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.
Section 284-83-400. Purpose and authority.
Section 284-83-405. Applicability and scope.
Section 284-83-410. Minimum standards for long-term care partnership policies.
Section 284-83-415. Long-term care partnership policy exchange or replacement.
Section 284-83-420. Reporting.
Section 284-83-425. Producer education.