Key Takeaways
- Montana requires standard policy provisions for disability income insurance
- Long-term care policies must be guaranteed renewable
- LTC policies must offer inflation protection options
- Montana participates in the Long-Term Care Partnership Program
- Disability policies must include minimum grace periods
Last updated: January 2026
Montana Disability and Long-Term Care Insurance
Montana has specific regulations for disability income insurance and long-term care insurance under Title 33, Chapter 22 of the Montana Code Annotated.
Disability Income Insurance
Required Policy Provisions
Montana disability policies must include:
| Provision | Requirement |
|---|---|
| Grace Period | Minimum 31 days for annual premium |
| Reinstatement | Must allow reinstatement within specified period |
| Notice of Claim | 20 days after loss begins |
| Time to Pay Claims | Reasonable time after proof of loss |
| Legal Actions | Timing restrictions for lawsuits |
Renewability
Montana disability policies may be:
- Non-cancelable: Cannot cancel or raise rates
- Guaranteed Renewable: Cannot cancel, may raise rates by class
- Conditionally Renewable: Limited cancellation rights
- Optionally Renewable: Insurer can decline to renew
Long-Term Care Insurance
Montana has comprehensive LTC insurance regulations under MCA 33-22, Part 11:
Incontestability Period (MCA 33-22-1127)
Montana has tiered incontestability for LTC:
- Less than 6 months: Can rescind for material misrepresentation
- 6 months to 2 years: Can rescind for material misrepresentation pertaining to the condition for which benefits are sought
- After 2 years: Cannot rescind except for fraud
Required Provisions
| Provision | Requirement |
|---|---|
| Renewability | Must be guaranteed renewable |
| Pre-existing Conditions | Maximum 6-month look-back period |
| Elimination Period | Must be clearly disclosed |
| Inflation Protection | Must offer option |
| Nonforfeiture | Must offer option |
Montana Partnership Program
Montana participates in the Long-Term Care Partnership Program:
- Purchase a Partnership-qualified LTC policy
- Use benefits for care
- If benefits exhaust, apply for Medicaid
- Asset protection - Keep assets equal to benefits received
Producer Requirements
To sell LTC insurance in Montana:
- Complete LTC-specific training
- Meet continuing education requirements
- Follow suitability guidelines
- Provide required disclosures
Test Your Knowledge
What is the primary benefit of purchasing a Montana Partnership-qualified long-term care policy?
A
B
C
D
Test Your Knowledge
Under Montana law, when can an insurer rescind a long-term care policy that has been in force for 1 year?
A
B
C
D