{"data":{"id":"us-mt/33-22-1115","jurisdiction":"us-mt","citation":"33-22-1115","heading":"Prior hospitalization or institutionalization.","body":"(1) A long-term care insurance policy may not be delivered or issued for delivery in Montana if the policy conditions eligibility for a benefit:\n(a) on a prior hospitalization requirement;\n(b) provided in an institutional care setting on the receipt of a higher level of institutional care; or\n(c) other than waiver of premium, postconfinement benefits, postacute care benefits, or recuperative benefits, on a prior institutionalization requirement.\n(2) A long-term care insurance policy containing a limitation or condition for eligibility other than those prohibited in subsection (1) must clearly label, in a separate paragraph of the policy or certificate entitled \"Limitations or Conditions on Eligibility for Benefits\", the limitations or conditions, including any required number of days of confinement.\n(3) A long-term care insurance policy that contains a benefit advertised, marketed, or offered as a home health care benefit may not condition receipt of a benefit on a prior institutionalization requirement.\n(4) A long-term care insurance policy that conditions eligibility of noninstitutional benefits on the prior receipt of institutional care may not require a prior institutional stay of more than 30 days.\n(5) A long-term care insurance policy that provides benefits only following institutionalization may not condition the benefits upon admission to a facility for the same or a related condition within a period of less than 30 days after discharge from the institution.","path":["TITLE 33. INSURANCE AND INSURANCE COMPANIES","CHAPTER 22. DISABILITY INSURANCE","Part 11. Long-Term Care Insurance Act"],"source_url":"https://mca.legmt.gov/bills/mca/title_0330/chapter_0220/part_0110/section_0150/0330-0220-0110-0150.html","current_through":"Montana Code Annotated 2025","vintage":"","retrieved_at":"2026-09-14T04:52:47Z","sha256":"80310f06c04aa7333f76e29f0630d198d6da527ddcd967608595befc358a4b0b","source_id":"us-mt","stale":false,"prev":"us-mt/33-22-1114","next":"us-mt/33-22-1116"},"notice":"GroundRules: Original legal text. Not legal advice."}