Section 18.04.11.001 - TITLE AND SCOPE01.Title. IDAPA 18.04.11, "Long-Term Care Insurance Minimum Standards." (3-31-22)02.Purpose. The purpose of this chapter is to promote the public interest, to promote the availability of long-term care insurance coverage, to protect applicants for long-term care insurance, as defined, from unfair or deceptive sales or enrollment practices, to facilitate public understanding and comparison of long-term care insurance coverages, and to facilitate flexibility and innovation in the development of long-term care insurance. (3-31-22)03.Scope and Applicability. Except as specifically provided, this chapter applies to all long-term care insurance policies including qualified long-term care insurance contracts and life insurance policies that accelerate benefits for long-term care delivered or issued for delivery in this state; certain provisions of this chapter apply only to qualified long-term care insurance. Additionally, this chapter is intended to apply to policies having indemnity benefits that are triggered by activities of daily living and sold as disability income insurance, if: (3-31-22)a. The benefits of the disability income policy are dependent upon or vary in amount based on the receipt of long-term care services; (3-31-22)b. The disability income policy is advertised, marketed or offered as insurance for long-term care services; or (3-31-22)c. Benefits under the policy may commence after the policyholder has reached Social Security's normal retirement age unless benefits are designed to replace lost income or pay for specific expenses other than long-term care services. (3-31-22)Idaho Admin. Code r. 18.04.11.001