Regulation · Pennsylvania

Long-Term Care Insurance Model Regulation

31 Pa. Code Chapter 89a

Publisher: Pennsylvania Insurance Department
Edition: 31 Pa. Code, current through 56 Pa.B. 3438
Last checked: 2026-09-10
Status: Pennsylvania Code

Edition and licensing notes

Publisher. Pennsylvania Insurance Department (Pennsylvania Code, pacodeandbulletin.gov)

Edition. 31 Pa. Code, current through 56 Pa.B. 3438 (June 6, 2026)

Status. Pennsylvania Code (31 Pa.

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What this document is

31 Pa. Code Chapter 89a - Long-Term Care Insurance Model Regulation is a regulation published by Pennsylvania Insurance Department (Pennsylvania Code, pacodeandbulletin.gov). It is one of the Pennsylvania documents that insurance license exam questions are written from, including pennsylvania life & health practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.

31 Pa. Code § 89a.104 (Policy Definitions)
“Mental or nervous disorder - The term may not be defined to include more than neurosis, psychoneurosis, psychopathy, psychosis, or mental or emotional disease or disorder.”
31 Pa. Code § 89a.105(b)(2) (Limitations and Exclusions)
“This subsection is not intended to prohibit exclusions and limitations by type of provider or territorial limitations.”
31 Pa. Code § 89a.107(a)(2) (Required disclosure provisions: renewability)
“A long-term care insurance policy or certificate, other than one in which the insurer does not have the right to change the premium, shall include a statement that premium rates may change.”
31 Pa. Code ch. 89a § 89a.107(b) (Required disclosure provisions: riders and endorsements)
“Except for riders or endorsements by which the insurer effectuates a request made in writing by the insured under an individual long-term care insurance policy, all riders or endorsements added to an individual long-term care insurance policy after date of issue or at reinstatement or renewal that...”
31 Pa. Code ch. 89a § 89a.105(a)(1) (Policy practices and provisions: renewability)
“A policy issued to an individual may not contain renewal provisions other than “guaranteed renewable” or “noncancellable.””
31 Pa. Code ch. 89a § 89a.104(a) (Policy definitions: activities of daily living)
“A long-term care insurance policy delivered or issued for delivery in this Commonwealth may not use the terms set forth as follows, unless the terms are defined in the policy and the definitions satisfy the following requirements: Activities of daily living - Bathing, continence, dressing, eating,...”
31 Pa. Code ch. 89a § 89a.105(f)(1) (Policy practices and provisions: premium rate increase)
“The premium charged to an insured may not increase due to either of the following: (i) The increasing age of the insured at ages beyond 65. (ii) The duration the insured has been covered under the policy.”
31 Pa. Code ch. 89a § 89a.107(c) (Required disclosure provisions: payment of benefits)
“A long-term care insurance policy that provides for the payment of benefits based on standards described as “usual and customary,” “reasonable and customary” or words of similar import shall include a definition of these terms and an explanation of the terms in its accompanying outline of coverage.”

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