Which of the following is NOT a standard provision in qualified long-term care policies in Connecticut?

In the context of qualified long-term care policies in Connecticut, standard provisions are designed to protect consumers and ensure clear guidelines for coverage. One of the key components that are often found in qualified long-term care policies includes features like a 30-day free look period, which allows policyholders to review their policy and return it for a full refund if they decide it is not right for them within that timeframe. Additionally, guaranteed renewability is a vital provision that means the policyholder can renew their policy regardless of changes in health status.

Minimum coverage for 12 consecutive months is also a standard requirement aimed at ensuring that the policy provides adequate support and care for a significant period, reflecting the nature of long-term care needs.

However, a "prior hospitalization" requirement is not a standard provision in qualified long-term care policies. This means that, unlike some health insurance policies that require evidence of hospitalization before coverage for certain services kicks in, qualified long-term care policies do not impose such prerequisites. This distinction ensures that policyholders can more easily access benefits without the need for prior hospital stays, which can create barriers to necessary care. Hence, prior hospitalization is not a standard provision found in these policies.