State RegulationsFL specificDifficulty 1/5
Under Florida law, a long-term care insurance policy may not impose an elimination (waiting) period longer than:
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Under Fla. Stat. 627.9407(3)(d), a Florida long-term care policy may not impose an elimination period longer than 180 days. The elimination period works like a deductible, requiring the insured to wait before benefits begin, and Florida caps it so an insurer cannot structure a waiting period so long that it effectively swallows the benefit the consumer paid for.
Why the other options are wrong
- A) 14 days is the period tied to the Buyer's Guide delivery condition for ordinary life policies under Fla. Stat. 626.99(4)(a), not an LTC figure.
- B) 21 days is the unconditional refund period for annuities under Fla. Stat. 626.99(4)(b) and (c), not an LTC elimination period.
- D) 30 days is the maximum prior hospital or nursing facility stay an LTC policy may require, not the elimination period cap.
Memory hook
LTC elimination ceiling: 180 days.