Chapter 01 Long-Term Care Insurance

Chapter 01 Long-Term Care Insurance | Library of Maryland Regulations

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Code of Maryland Regulations

Title 31 MARYLAND INSURANCE ADMINISTRATION

Subtitle 14 LONG-TERM CARE

Chapter 01 Long-Term Care Insurance

Code of Maryland Regulations

Chapter 01 Long-Term Care Insurance

.01 Applicability and Scope.

.02 Definitions.

.03 Policy Terms.

.04 Policy Practices and Provisions.

.05 Disclosure.

.06 Requirements for Applications.

.07 Person To Be Notified.

.08 Applicant's Options.

.09 Prohibition Against Post-Claims Underwriting.

.10 Preexisting Condition and Waiting Period Provisions in Replacement Policies.

.11 Minimum Standards for Home Health Care Benefits in Long-Term Insurance Policies.

.12 Requirement To Offer Inflation Protection.

.13 Nonforfeiture Benefit Requirement.

.14 Group Coverage.

.15 Advertising.

.16 Standards for Marketing.

.17 Appropriateness of Recommended Purchase.

.18 Outline of Coverage.

.19 Requirement To Deliver Buyer's Guide.

.20 Waivers.

.21 Form of Outline of Coverage.

.22 Replacement Notice.

.23 Replacement Notice for Direct Response Business.

.24 Reporting Requirements.

.25 Suitability.

.26 Standards for Benefit Triggers.

.27 Additional Standards for Benefit Triggers for Qualified Long-Term Care Insurance Contracts.

.28 Penalties.

.29 Rescission.

.30 Things You Should Know Before You Buy Long-Term Care Insurance.

.31 Long-Term Care Insurance Suitability Letter.

.32 Claims Denial Reporting Form.

.33 Incontestability Period.

.34 Producer Training Requirements.

.35 Availability of New Services or Providers.

.36 Right to Reduce Coverage and Lower Premiums.

Administrative History Effective date: September 1, 1994 (21:13 Md. R. 1156) —————— Chapter recodified from COMAR 09.30.88 to COMAR 31.14.01 effective September 7, 1998 (25:18 Md. R. 1439) Chapter revised effective April 1, 2002 (29:6 Md. R. 570) —————— Chapter revised effective September 10, 2007 (34:18 Md. R. 1581) Regulation .01 amended effective September 1, 2014 (41:17 Md. R. 972) Regulation .13E amended effective February 27, 2017 (44:4 Md. R. 256) Regulation .24H —J adopted effective February 27, 2017 (44:4 Md. R. 256) Regulation .36 amended effective February 27, 2017 (44:4 Md. R. 256) Authority Health-General Article, §19-705; Insurance Article, §§ 2-109 , 14-124 , Title 18, Subtitle 1, and Title 27; Annotated Code of Maryland

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Next Chapter 02 Long-Term Care Insurance — Premium Rates and Reserves

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