Georgia Long-Term Care Insurance (*)

Long-term-care insurance sold in Georgia falls under the state's Office of Insurance and Safety Fire Commissioner, operating under O.C.G.A. Title 33, Chapter 42 (Georgia Code Title 33, Chapter 42; Georgia Office of Insurance and Safety Fire Commissioner).

The finer print — benefit triggers, required disclosures, advertising standards, and minimum home-health and community-care benefits — lives in a separate set of rules, Chapter 120-2-16, including the specifics laid out in Rule 120-2-16-.12 (Georgia Long Term Care Insurance Rules; Rule 120-2-16-.12).

None of that regulatory framework substitutes for reading an actual policy. Benefit triggers, exclusions, inflation protection, and premium history all vary by insurer and contract, so they need to come from the policy itself rather than being inferred from the general state rule.