CA AB2180

Expands required disclosures in long-term care insurance policies regarding eligibility thresholds for home care benefits and provisions for alternate plans of care developed by independent licensed health care practitioners.

Requires long-term care policies to explain that insureds can request health assessments and receive lump sum payments under alternate plans of care, with benefits paid in addition to standard covered services.

Expands required information in disability insurance policies with accelerated death benefits to include explanations of how insureds can request health assessments, receive lump sum payments, and provide notice of claims to insurers.

Clarifies that accelerated death benefit provisions are not long-term care insurance and adds disclosure requirements warning applicants that accelerated death benefits may affect eligibility for public assistance programs like Medi-Cal and may have tax consequences.

Makes technical amendments to Insurance Code sections governing long-term care and disability insurance regulations, including application requirements, contestability periods, and underwriting standards.