The information that is provided below has been supplied to the Insurance Compact by the member states with regard to the individual Long-Term Care Insurance (LTCi) Uniform Standards. This information will be updated as necessary.
| Member | Modified Rate Schedules | Daily Policy Minimum Benefit -- NOT Partnership (other than home/health care dollar equivalent to 1/2 of nursing home & min. inflation protection required by Uniform Standards)? | Daily Policy Minimum Benefit NOT Partnership? | Maximum Policy Elimination Period NOT Partnership? | Maximum Policy Elimination Period NOT Partnership? | Minimum Policy Benefit Period -- NOT Partnership (other than 12 consecutive months required by the Uniform Standards)? | Minimum Policy Benefit Period -- NOT Partnership (other than 12 consecutive months required by the Uniform Standards)? |
| Offered | Issued | Offered | Issued | Offered | Issued | ||
| Alabama | PERMITTED | NO | NO | NO | NO | NO | NO |
| Alaska | PERMITTED | NO | NO | NO | NO | NO | NO |
| Arizona | PERMITTED | NO | NO | NO | NO | NO | 24 months, (ARS 20-1691.03(C)) |
| Arkansas | NOT PERMITTED | NO | NO | NO | NO | NO | NO |
| Colorado | NOT PERMITTED | NO | NO | NO | NO | NO | NO |
| Connecticut -- OPT OUT | |||||||
| Delaware -- OPT OUT | |||||||
| District of Columbia -- OPT OUT | |||||||
| Georgia | PERMITTED | NO | NO | NO | NO | NO | NO |
| Hawaii | NOT PERMITTED | NO | NO | NO | NO | NO | NO |
| Idaho | PERMITTED | NO | NO | NO | NO | NO | NO |
| Illinois | NOT PERMITTED | NO | NO | NO | NO | NO | NO |
| Indiana -- OPT OUT | |||||||
| Iowa | PERMITTED | NO | NO | NO | NO | NO | NO |
| Kansas | PERMITTED | NO | NO | NO | NO | NO | NO |
| Kentucky | PERMITTED | NO | NO | NO | NO | NO | NO |
| Louisiana | PERMITTED | NO | NO | NO | NO | NO | NO |
| Maine | PERMITTED | NO | NO | NO | NO | NO | NO |
| Maryland | NOT PERMITTED | NO | NO | NO | NO | 24 months (Insurance Article, §18-101(f)(1), Annotated Code of Maryland) | 24 months (Insurance Article, §18-101(f)(1), Annotated Code of Maryland) |
| Massachusetts | PERMITTED | $125 / day (130 CMR 515.014(A)(2) and 211 CMR 65.06(4)(a)) | NO | 365 days (211 CMR 65.05(2)(a)) | 365 days (211 CMR 65.05(2)(a)) | 730 days (211 CMR 65.05(2)(b)) | 730 days (211 CMR 65.05(2)(b)) |
| Michigan | PERMITTED | NO | NO | NO | NO | NO | NO |
| Minnesota | PERMITTED | NO | Non Tax-Qualified Plans: must be lesser of $40 or actual charges (nursing facility); lesser of $25 or actual charges (home services) [Minn. Stat. § 62A.48, Subd. 2] | NO | Non Tax-Qualified Plans: waiting period of up to 180 days [nursing facility]; 90 days [home services] [Minn. Stat. § 62A.48, Subd. 2] | Non Tax-Qualified Plans: 62A.48, Subd. 1; Tax-Qualified Plans: 62S.01, Subd. 18. | Non Tax-Qualified Plans: not less than 1 year (nursing facility); Tax Qualified Plans: not less than 12 consecutive months {Minn. Stat. § 62A.48, Subd. 2} |
| Missouri | PERMITTED | NO | NO | NO | NO | NO | NO |
| Mississippi | PERMITTED | NO | NO | NO | NO | NO | NO |
