According to Alabama regulations for Long-Term Care insurance, which practice is permitted?

Offering inflation protection riders is a practice permitted under Alabama regulations for Long-Term Care insurance because these riders help policyholders maintain their coverage's value over time. As healthcare costs rise, the inflation protection rider ensures that the benefits of the policy increase, thereby helping to keep pace with the growing expenses associated with long-term care. This aligns with the goal of providing consumers with adequate coverage that adapts to the changing economic landscape.

Other practices, such as charging extra premiums for health conditions, providing no coverage for pre-existing conditions, and implementing rate adjustments without notice, are generally restricted or regulated to ensure fairness and protect consumers. These restrictions help prevent discrimination against individuals with health issues and ensure transparency in premium adjustments, thereby promoting consumer trust in their long-term care policies.