Sec. 351A-6. Prior hospitalization; institutionalizations.

204 words·~1 min read·/il/chapter-215/act-5/351a-6

A research copy — for the controlling text, always check the official state or federal source. Not legal advice.

(a)On and after the effective date of this amendatory Act of 1989, no long-term care insurance policy may be delivered or issued for delivery in this State if such policy:

(1)conditions eligibility for any benefits on a prior hospitalization requirement; or

(2)conditions eligibility for benefits provided in an institutional care setting on the

receipt of a higher level of institutional care.

(b)Beginning one year after the effective date of this amendatory Act of 1989, a long-term care insurance policy containing any limitations or conditions for eligibility other than those prohibited above in subsection

(a)shall clearly label in a separate paragraph of the policy or certificate entitled "Limitations or Conditions on Eligibility for Benefits" such limitations or conditions, including any required number of days of confinement.

(1)A long-term care insurance policy containing a benefit advertised, marketed or

offered as a home health care or home care benefit may not condition receipt of benefits on a prior institutionalization requirement.

(2)A long-term care insurance policy which conditions eligibility of non-institutional

benefits on the prior receipt of institutional care shall not require a prior institutional stay of more than 30 days for which benefits are paid.