Section Ins 6101.04 - Extension of BenefitsEvery group policy, contract, or certificate subject to this part, except dental expense coverage, issued on or after the effective date of this part, or under which the level of benefits is altered, modified, or amended on or after the effective date of this part, shall provide a provision for a period of no less than 90 days extension of benefits in the event of total disability at the date of discontinuance of the group policy, contract, or certificate as required by the following paragraphs of this section.
(a) In the case of a group plan that contains a disability benefit extension of any type (e.g., premium waiver extension, extended death benefit in event of total disability, or payment of income for a specified period during total disability), the discontinuance of the group policy, contract, or certificate shall not operate to terminate the extension.(b) In the case of a group plan providing benefits for loss of time from work or specific indemnity during hospital confinement, discontinuance of the group policy, contract, or certificate during a disability shall have no effect on benefits payable for that disability or confinement.(c) An applicable extension of benefits or accrued liability shall be described in any policy or contract involved as well as in group insurance certificates as follows: (1) The benefits payable during any period of extension of benefits or accrued liability may be subject to the policy's, contract's, or certificate's regular benefit limits, such as benefits ceasing at exhaustion of a benefit period or of maximum benefits; and(2) The benefit payments for hospital or medical expense coverages may be limited to payments applicable to the disability condition only.(d) Every group policy, contract, or certificate subject to this part, including dental expense coverage, must provide for continuation of coverage for confinement or courses of treatment that commenced prior to termination of coverage.N.H. Admin. Code § Ins 6101.04
Adopted by Volume XXXVIII Number 06, Filed February 8, 2018, Proposed by #12471, Effective 1/31/2018, Expires 1/31/2028.