Effective date of long-term care insurance coverage

(a) Except as provided in (b) of this section, long-term care insurance coverage for a benefit recipient begins on the date that continuing monthly benefits begin. (b) Long-term care insurance coverage for a benefit recipient receiving a disability benefit is effective on the first day of the calendar month after the month in which the premium is first deducted. (c) Retroactive premiums will be deducted as necessary.