HEARING - U.S. Senate Special Committee on Aging

160
(2) Contain a provision establishing a new waiting period in the
event existing coverage is converted to or replaced by a new
or other torm within the same company, except with respect to
an increase in benefits voluntarily selected by the insured
individual or group policyholder.
C. Pre-existing Condition
(1) No long-term care insurance policy or certificate shall use a
definition of "pre-existing condition" which is more
restrictive then the following: Pre-existing condition means
the existence of symptoms which would cause an ordinarily
prudent person to seek diagnosis. care or treatment, or a
condition for which. medical advice or treatment was
recommended by, or received trom a provider of health care
services, within the limitation periods specified in (a) and
(b) below:
(a) 6 months preceding the effective date of coverage of an
insured person who is 65 years of age or older on the
etfective date of coverage; or
(b3 24 months preceding the effective date of coverage of an
insured pereon who is under age 65 on the effective date
of coverage.
-9-