The Historical Development of Benefit Eligibility Triggers Underlying the CLASS Plan


This policy brief provides background on the historical development of benefit eligibility triggers in the private long-term care insurance market. Understanding how these triggers came into being can provide important information to those charged with implementing the CLASS Plan.

Date Updated: 04/06/2011

Introduction and Overview of Historical Development of Long-Term Care Benefit LifePlans reviewed the legislative history of the National Association of Insurance Commissioners’ (NAIC) Long-Term Care Insurance Model Regulation as well as the relevant IRS code and HIPAA legislation to construct the timeline for the development of benefit eligibility triggers. As well, we reviewed polices as far back as the early 1980s and surveyed key individuals involved in insurers’ claims management units to obtain their insights…

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