Key Takeaways
- Idaho requires a 10-day free look period for disability insurance policies
- Long-term care insurance has a 30-day free look period in Idaho
- Idaho participates in the Long-Term Care Partnership Program
- LTC policies must offer inflation protection options
Last updated: January 2026
Idaho Disability and Long-Term Care Insurance
Idaho has specific regulations for disability income insurance and long-term care insurance.
Disability Income Insurance
Free Look Period
Idaho requires a 10-day free look period for individual disability insurance.
Required Policy Provisions
Idaho disability policies must include:
| Provision | Requirement |
|---|---|
| Grace Period | Minimum 31 days for annual premium |
| Reinstatement | Must allow reinstatement |
| Notice of Claim | 20 days after loss begins |
| Time to Pay Claims | 30 days after proof of loss |
Idaho Does Not Have State Disability Insurance
Idaho does not have a mandatory state disability insurance program. Disability coverage is through private insurance, employer-sponsored plans, or Social Security.
Long-Term Care Insurance
Free Look Period
- 30-day free look for LTC policies
- Applies to all individual LTC policies
- Policyholder can return for full refund
Required Provisions
| Provision | Requirement |
|---|---|
| Renewability | Must be guaranteed renewable |
| Pre-existing Conditions | Max 6-month look-back |
| Inflation Protection | Must offer option |
| Nonforfeiture | Must offer option |
Idaho Partnership Program
Idaho participates in the Long-Term Care Partnership Program:
- Purchase a Partnership-qualified LTC policy
- Use benefits for care
- If benefits exhaust, apply for Medicaid
- Asset protection - Keep assets equal to benefits received
Test Your Knowledge
What is the free look period for long-term care insurance policies in Idaho?
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Test Your Knowledge
Does Idaho have a state disability insurance program?
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Test Your Knowledge
What is the primary benefit of purchasing an Idaho Partnership-qualified long-term care policy?
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