State RegulationsTN specificDifficulty 1/5
To which policies does the Tennessee Long-Term Care Insurance Act apply?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
T.C.A. § 56-42-102 provides that the Tennessee Long-Term Care Insurance Act applies to long-term care policies delivered or issued for delivery in Tennessee on or after July 1, 2008. The Act, together with the departmental rule chapter, supplies the state standards for long-term care products — including the tiered contestability rules — and confirms that Medicare supplement rules do not apply to long-term care coverage.
Why the other options are wrong
- B) The Act's applicability turns on the delivery date of long-term care policies, not on whether the policy was sold through a group channel.
- C) The Act is not confined to institutional-benefit policies; it governs long-term care policies as defined in the chapter.
- D) The Act governs long-term care coverage specifically, not every health insurance policy issued in Tennessee.
Memory hook
The LTC Act switches on July 1, 2008.