Alaska Long-Term Care laws & HR compliance analysis

Alaska Long-Term Care: What you need to know

Employers have no obligation under Alaska 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.
For a Limited Time receive a FREE HR Report on the "Critical HR Recordkeeping”.  This exclusive special report covers hiring records, employment relationships, termination records, litigation issues, electronic information issues, tips for better recordkeeping, and a list of legal requirements.  Download Now
Preexisting condition limitations in long-term care insurance policies may not exclude coverage for more than 6 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 6 months before the effective date of coverage (AK Stat. Sec. 21.53.030).
Long-term care insurance policies in Alaska may not condition eligibility:
• On a prior hospitalization;
• On the receipt of a higher level of institutional care when care is provided in an institutional setting;
• On a prior institutional stay of more than 30 days for which benefits are paid in the case of benefits for noninstitutional care;
• On an admission to an institutional care facility for the same or a related condition within a period of less than 30 days after discharge from the institution if the policy provides benefits only following institutionalization; or
• For a benefit on a prior institutionalization (other than a waiver of premium, postconfinement, postacute care, or recuperative benefit) (AK Stat. Sec. 21.53.040).
For additional information, visit the Alaska Division of Insurance's website at
Last reviewed on March 20, 2017.

Read more about Long-Term Care

Alaska Long-Term Care Resources

Type Title
Policies Elder Care Policy (Standard)
See all Long-Term Care Resources