An insurer can deny a claim under a long-term care insurance policy for any material misrepresentation made by the insured if it has been in effect for:

Long-term care insurance policies in Colorado have specific guidelines when it comes to material misrepresentations made by the insured. The correct view is that an insurer can deny a claim based on material misrepresentation for any policy that has been in effect for fewer than 6 months.

This timeframe reflects regulatory protections offered to consumers, ensuring that if a policy is new and the insurer has limited information about the insured's health history, they can address any misrepresentations that may have implications on underwriting decisions. Once the policy has been active for 6 months or more, insurers typically lose that ability to deny claims based on prior misrepresentations, making it harder for them to deny coverage after a claim is made.

Additionally, the other options suggest longer durations, which do not align with the policy's terms for disallowance based on misrepresentations. This helps to strike a balance between the insurer's rights to address issues of honesty and the insured's right to expect claims to be honored after a reasonable period.