NO 365 days (211 CMR 65.05(2)(a)) 365 days (211 CMR 65.05(2)(a))  730 days (211 CMR 65.05(2)(b)) 730 days (211 CMR 65.05(2)(b))
Michigan PERMITTED NO NO NO NO NO NO
Minnesota PERMITTED NO Non Tax-Qualified Plans: must be lesser of $40 or actual charges (nursing facility); lesser of $25 or actual charges (home services) [Minn. Stat. § 62A.48, Subd. 2] NO Non Tax-Qualified Plans: waiting period of up to 180 days [nursing facility]; 90 days [home services] [Minn. Stat. § 62A.48, Subd. 2] Non Tax-Qualified Plans: 62A.48, Subd. 1; Tax-Qualified Plans: 62S.01, Subd. 18. Non Tax-Qualified Plans: not less
than 1 year (nursing facility); Tax Qualified Plans: not less than 12 consecutive months {Minn. Stat. § 62A.48, Subd. 2}
Missouri PERMITTED NO NO NO NO NO NO
Mississippi PERMITTED NO NO NO NO NO NO
Montana -- OPT OUT              
Nebraska PERMITTED NO NO NO NO NO NO
Nevada PERMITTED NO NO NO NO NO NO
New Hampshire PERMITTED NO NO NO NO NO NO
New Jersey -- OPT OUT              
New Mexico PERMITTED NO NO NO NO NO NO
North Carolina PERMITTED NO NO NO NO NO NO
North Dakota -- OPT OUT              
Ohio PERMITTED NO NO NO NO NO NO
Oklahoma NOT PERMITTED NO NO NO NO NO NO
Oregon NOT PERMITTED NO NO NO NO 24 months (ORS 743.655(2)(f)) 24 months (ORS 743.655(2)(f))
Pennsylvania PERMITTED NO NO NO NO NO NO
Puerto Rico PERMITTED NO NO NO NO NO NO
Rhode Island PERMITTED NO NO NO NO NO NO
South Dakota  -- OPT OUT              
Tennessee PERMITTED NO NO NO NO NO NO
Texas PERMITTED NO NO NO NO NO NO
Utah PERMITTED NO NO NO NO NO NO
Vermont PERMITTED Offer 3 benefit options: $100 max per day/90 or 100 day elimination period/2 yr benefit period AND $150 max per day/90 or 100 day elimination period/3 yr beneft period AND $200 max per day/90 or 100 day elimination period/5 yr benefit period. (DFR) Rule H-2009-01 Long-Term Insurance Regulation, Section 6 (K)(1)(a-c)) Not less then $75 per day (DFR Rule H-2009-01 Long-Term Insurance Regulation, Section 6 (J)(5)) Offer 3 benefit options: $100 max per day/90 or 100 day elimination period/2 yr benefit period AND $150 max per day/90 or 100 day elimination period/3 yr beneft period AND $200 max per day/90 or 100 day elimination period/5 yr benefit period. (DFR) Rule H-2009-01 Long-Term Insurance
Regulation, Section 6 (K)(1) a-c))		 Not greater than 100 days (DFR Rule 2009-01 Long-Term Insurance Regulation, Section 6(I)(2)) Offer 3 benefit options: $100 max per day/90 or 100 day elimination period/2 yr benefit period AND $150
max per day/90 or 100 day elimination period/3 yr beneft period AND $200 max per day/90 or 100 day elimination period/5 yr benefit
period. (DFR) Rule H-2009-01 Long-Term Insurance Regulation, Section
6 (K)(1)(a-c))		 No less than 365 benefit days (DFR
Rule H-2009-01 Long-Term Insurance Regulation, Section 6 (J)(5).)
Virginia PERMITTED NO NO NO NO NO NO
Washington NOT PERMITTED $25 / day for home health care services(WAC 284-83-050 (3) (b)) $25 / day for home health care services (WAC 284-83-050 (3) (b)) NO NO 365 days for home health care services (WAC 284-83-050 (3) (b)) 365 days for home health care services (WAC 284-83-050 (3) (b))
West Virginia PERMITTED NO NO NO NO NO NO
Wisconsin PERMITTED $60 (Ins 3.46(4)(b), Wis. Adm. Code) $60 (Ins 3.46(4)(b), Wis. Adm. Code) 180 days (Ins 3.46(12)(a), Wis. Adm. Code) 180 days (Ins 3.46(4)(d), Wis. Adm. Code) 365 days (Ins 3.46(4)(e), Wis. Adm. Code) 366 days (Ins 3.46(4)(e), Wis. Adm. Code)
Wyoming PERMITTED NO NO NO NO NO NO