Insurance Code section 10232.97


In every long-term care policy or certificate that covers care in a nursing facility, the threshold establishing eligibility for nursing facility care shall be no more restrictive than a provision that the insured will qualify if either one of two criteria are met:

(a)

Impairment in two activities of daily living.

(b)

Impairment in cognitive ability.

Source: Section 10232.97, https://leginfo.­legislature.­ca.­gov/faces/codes_displaySection.­xhtml?lawCode=INS§ionNum=10232.­97.­ (updated Jan. 1, 2000; accessed Jun. 30, 2025).

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Verified:
Jun. 30, 2025

§ 10232.97's source at ca​.gov