Colorado Long-Term Care laws & HR compliance analysis

Colorado Long-Term Care: What you need to know

Employers have no obligation under Colorado 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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Long-term care insurance policies in Colorado may not limit or exclude coverage by type of illness, treatment, medical condition, or accident, except for:
• Preexisting conditions or diseases;
• Mental or nervous disorders (but not Alzheimer's disease, senile dementia, other organic brain syndromes, or other types of senility disease);
• Alcoholism and drug addiction;
• Illness, treatment, or medical condition arising out of war or act of war (whether declared or undeclared); participation in a felony, riot, or insurrection; service in the armed forces or auxiliary units; suicide, attempted suicide, or an intentionally self-inflicted injury while sane; or aviation activity as a non-fare-paying passenger;
• Treatment provided in a government facility (unless otherwise required by law);
• Services for which benefits are available under Medicare or other governmental program (except Medicaid), any state or federal workers' compensation, employer's liability or occupational disease law, or any motor vehicle no-fault law;
• Services provided by a member of the covered person's immediate family;
• Services for which no charge is made normally in the absence of insurance;
• Expenses for services or items available or paid under another long-term care insurance or health insurance policy; and
• In the case of a qualified long-term care insurance contract, expenses for services or items to the extent that the expenses are reimbursable under ...

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Colorado Long-Term Care Resources

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