Ltc Insurance LTC Questions... California... Insurance Agents Only!?

LTC questions... california... insurance agents only!? - ltc insurance

In California, where a long-term care insurance replaces:
1) Is it legal to replace the insurer waives any delays they were satisfied with the original policy.
2) is still prohibited by law
3) is legal only if the officers receive prior approval from the Department of Insurance
4) must always be insured with benefits beyond the original policy

If a group LTC policy is of a different group policy to the same group, which replaces the version issued, the insurer is obligated to do everything, except the following:
1) provide benefits substantially equivalent ideantical
Enter coverage for 2 people) for all persons covered by the Directive has been replaced
3) the premiums for the collection of age of the insured individual based, if the new policy is in force
4) does not require a new waiting times, times to remove evidence of similar conditions.