Consumer Protections in Kansas

Last updated: February 1, 2016

Know Your Long-term Care Protections in Kansas

Free Look

All long-term care policies must provide a “free look” period of at least 30 days after a purchase for you to review the policy features. Be sure your policy says what you think it does. If you have questions, ask a trusted friend or your attorney, or call the Kansas Insurance Department at  800-432-2484 . For a full refund, return the policy before the 30 days are up. 

  • Using certified mail is a good idea but not required.

Outline of Coverage 

During the sale of a long-term care insurance plan, the agent or company must provide you with an outline of coverage. Long-term care policies are difficult to compare. Use the long-term care "Comparison Worksheet" at the end of the booklet to help you compare plans.

Third-Party Notification

This provision allows you to name another person (a "third party") to be notified by the insurance company if your policy is about to "lapse" (end) because you didn't pay the premium.

  • The other person can be a relative, a friend, or a professional (a lawyer or accountant, for example). This third party would then have a set period to pay the overdue premium. 
  • This provision is especially helpful for individuals who may be suffering from a mental incapacity and have forgotten to pay the premium at the time when they may need the coverage the most.

  • Remember: There is no grace period on paying your premium. 

Inflation Protection

Kansas insurance law requires companies to show you an inflation protection benefit. 

  • You can reject or accept the offer. It’s important to know that there is an extra cost to include inflation protection.

Guaranteed Renewable

Long-term care insurance policies sold in Kansas must be “guaranteed renewable.” This means the company may not change policy provisions or refuse to renew as long as premiums are paid. 

  • Guaranteed renewable does not guarantee you the same premium, but premiums can only be raised for entire classes of policyholders.

No Prior Hospitalization Required  Policies sold today cannot require a hospital stay before you get care in a nursing home.

This article is published on KansasMoney.gov. Find more information by contacting these state agencies: