West Virginia Code of State Rules
Agency 114 - Insurance Commission
Title 114 - LEGISLATIVE RULE INSURANCE COMMISSIONER
Series 114-32 - Long-Term Care Insurance
Section 114-32-27 - Standards for Benefit Triggers

Universal Citation: 114 WV Code of State Rules 114-32-27

Current through Register Vol. XLI, No. 38, September 20, 2024

27.1. 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.

27.2.

27.2.a. Activities of daily living shall include at least the following as defined in section 3 and in the policy:
27.2.a.1. Bathing;

27.2.a.2. Continence;

27.2.a.3. Dressing;

27.2.a.4. Eating;

27.2.a.5. Toileting; and

27.2.a.6. Transferring;

27.2.b. Insurers may use activities of daily living to trigger covered benefits in addition to those contained in subdivision a of this subsection as long as they are defined in the policy.

27.3. 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 subsections 27.1 and 27.2 of this section.

27.4. For purposes of this section the determination of a deficiency shall not be more restrictive than:

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

27.4.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.

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

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

27.7. The requirements set forth in this section shall be effective twelve (12) months after the effective date of this provision and shall apply as follows:

27.7.a. Except as provided in subdivision b of this subsection, the provisions of this section apply to a long-term care policy issued in this state on or after the effective date of the rule, amended in 2009.

27.7.b. For certificates issued on or after the effective date of this section, under a group long-term care insurance policy as defined in W. Va. Code § 33-15A-4(e)(1) that was in force at the time this rule, amended in 2009, became effective, the provisions of this section shall not apply.

Disclaimer: These regulations may not be the most recent version. West Virginia may have more current or accurate information. We make no warranties or guarantees about the accuracy, completeness, or adequacy of the information contained on this site or the information linked to on the state site. Please check official sources.
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