Rules & Regulations of the State of Tennessee
Title 0780 - Commerce and Insurance
Subtitle 0780-01 - Insurance Division
Chapter 0780-01-61 - Long-Term Care Insurance
Section 0780-01-61-.27 - STANDARDS FOR BENEFIT TRIGGERS

Universal Citation: TN Comp Rules and Regs 0780-01-61-.27

Current through September 24, 2024

(1) A long-term care insurance policy shall condition the payment of benefits on a determination of the insured's ability to perform activities of daily living and on cognitive impairment. Eligibility for the payment of benefits shall not be more restrictive than requiring either a deficiency in the ability to perform not more than three (3) of the activities of daily living or the presence of cognitive impairment.

(2)

(a) Activities of daily living shall include at least the following, as defined in Rule 0780-1 - 61-.05 and in the policy:
1. Bathing;

2. Continence;

3. Dressing;

4. Eating;

5. Toileting; and

6. Transferring.

(b) Insurers may use activities of daily living to trigger covered benefits in addition to those contained in Paragraph (2)(a) of this rule as long as they are defined in the policy.

(3) An insurer may use additional provisions for the determination of when benefits are payable under a policy or certificate; however the provisions shall not restrict, and are not in lieu of, the requirements contained in Paragraphs (1) and (2) of this rule.

(4) For purposes of this rule, the determination of a deficiency shall not be more restrictive than:

(a) Requiring the hands-on assistance of another person to perform the prescribed activities of daily living; or

(b) If the deficiency is due to the presence of a cognitive impairment, supervision or verbal cueing by another person is needed in order to protect the insured or others.

(5) Assessments of activities of daily living and cognitive impairment shall be performed by licensed or certified professionals, such as physicians, nurses or social workers.

(6) Long term care insurance policies shall include a clear description of the process for appealing and resolving benefit determinations.

(7) The requirements set forth in this rule shall be effective twelve (12) months after the effective date of this rule and shall apply as follows:

(a) Except as provided in subparagraph (b) of this paragraph, the provisions of this rule apply to a long-term care policy issued in this state on or after the effective date of the rule.

(b) For certificates issued on or after the effective date of this paragraph, under a group long-term care insurance policy as defined in this Chapter that was in force at the time this amended rule became effective, the provisions of this paragraph shall not apply.

Authority: T.C.A. § 56-42-105.

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