| Montana -- OPT OUT | |||||||
| Nebraska | PERMITTED | NO | NO | NO | NO | NO | NO |
| Nevada | PERMITTED | NO | NO | NO | NO | NO | NO |
| New Hampshire | PERMITTED | NO | NO | NO | NO | NO | NO |
| New Jersey -- OPT OUT | |||||||
| New Mexico | PERMITTED | NO | NO | NO | NO | NO | NO |
| North Carolina | PERMITTED | NO | NO | NO | NO | NO | NO |
| North Dakota -- OPT OUT | |||||||
| Ohio | PERMITTED | NO | NO | NO | NO | NO | NO |
| Oklahoma | NOT PERMITTED | NO | NO | NO | NO | NO | NO |
| Oregon | NOT PERMITTED | NO | NO | NO | NO | 24 months (ORS 743.655(2)(f)) | 24 months (ORS 743.655(2)(f)) |
| Pennsylvania | PERMITTED | NO | NO | NO | NO | NO | NO |
| Puerto Rico | PERMITTED | NO | NO | NO | NO | NO | NO |
| Rhode Island | PERMITTED | NO | NO | NO | NO | NO | NO |
| South Dakota -- OPT OUT | |||||||
| Tennessee | PERMITTED | NO | NO | NO | NO | NO | NO |
| Texas | PERMITTED | NO | NO | NO | NO | NO | NO |
| Utah | PERMITTED | NO | NO | NO | NO | NO | NO |
| Vermont | PERMITTED | Offer 3 benefit options: $100 max per day/90 or 100 day elimination period/2 yr benefit period AND $150 max per day/90 or 100 day elimination period/3 yr beneft period AND $200 max per day/90 or 100 day elimination period/5 yr benefit period. (DFR) Rule H-2009-01 Long-Term Insurance Regulation, Section 6 (K)(1)(a-c)) | Not less then $75 per day (DFR Rule H-2009-01 Long-Term Insurance Regulation, Section 6 (J)(5)) | Offer 3 benefit options: $100 max per day/90 or 100 day elimination period/2 yr benefit period AND $150 max per day/90 or 100 day elimination period/3 yr beneft period AND $200 max per day/90 or 100 day elimination period/5 yr benefit period. (DFR) Rule H-2009-01 Long-Term Insurance Regulation, Section 6 (K)(1) a-c)) | Not greater than 100 days (DFR Rule 2009-01 Long-Term Insurance Regulation, Section 6(I)(2)) | Offer 3 benefit options: $100 max per day/90 or 100 day elimination period/2 yr benefit period AND $150 max per day/90 or 100 day elimination period/3 yr beneft period AND $200 max per day/90 or 100 day elimination period/5 yr benefit period. (DFR) Rule H-2009-01 Long-Term Insurance Regulation, Section 6 (K)(1)(a-c)) | No less than 365 benefit days (DFR Rule H-2009-01 Long-Term Insurance Regulation, Section 6 (J)(5).) |
| Virginia | PERMITTED | NO | NO | NO | NO | NO | NO |
| Washington | NOT PERMITTED | $25 / day for home health care services(WAC 284-83-050 (3) (b)) | $25 / day for home health care services (WAC 284-83-050 (3) (b)) | NO | NO | 365 days for home health care services (WAC 284-83-050 (3) (b)) | 365 days for home health care services (WAC 284-83-050 (3) (b)) |
| West Virginia | PERMITTED | NO | NO | NO | NO | NO | NO |
| Wisconsin | PERMITTED | $60 (Ins 3.46(4)(b), Wis. Adm. Code) | $60 (Ins 3.46(4)(b), Wis. Adm. Code) | 180 days (Ins 3.46(12)(a), Wis. Adm. Code) | 180 days (Ins 3.46(4)(d), Wis. Adm. Code) | 365 days (Ins 3.46(4)(e), Wis. Adm. Code) | 366 days (Ins 3.46(4)(e), Wis. Adm. Code) |
| Wyoming | PERMITTED | NO | NO | NO | NO | NO | NO |