Insurance Code section 10232.5

On or after January 1, 1990, no long-term care insurance policy may be delivered or issued for delivery in this state which does any of the following:

(a)

Preconditions the availability of benefits on prior hospitalization.

(b)

Conditions eligibility for benefits provided in an institutional care setting on the receipt of a higher level of institutional care.

(c)

Preconditions the availability of benefits for community-based care, home health care, or home care on prior institutionalization.

(d)

Conditions eligibility for noninstitutional benefits, other than those in subdivision (c), on a prior institutional stay of more than 30 days.

Source: Section 10232.5, https://leginfo.­legislature.­ca.­gov/faces/codes_displaySection.­xhtml?lawCode=INS§ionNum=10232.­5.­ (updated Jan. 1, 1989; accessed Jun. 30, 2025).

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Verified:
Jun. 30, 2025

§ 10232.5's source at ca​.gov