3.3 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

Long-Term Care Insurance

Free Look Period

• 30-day free look for LTC policies
• Full refund of premiums if returned

Required Provisions

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

Exam Focus

For West Virginia Disability and Long-Term Care Insurance, organize the material by policy design. Disability income questions usually turn on elimination periods, benefit periods, definitions of disability, renewability, and coordination with other income sources. Long-term care questions usually test benefit triggers, inflation protection, outline-of-coverage requirements, suitability, and replacement safeguards. In scenario questions, identify what event starts benefits, what waiting period applies, what disclosures must be made, and whether the producer is matching coverage to the applicant's realistic care or income risk.