Long Term Care Certification Practice Test

Which of the following is NOT a condition for the replacement of group long-term care policies?

1. All current participants in the group plan must be offered coverage on the new plan

2. New underwriting guidelines must be established

3. The same benefits must be retained in the new policy

4. The premium must be comparable

The correct answer is: All current participants in the group plan must be offered coverage on the new plan

The statement that all current participants in the group plan must be offered coverage on the new plan is not a requirement for replacing group long-term care policies. In most cases, when a group long-term care policy is being replaced, there may be provisions for new employees or participants to join, but it is not mandatory to offer coverage to every single existing participant in the group plan. Conditions for replacing group policies often focus on ensuring that the benefits of the new policy are consistent with those of the existing plan, that new underwriting guidelines are in place, and that premiums remain similar to ensure affordability and continued coverage. Therefore, the other items listed relate directly to maintaining equitable coverage and ensuring that the policy transition is fair and manageable for those involved.