REPRESENTATIVE TOM MEYER
House to improve Long-Term Care Insurance

House legislators are working on a two-bill package that will update the Insurance Code pertaining to long-term care insurance. The bills follow model language proposed by the National Association of Insurance Commissioners (NAIC).

Long-term care differs from traditional medical care. The NAIC says that "someone with a long physical illness, a disability, or a cognitive impairment (such as Alzheimer's Disease) often needs long-term care." The NAIC also notes that, "long-term care helps one live as he or she lives now; it may not help to improve or correct medical problems. Long-term care services may include help with activities of daily living, home health care, respite care, adult day care, care in a nursing home and care in an assisted living facility. Long-term care may also include care management services, which will evaluate [a person's] needs and coordinate and monitor the delivery of long-term care services."

The House legislation will require 45-day notice of a premium increase, up 50 percent from the current requirement of only 30 days. This change will help to provide more time for the insured to prepare for such a change or seek alternatives without risking a lapse in coverage.

Furthermore, the bill package better identifies training requirements for persons selling long-term care insurance.

Medical insurance is often confusing and frustrating to deal with. This is especially true in cases where we must find long-term solutions for ourselves or our loved ones. Updating the Insurance Code can make this process easier and ensure better care for all.

If anyone has any questions or concerns about state government, do not hesitate to call me toll free at 1-888-254-5284. Residents can also reach me through e-mail at tommeyer@house.mi.gov. I look forward to hearing from you.