Title 10, Insurance
0 chapters · 1,354 sections in this title.
Colo. Rev. Stat. § 10-19-101 Short title
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This article shall be known and may be cited as the Long-term Care Insurance Act. Source: L. 90: Entire article R&RE, p. 643, � 1, effective July 1.
Colo. Rev. Stat. § 10-19-102 Legislative declaration
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The general assembly hereby declares that the purpose of this article is to promote the public interest and the availability of long-term care insurance policies, to protect applicants for long-term care insurance from unfair or deceptive sales or enrollment practices, to establi…
Colo. Rev. Stat. § 10-19-103 Definitions
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As used in this article 19, unless the context otherwise requires: (1) Applicant means: (a) In the case of an individual long-term care insurance policy, the person who seeks to contract for benefits; and (b) In the case of a group long-term care insurance policy, the proposed ce…
Colo. Rev. Stat. § 10-19-104 Scope and applicability of article
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The requirements of this article shall apply to policies delivered or issued for delivery in this state on or after July 1, 1990. This article is not intended to supersede the obligations of entities subject to this article to comply with the substance of other applicable insuran…
Colo. Rev. Stat. § 10-19-105 Extraterritorial jurisdiction - group long-term care insurance
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A group long-term care insurance coverage shall not be offered to a resident of this state under a group policy issued in another state to a group described in section 10-19-103 (4)(d), unless this state or another state having statutory and regulatory long-term care insurance re…
Colo. Rev. Stat. § 10-19-106 Rules on disclosure
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The commissioner may adopt rules and regulations that include standards for full and fair disclosure setting forth the manner, content, and required disclosures for the sale of long-term care insurance policies, terms of renewability, initial and subsequent conditions of eligibil…
Colo. Rev. Stat. § 10-19-107 Performance standards
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(1) A long-term care insurance policy may not: (a) Be canceled, nonrenewed, or otherwise terminated on the grounds of the age or the deterioration of the mental or physical health of the insured individual or certificate holder; or (b) Contain a provision establishing a new waiti…
Colo. Rev. Stat. § 10-19-108 Requirements for preexisting conditions
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(1) A long-term care insurance policy or certificate, other than a policy or certificate thereunder, issued to a group as defined in section 10-19-103 (4)(a), shall not use a definition of preexisting condition that is more restrictive than the following: Preexisting condition me…
Colo. Rev. Stat. § 10-19-109 Requirements for prior hospitalization or institutionalization
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(1) A long-term care insurance policy shall not be delivered or issued for delivery in this state if such policy: (a) Conditions the eligibility for any benefits on a prior hospitalization requirement; (b) Conditions the eligibility for benefits provided in an institutional care …
Colo. Rev. Stat. § 10-19-110 Loss ratio standards
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The commissioner may adopt rules and regulations establishing loss-ratio standards for long-term care insurance policies if a specific reference to long-term care insurance policies is contained in the regulation. Such rules and regulations shall be in accordance with the State A…
Colo. Rev. Stat. § 10-19-111 Right to return policy - free look
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A long-term care insurance applicant has the right to return the policy or certificate within thirty days after its delivery and to have the premium refunded if, after examination of the policy or certificate, other than a certificate issued pursuant to a policy issued to a group…
Colo. Rev. Stat. § 10-19-112 Outline of coverage - certificate
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(1) (a) An outline of coverage shall be delivered to a prospective applicant for long-term care insurance at the time of initial solicitation through means which prominently direct the attention of the recipient to the document and its purpose. (b) The commissioner shall prescrib…
Colo. Rev. Stat. § 10-19-113 Option for inflation adjustment - renewability
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(1) No insurer may offer a long-term care insurance policy unless the insurer also offers to the policyholder, in addition to any other inflation protection, the option to purchase a policy that provides for benefit levels to increase with benefit maximums or reasonable durations…
Colo. Rev. Stat. § 10-19-113.3 Incontestability period
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(1) With respect to a policy or certificate that has been in force for less than six months, an insurer may rescind a long-term care insurance policy or certificate or deny a long-term care insurance claim under such a policy upon a showing of misrepresentation that is material t…
Colo. Rev. Stat. § 10-19-113.4 Nonforfeiture benefits - rules
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(1) Except as provided in subsection (2) of this section, a long-term care insurance policy may not be delivered or issued for delivery in this state unless the policyholder or certificate holder has been offered the option of purchasing a policy or certificate including a nonfor…
Colo. Rev. Stat. § 10-19-113.5 Requirement to offer basic and standard long-term care plans - advisory committee established. (Repealed)
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C.R.S. 10-19-113.5Statutes current through Chapter 65 of the 2026 Regular Session, effective as of April 20, 2026. The text of this section is not final. It will not be final until compared to, and updated from, the text provided by the Colorado Office of Legislative Legal Servic…
Colo. Rev. Stat. § 10-19-113.6 Producer training requirements
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(1) (a) An individual may not sell, solicit, or negotiate long-term care insurance unless the individual is licensed as an insurance producer for accident and health or sickness or life insurance and has completed a one-time training course and ongoing training every twenty-four …
Colo. Rev. Stat. § 10-19-113.7 Rules
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The commissioner shall adopt rules to promote premium adequacy, to protect the policyholder in the event of substantial rate increases, and to establish minimum standards for marketing practices, producer education, producer compensation, producer examination, penalties, and repo…
Colo. Rev. Stat. § 10-19-114 Compliance
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No policy may be advertised, marketed, or offered as long-term care or nursing home insurance unless it complies with the provisions of this article. Source: L. 90: Entire article R&RE, p. 649, � 1, effective July 1.
Colo. Rev. Stat. § 10-19-114.5 Penalties
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In addition to any other penalties provided by the laws of Colorado, any carrier or any producer who violates any requirement of Colorado law relating to the regulation of long-term care insurance or the marketing of such insurance shall be subject to a fine of up to three times …
Colo. Rev. Stat. § 10-19-115 Severability
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If any provision of this article or the application thereof to any person or circumstance is for any reason held to be invalid, the remainder of the article and the application of such provision to other persons or circumstances shall not be affected thereby. Source: L. 90: Entir…