Series 114-32 - Long-Term Care Insurance

Section 114-32-1 - General
Section 114-32-2 - Definitions
Section 114-32-3 - Policy Definitions
Section 114-32-4 - Policy Practices and Provisions
Section 114-32-5 - Unintentional Lapse
Section 114-32-6 - Required Disclosure Provisions
Section 114-32-7 - Required Disclosure of Rating Practices to Consumers
Section 114-32-8 - Initial Filing Requirements
Section 114-32-9 - Prohibition Against Post-Claims Underwriting
Section 114-32-10 - Minimum Standards for Home Health and Community Care Benefits in Long-Term Care Insurance Policies
Section 114-32-11 - Requirement to Offer Inflation Protection
Section 114-32-12 - Requirements for Application Forms and Replacement Coverage
Section 114-32-13 - Reporting Requirements
Section 114-32-14 - Licensing
Section 114-32-15 - Discretionary Powers of Commissioner
Section 114-32-16 - Reserve Standards
Section 114-32-17 - Loss Ratio
Section 114-32-18 - Premium Rate Schedule Increases
Section 114-32-19 - Filing Requirement
Section 114-32-20 - Filing Requirements for Advertising
Section 114-32-21 - Standards for Marketing
Section 114-32-22 - Appropriateness of Recommended Purchase
Section 114-32-23 - Prohibition Against Preexisting Conditions and Probationary Periods in Replacement Policies or Certificates
Section 114-32-24 - Availability of New Services or Providers
Section 114-32-25 - Right to Reduce Coverage and Lower Premiums
Section 114-32-26 - Nonforfeiture Benefit Requirement
Section 114-32-27 - Standards for Benefit Triggers
Section 114-32-28 - Additional Standards for Benefit Triggers for Qualified Long-Term Care Insurance Contracts
Section 114-32-29 - Appealing An Insurer's Determination That The Benefit Trigger Is Not Met
Section 114-32-30 - Prompt Payment of Clean Claims
Section 114-32-31 - Standard Format Outline of Coverage
Section 114-32-32 - Requirement to Deliver Shopper's Guide
Section 114-32-33 - Penalties
Appendix A
Appendix B
Appendix C
Appendix D
Appendix E
Appendix F
Appendix G
Appendix H