The policy must be issued not earlier than January 1, 2008, the effective date of the

Colorado Long-Term Care Partnership Program. This issue date is the effective date

of coverage under the policy. Thus, for example, in the case of a certificate issued

under a group insurance contract, the effective date of coverage with respect to such

certificate is the issue date of the certificate.

A policy received in an exchange after the effective date of the Colorado Long-Term

Care Partnership Program is treated as newly issued and thus is eligible for

Partnership Policy status. The addition of a rider, endorsement, or change in

schedule page, for the purpose of meeting Long-Term Care Partnership

requirements, for a policy issued prior to the effective date of the Colorado Long-

Term Care Partnership Program, may be treated as giving rise to an exchange.

If your coverage does not meet Partnership criteria, your insurer should be able to tell you whether there are changes you can make in order for it to qualify as Partnership policy.