State RegulationsMA specificDifficulty 1/5
Which Massachusetts regulation contains the state's standards for long-term care insurance benefits, including coverage for home health care?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Long-term care insurance in Massachusetts is governed by 211 CMR 65.00, the Massachusetts Division of Insurance's long-term care regulation. Within it, 211 CMR 65.05(2)(c) addresses home health care benefits and 211 CMR 65.06(3) addresses further benefit standards. The distractors belong to other product lines: 211 CMR 71.00 is the Medicare supplement regulation, 211 CMR 34.00 the life and annuity replacement regulation, and 211 CMR 95 the variable life solicitation regulation.
Why the other options are wrong
- A) 211 CMR 71.00 is the Medicare supplement regulation, not the long-term care benefit standards.
- B) 211 CMR 34.00 governs life insurance and annuity replacement procedures.
- D) 211 CMR 95 regulates variable life insurance solicitation, unrelated to long-term care benefits.
Memory hook
LTC rules live at 211 CMR 65.00 — sixty-five is the long-term care neighborhood.