In every long-term care policy or certificate that covers care in a nursing facility, the threshold establishing eligibility for nursing facility care shall be no more restrictive than a provision that the insured will qualify if either one of two criteria are met:
(a) Impairment in two activities of daily living.
(b) Impairment in cognitive ability.
(Added by Stats. 1999, Ch. 947, Sec. 7. Effective January 1, 2000.)