State RegulationsMA specificDifficulty 1/5
In Massachusetts, how long is the right to return period for a long-term care policy delivered to an applicant?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
Massachusetts gives long-term care purchasers a right to return of at least 10 days from delivery under 211 CMR 65.101, with the return mechanics addressed at 211 CMR 65.101(5); returning the policy within the period unwinds the sale and the premium is refunded. The period is deliberately a floor — at least 10 days — and it must never be confused with the 30-day Medicare supplement right to return under 211 CMR 71.13 or the 20-day replaced life and annuity free look under 211 CMR 34.06(1)(d), since Massachusetts free-look periods attach to the product.
Why the other options are wrong
- A) 20 days is the replaced life and annuity free look under 211 CMR 34.06(1)(d), not the long-term care right to return.
- C) 30 days is the Medicare supplement right to return under 211 CMR 71.13; long-term care's floor is at least 10 days.
- D) Long-term care purchasers do have a right to return — of at least 10 days under 211 CMR 65.101.
Memory hook
LTC's floor is ten: at least 10 days to send it back under 211 CMR 65.101.