Key Takeaways
- West Virginia regulates disability insurance under state law
- Long-term care insurance requires 30-day free look period
- LTC policies must offer inflation protection options
- West Virginia participates in the Long-Term Care Partnership Program
Last updated: January 2026
West Virginia Disability and Long-Term Care Insurance
West Virginia regulates disability and long-term care insurance with specific consumer protections.
Disability Income Insurance
Policy Requirements
| Provision | Requirement |
|---|---|
| Free Look Period | 10 days |
| Grace Period | Minimum 31 days |
| Notice of Claim | Within specified time |
| Proof of Loss | Within 90 days |
Long-Term Care Insurance
Free Look Period
- 30-day free look for LTC policies
- Full refund of premiums if returned
Required Provisions
| Provision | Requirement |
|---|---|
| Renewability | Must be guaranteed renewable |
| Pre-existing Conditions | Maximum 6-month look-back |
| Inflation Protection | Must offer option |
| Nonforfeiture | Must offer option |
West Virginia Partnership Program
West Virginia 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
Training Requirements
West Virginia requires producers selling LTC insurance to:
- Complete initial LTC training
- Complete ongoing LTC continuing education
- Understand suitability requirements
Test Your Knowledge
How long is the free look period for long-term care insurance in West Virginia?
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Test Your Knowledge
What is the primary benefit of the West Virginia Long-Term Care Partnership Program?
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