State RegulationsMI specificDifficulty 1/5
Which provision of Michigan's long-term care insurance law specifically addresses home health care benefits?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
M.C.L. 500.3913 is the provision of Michigan's Chapter 39 long-term care law (M.C.L. 500.3901 to 500.3955) that specifically addresses home health care benefits, recognizing care delivered in the insured's residence as a covered long-term care service. The other sections listed govern inflation protection offers, the right to return a policy for a refund, and nonforfeiture benefits, none of which defines home health care coverage.
Why the other options are wrong
- A) M.C.L. 500.3909 governs the inflation protection that must be offered with long-term care policies, not home health care benefits.
- B) M.C.L. 500.3943 governs the policyowner's right to return the policy for a full premium refund, not benefit settings.
- C) M.C.L. 500.3910 governs the offer of a nonforfeiture benefit, not the delivery of care at home.
Memory hook
500.3913: think 13 letters in home health care delivered to your door.