Chapter 284-83 - Long-term care insurance rules

Section 284-83-005 - Applicability and scope
Section 284-83-010 - Definitions and standards
Section 284-83-015 - Standards for policy definitions and terms
Section 284-83-020 - Standards for policy provisions
Section 284-83-025 - Unintentional lapse
Section 284-83-030 - Required disclosure provisions
Section 284-83-035 - Required disclosure of rating practices to consumers
Section 284-83-040 - Initial rate filing requirements
Section 284-83-045 - Prohibition against post-claims underwriting
Section 284-83-050 - Minimum standards for home health and community care benefits in long-term care insurance policies
Section 284-83-055 - Requirement to offer inflation protection
Section 284-83-060 - Requirements for application forms and replacement coverage
Section 284-83-063 - Notice to applicant regarding replacement of individual accident and sickness or long-term care insurance marketed by an insurance producer
Section 284-83-067 - Notice to applicant regarding replacement of direct-marketed individual accident and sickness or long-term care insurance
Section 284-83-070 - Reporting requirements
Section 284-83-075 - Discretionary powers of commissioner
Section 284-83-080 - Reserve standards
Section 284-83-090 - Premium rate schedule increases
Section 284-83-095 - Filing requirements
Section 284-83-100 - Filing requirements for advertising
Section 284-83-105 - Standards for marketing
Section 284-83-110 - Suitability
Section 284-83-115 - Prohibition against preexisting conditions and probationary periods in replacement policies or certificates
Section 284-83-120 - Availability of new services or providers
Section 284-83-125 - Right to reduce coverage and lower premiums
Section 284-83-130 - Nonforfeiture benefit requirement
Section 284-83-135 - Standards for benefit triggers
Section 284-83-140 - Qualified long-term care insurance policies - Additional standards for benefit triggers
Section 284-83-145 - Standard format outline of coverage
Section 284-83-150 - Requirement to deliver shopper's guide
Section 284-83-155 - Prohibited practices
Section 284-83-165 - Form for reporting rescission of long-term care policies
Section 284-83-170 - Form of personal worksheet
Section 284-83-175 - Disclosure form
Section 284-83-180 - Response letter
Section 284-83-185 - Sample claims denial reporting form
Section 284-83-190 - Potential rate increase disclosure form
Section 284-83-195 - Form for reporting replacement and lapse of long-term care insurance policies
Section 284-83-210 - Definitions
Section 284-83-220 - Grouping of policy forms for purposes of ratemaking and requests for rate increase
Section 284-83-225 - Separation of data regarding certain policies
Section 284-83-230 - Loss ratio requirements for long-term care insurance forms
Section 284-83-240 - Experience records
Section 284-83-245 - Evaluating experience data
Section 284-83-250 - Life insurance policies that accelerate benefits for long-term care
Section 284-83-300 - Standards for protecting patient privacy rights
Section 284-83-310 - Right of insureds to receive confidential health services
Section 284-83-320 - Standards for the issuer's timely review of a claim denial
Section 284-83-325 - Prompt payment of clean claims
Section 284-83-350 - Standard applied if there is a conflict between a master policy and certificate of insurance
LONG-TERM CARE PARTNERSHIP PROGRAM (§§ 284-83-400 — 284-83-425)