3.3 Tennessee Disability and Long-Term Care Insurance
Key Takeaways
- Tennessee regulates disability insurance under Title 56
- Long-term care insurance requires 30-day free look period
- LTC policies must offer inflation protection options
- Tennessee participates in the Long-Term Care Partnership Program
Tennessee regulates disability and long-term care insurance under Title 56.
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 |
Tennessee Partnership Program
Tennessee 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
How to Use This Practice Set
Treat these questions as an active-recall checkpoint for Tennessee Disability and Long-Term Care Insurance, not as a reading assignment. Answer the full set before looking at explanations, then mark each miss by skill area, rule, or service name. For every wrong answer, write the reason the correct option wins and why one tempting distractor fails. That habit matters because real exam questions often test the same concept with different wording. If you miss several questions from the same domain, pause and reread that chapter before continuing.
A strong final review loop is: timed attempt, explanation review, targeted reread, then a second attempt after a short break.
How long is the free look period for long-term care insurance in Tennessee?
What is the primary benefit of the Tennessee Long-Term Care Partnership Program?
Are pre-existing condition exclusions allowed in Tennessee ACA-compliant health plans?
What is the name of Tennessee's children's health insurance program?
What is the minimum grace period for disability insurance premium payments in Tennessee?