What is the minimum benefit period required for a long-term care policy sold in West Virginia?

The minimum benefit period required for a long-term care policy sold in West Virginia is indeed set at 12 months. This requirement ensures that policyholders have access to a substantial amount of coverage for long-term care services, which is essential for individuals who may face extended periods of needing assistance due to chronic illness, disability, or cognitive impairments.

By having a minimum benefit period of 12 months, the state aims to provide adequate financial protection and support for individuals and their families, allowing for a more comprehensive plan for long-term care needs. Longer benefit periods may be available, but this minimum is crucial for ensuring that basic coverage is both standardized and accessible across policies offered in the state.