Employers have no obligation under Georgia law to offer long-term care insurance to their employees. However, if long-term care insurance is among the benefits offered, certain state law requirements limit how the plan may be designed.
Under Georgia's Long-Term Care Insurance Act, a “preexisting condition” cannot be defined more restrictively than as the existence of symptoms that would cause an ordinarily prudent person to seek diagnosis, care, or treatment, or a condition for which medical advice or treatment was recommended by or received from a provider of healthcare services, within six months before the effective date of coverage (GA Code Sec. 33-42-6).
Generally, group long-term care insurance issued in Georgia must provide covered individuals with a basis for continuation or conversion of coverage (Ga. Comp. R. & Regs. Sec. 120-2-16-.06). The insurer may require that an individual has been continuously insured under the group policy, or any group policy which it replaced, for at least six months immediately prior to termination in order to be entitled to conversion coverage.