State RegulationsFL specificDifficulty 1/5
What is the maximum elimination period a Florida long-term care policy may impose?
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Answer & full 3-part explanation (select an option above, or peek)
Why B 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 functions like a deductible in time — the insured must need care for that span before benefits begin — so capping it protects consumers from waiting periods so long the coverage is worthless when needed. Shorter elimination periods are permissible; longer ones are not.
Why the other options are wrong
- A) Thirty days is a shorter, permissible elimination period, but it is not the maximum.
- C) Ten days is a permissible short elimination period, not the statutory maximum.
- D) A 2-year elimination period far exceeds the statutory maximum of 180 days.
Memory hook
LTC waiting room: 180 days max.