{"data":{"id":"us-il/215-ilcs-5-351a-6","jurisdiction":"us-il","citation":"215 ILCS 5/351A-6","heading":"Prior hospitalization; institutionalizations.","body":"(a) On and after the effective date of this amendatory Act of 1989, no long-term care insurance policy may be delivered or issued for delivery in this State if such policy:\n(1) conditions eligibility for any benefits on a prior hospitalization requirement; or\n(2) conditions eligibility for benefits provided in an institutional care setting on the receipt of a higher level of institutional care.\n(b) Beginning one year after the effective date of this amendatory Act of 1989, a long-term care insurance policy containing any limitations or conditions for eligibility other than those prohibited above in subsection (a) shall clearly label in a separate paragraph of the policy or certificate entitled \"Limitations or Conditions on Eligibility for Benefits\" such limitations or conditions, including any required number of days of confinement.\n(1) A long-term care insurance policy containing a benefit advertised, marketed or offered as a home health care or home care benefit may not condition receipt of benefits on a prior institutionalization requirement.\n(2) A long-term care insurance policy which conditions eligibility of non-institutional benefits on the prior receipt of institutional care shall not require a prior institutional stay of more than 30 days for which benefits are paid.","path":["CHAPTER 215 INSURANCE","Illinois Insurance Code."],"source_url":"https://www.ilga.gov/legislation/ILCS/details?ActID=1249\u0026ChapterID=22\u0026ChapAct=FullText\u0026Print=True","current_through":"at least Public Act 104-790","vintage":"","retrieved_at":"2026-09-15T04:46:30Z","sha256":"5991314f8d3f1dcb567577f095ed26d813adf05f951cd0ecfcf8a318309242c8","source_id":"us-il","stale":false,"prev":"us-il/215-ilcs-5-351a-5","next":"us-il/215-ilcs-5-351a-7"},"notice":"GroundRules: Original legal text. Not legal advice."}