Key Takeaways
- Delaware requires a 10-day free look period for disability insurance policies
- Long-term care insurance has a 30-day free look period in Delaware
- Delaware has Paid Family and Medical Leave (PFML) starting 2026
- LTC policies must offer inflation protection options
Last updated: January 2026
Delaware Disability and Long-Term Care Insurance
Delaware has specific regulations for disability income insurance and long-term care insurance.
Delaware Paid Family and Medical Leave (PFML)
Delaware enacted a Paid Family and Medical Leave program:
- Program effective 2026
- Up to 12 weeks of paid leave
- Covers parental leave, family caregiving, personal medical leave
- Funded by employer and employee contributions
- Administered by state
Disability Income Insurance
Free Look Period
Delaware requires a 10-day free look period for individual disability insurance.
Required Policy Provisions
Delaware disability policies must include:
| Provision | Requirement |
|---|---|
| Grace Period | Minimum 31 days for annual premium |
| Reinstatement | Must allow reinstatement |
| Notice of Claim | 20 days after loss begins |
| Time to Pay Claims | 30 days after proof of loss |
Long-Term Care Insurance
Free Look Period
- 30-day free look for LTC policies
- Applies to all individual LTC policies
- Policyholder can return for full refund
Required Provisions
| Provision | Requirement |
|---|---|
| Renewability | Must be guaranteed renewable |
| Pre-existing Conditions | Max 6-month look-back |
| Inflation Protection | Must offer option |
| Nonforfeiture | Must offer option |
Test Your Knowledge
What is the free look period for long-term care insurance policies in Delaware?
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Test Your Knowledge
Does Delaware have a Paid Family and Medical Leave program?
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D