Chapter 45-06-05.1 - LONG-TERM CARE INSURANCE MODEL REGULATION
- Section 45-06-05.1-01 - Applicability and scope
- Section 45-06-05.1-02 - Definitions
- Section 45-06-05.1-03 - Policy definitions
- Section 45-06-05.1-04 - Policy practices and provisions
- Section 45-06-05.1-05 - Unintentional lapse
- Section 45-06-05.1-06 - Required disclosure provisions
- Section 45-06-05.1-07 - Required disclosure of rating practices to consumers
- Section 45-06-05.1-08 - Initial filing requirements
- Section 45-06-05.1-08.1 - Initial filing requirements for policies issued after March 1, 2020
- Section 45-06-05.1-09 - Prohibition against post-claims underwriting
- Section 45-06-05.1-10 - Minimum standards for home health and community care benefits in long-term care insurance policies
- Section 45-06-05.1-11 - Requirement to offer inflation protection
- Section 45-06-05.1-12 - Requirements for application forms and replacement coverage
- Section 45-06-05.1-13 - Reporting requirements
- Section 45-06-05.1-14 - Licensing
- Section 45-06-05.1-15 - Discretionary powers of commissioner
- Section 45-06-05.1-16 - Reserve standards
- Section 45-06-05.1-17 - Life insurance long-term care benefits
- Section 45-06-05.1-18 - Premium rate schedule increases
- Section 45-06-05.1-19 - Filing requirement
- Section 45-06-05.1-20 - Filing requirements for advertising
- Section 45-06-05.1-21 - Standards for marketing
- Section 45-06-05.1-22 - Suitability
- Section 45-06-05.1-23 - Prohibition against preexisting conditions and probationary periods in replacement policies or certificates
- Section 45-06-05.1-24 - Nonforfeiture benefit requirement
- Section 45-06-05.1-25 - Standards for benefit triggers
- Section 45-06-05.1-26 - Additional standards for benefit triggers for qualified long-term care insurance contracts
- Section 45-06-05.1-27 - Standard format outline of coverage
- Section 45-06-05.1-28 - Requirement to deliver shopper's guide
- Section 45-06-05.1-29 - Penalties
- Appendix A - Rescission Reporting Form
- Appendix B - Personal Worksheet
- Appendix C - Disclosure Form
- Appendix D - Response Letter
- Appendix E - Sample Claims Denial Format
- Appendix F - Potential Rate Increase Disclosure Form
- Appendix G - Replacement and Lapse Reporting Form