Long-Term Care (LTC) policies must provide coverage for a minimum of how many consecutive months?

Long-Term Care (LTC) policies are designed to provide coverage for individuals who require assistance due to chronic illness, injury, or disability. In Ohio, and generally across many states, LTC policies must meet specific regulatory standards, one of which includes the duration of coverage. The requirement for a minimum of 12 consecutive months ensures that policyholders have adequate coverage to address extended needs that may arise from conditions requiring long-term support. This 12-month minimum helps to provide a baseline level of care and guarantees that individuals do not face sudden gaps in coverage, which could potentially put them at risk. By ensuring a minimum duration, the regulations help to protect consumers and provide a standard for insurance providers, thereby enhancing the overall efficacy and reliability of Long-Term Care coverage.