Who Regulates Long Term Care Insurance? 
The State Departments of Insurance -LRB- DOI -RRB- regulate and oversee long-term care insurance sold and administered in each state . The General Accounting Office of the federal government -LRB- GAO -RRB- works in concert with the National Association of Insurance Commissioners -LRB- NAIC -RRB- to monitor the activities of the State DOI , and audit their work as it relates to payment of claims by individual insurance carriers , rate changes and approvals , and sales practices . In 2008 , the GAO released a report `` State Oversight of Rate Setting and Claims Settlement Practices '' involving 10 sample states on the topicand reported the following : `` Regulators in the 10 states GAO reviewed oversee claims settlement practices by monitoring consumer complaints and conducting examinations in an effort to ensure that companies are complying with standards . Claims settlement standards in these states largely focus on timely investigation and payment of claims and prompt communication with consumers , but the standards adopted and how states define timeliness vary notably across the states . Regulators told GAO that reviewing consumer complaints is one of the primary methods for monitoring companies compliance with state standards . In addition to monitoring complaints , these regulators also said that they use examinations of company practices to identify any violations in standards that may require further action . Finally , state regulators in 6 of the 10 states in GAOs review reported that their states are considering additional protections related to claims settlement . For example , regulators in several states said that their states were considering an independent review process for consumers appealing claims denials . Such an addition may be useful as some regulators said that they lack authority to resolve complaints where , for example , the company and consumer disagree on a factual matter , such as a consumers eligibility for benefits . '' Each state has a DOI website which includes a subsection on long-term care insurance sold in that state . Their Internet addresses are usually something like www.insurance . -LSB- abbreviation of state , like ` AZ ' -RSB- . gov.They can also be googled '' -LSB- Name of state -RSB- State Department of Insurance '' . 