(215 ILCS 5/351A-6)
(from Ch. 73, par. 963A-6)
Prior hospitalization; institutionalizations.
(a) On and after the effective date of this amendatory Act of 1989, no
long-term care insurance policy may be delivered or issued for delivery in
this State if such policy:
(1) conditions eligibility for any benefits on a
prior hospitalization requirement; or
(2) conditions eligibility for benefits provided in
an institutional care setting on the receipt of a higher level of institutional care.
(b) Beginning one year after the effective date of this amendatory Act
of 1989, a long-term care insurance policy containing any limitations or
conditions for eligibility other than those prohibited above in subsection
(a) shall clearly label in a separate paragraph of the policy or
certificate entitled "Limitations or Conditions on Eligibility for
Benefits" such limitations or conditions, including any required number of
days of confinement.
(1) A long-term care insurance policy containing a
benefit advertised, marketed or offered as a home health care or home care benefit may not condition receipt of benefits on a prior institutionalization requirement.
(2) A long-term care insurance policy which
conditions eligibility of non-institutional benefits on the prior receipt of institutional care shall not require a prior institutional stay of more than 30 days for which benefits are paid.
(Source: P.A. 85-1440; 86-384.)