State RegulationsGA specificDifficulty 2/5
A Georgia life insurance policy includes a long-term care rider. For purposes of coverage by the Georgia life and health insurance guaranty association, how is the LTC rider treated?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Under O.C.G.A. § 33-38-7(a)(12)(G), an LTC rider attached to a policy is treated as the same type of benefit as the base policy for guaranty association purposes. Guaranty coverage follows the base policy's classification rather than treating the rider as standalone long-term care coverage.
Why the other options are wrong
- A) The statute does not exclude LTC riders from guaranty coverage — it classifies them with the base policy's benefits.
- B) The rider is not carved out as a separate health benefit plan with an independent cap.
- D) Coverage does not depend on an insurer's written request — the statute fixes the treatment directly.
Memory hook
The rider rides with the base policy — same type, same classification.