Employers have no obligation under Nebraska 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 Nebraska law, a “preexisting condition” cannot be defined more restrictively than as 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 (NE Rev. Stat. Sec. 44-4513).
Group long-term care insurance issued in Nebraska must provide covered individuals with a basis for continuation or conversion of coverage (Nebraska Admin. Code Title 210, Ch.46).