What must an insurer provide if a policyholder requests a change that affects a qualified long-term care partnership policy?

When a policyholder requests a change that impacts a qualified long-term care partnership policy, it is essential for the insurer to provide a written explanation within 30 days. This requirement ensures that the policyholder is fully informed about the implications of the requested changes. A written explanation helps clarify how the alterations will affect the terms of the policy, coverage, and any benefits associated with it. It serves to protect the policyholder's interests by providing tangible documentation of the changes and the reasons behind them.

The timeframe of 30 days is important because it balances the need for timely communication with the insurer's responsibility to deliver accurate and comprehensive information. This process helps maintain transparency between the insurer and the policyholder, which is crucial in the context of long-term care, where understanding one's coverage and benefits can significantly impact financial planning and care decisions.