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NAIFA's Limited & Extended Care Planning Center

The LECP Center empowers professionals to network with solution and service providers to share best practices, directly access subject matter experts, research, training and resources; and provide thought leadership so we may continue to address the changing needs of the market.

California has not at this time established a publicly funded state-run long-term care insurance program or set deadlines for employees in the state to opt out. The state established a Task Force to study the possibility of such a program and make recommendations, and that study is ongoing. The California Department of Insurance has issued a revised Frequently Asked Questions Document to clear up some common misconceptions. Among topics covered by the FAQ are:

  • No program has been enacted at this point. Several options are being studied and a report by Oliver Wyman commissioned by the Task Force is due to the Legislature by January 1, 2024.
  • No publicly funded long-term care insurance program will go into effect until it goes through the legislative process that includes public deliberations and input.
  • No opt-out deadline has been established. 

The LECP Legislative Working Group is aware of the issue and the process ahead. Its members, along with NAIFA's Government Relations Team, are fully engaged and are representing the interests of producers and consumers.

Read the Insurance Department FAQ