State RegulationsIL specificDifficulty 1/5
Which pair of Illinois authorities governs long-term care insurance?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
Long-term care insurance in Illinois is governed by the LTC article of the Illinois Insurance Code, beginning at 215 ILCS 5/351A-1 and running through the sections that follow, together with 50 Ill. Adm. Code 2012, the administrative rule Part implementing LTC standards. The Illinois Department of Insurance enforces this framework for both traditional LTC policies and LTC Partnership policies.
Why the other options are wrong
- A) 215 ILCS 5/363 and 50 Ill. Adm. Code 2008 are the Medicare supplement statute and rule, not the LTC authorities.
- C) 215 ILCS 5/224 contains life policy standard provisions and 50 Ill. Adm. Code 917 governs life replacement; neither addresses long-term care insurance.
- D) 215 ILCS 5/363a is the Medicare supplement enrollment statute and 50 Ill. Adm. Code 909 is the life advertising rule; neither governs LTC.
Memory hook
LTC lives at 351A with rule 2012 as its sidekick.