215 ILCS 5/351A-9.3: Claim denial; explanation.

If a claim under a long-term care insurance contract is denied, the issuer, within 60 days after receipt of a written request by a policyholder or certificate holder or a policyholder's or certificate holder's representative shall:

(1) provide a written explanation of the reasons for the denial; and

(2) make available all information directly related to the denial.