Under what condition will an insurer reinstate a long-term care policy?

An insurer will typically reinstate a long-term care policy if the insured requests reinstatement within a specified time frame, often around five months. This provision ensures that the policyholder has a limited period during which they can reactivate their coverage after a lapse due to non-payment. During this time, the insurer may not impose additional underwriting requirements or re-evaluate the insured's health status, which simplifies the process for the policyholder.

Reinstatement conditions like this aim to provide a safety net for policyholders who may have unintentionally let their policy lapse, allowing them the opportunity to regain coverage without the need to go through the entire application process again.