Oregon Long-Term Care: What you need to know

Employers have no obligation under Oregon 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.
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Under Oregon's Long Term Care Insurance Act, preexisting condition limitations in long-term care insurance policies may not exclude coverage for more than six months after the effective date of coverage under the policy. Additionally, 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 healthcare services provider within six months before the effective date of coverage (ORS Sec. 743.655).
A long-term care insurance policy sold in Oregon may not:
• Be canceled, nonrenewed, or otherwise terminated because of the insured individual's age or mental or physical health deterioration;
• Contain a provision establishing a new waiting period if existing coverage is converted to or replaced by a new or other policy within the same company (except with respect to an increase in benefits voluntarily selected by the insured individual or group policyholder);
• Provide coverage for skilled nursing care only or provide significantly more coverage for skilled care in a facility than coverage for lower levels of care;
• Exclude coverage for Alzheimer’s disease and related dementias;
• Be nonrenewed or otherwise terminated for nonpayment of premiums until 31 days overdue and then only after notice of nonpayment is given to the policyholder before the expiration of the 31 days, except as otherwise provided by rule; or
• Provide less ...

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Oregon Long-Term Care Resources

Policies Elder Care Policy (Standard)

Long-Term Care Products

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