191.39.1 Purpose. |
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191.39.2 Authority. |
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191.39.3 Applicability and scope. |
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191.39.4 Definitions. |
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191.39.5 Policy definitions. |
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191.39.6 Policy practices and provisions. |
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191.39.7 Required disclosure provisions. |
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191.39.8 Prohibition against postclaims underwriting. |
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191.39.9 Minimum standards for home health care benefits in long-term care insurance policies. |
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191.39.10 Requirement to offer inflation protection. |
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191.39.11 Requirements for application forms and replacement coverage. |
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191.39.12 Reserve standards. |
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191.39.13 Loss ratio. |
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191.39.14 Filing requirement. |
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191.39.15 Standards for marketing. |
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191.39.16 Suitability. |
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191.39.17 Prohibition against preexisting conditions and probationary periods in replacement policies or certificates. |
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191.39.18 Standard format outline of coverage. |
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191.39.19 Requirement to deliver shopper’s guide. |
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191.39.20 Policy summary and delivery of life insurance policies with long-term care riders. |
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191.39.21 Reporting requirement for long-term care benefits funded through life insurance by acceleration of the death benefit. |
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191.39.22 Unintentional lapse. |
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191.39.23 Denial of claims. |
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191.39.24 Incontestability period. |
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191.39.25 Required disclosure of rating practices to consumers. |
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191.39.26 Initial filing requirements. |
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191.39.27 Reporting requirements. |
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191.39.28 Premium rate schedule increases. |
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191.39.29 Nonforfeiture. |
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191.39.30 Standards for benefit triggers. |
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191.39.31 Additional standards for benefit triggers for qualified long-term care insurance contracts. |
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191.39.32 Penalties. |
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191.39.33 Notice of cancellation, nonrenewal or termination of long-term care insurance. |
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191.39.34 Reserved |
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191.39.35 Reserved |
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191.39.36 Reserved |
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191.39.37 Reserved |
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191.39.38 Reserved |
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191.39.39 Reserved |
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191.39.40 Reserved |
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191.39.41 Purpose. |
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191.39.42 Effective date. |
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191.39.43 Definitions. |
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191.39.44 Notice of benefit trigger determination and content. |
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191.39.45 Notice of internal appeal decision and right to independent review. |
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191.39.46 Independent review request. |
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191.39.47 Certification process. |
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191.39.48 Selection of independent review entity. |
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191.39.49 Independent review process. |
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191.39.50 Decision notification. |
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191.39.51 Insurer information. |
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191.39.52 Certification of independent review entity. |
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191.39.53 Additional requirements. |
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191.39.54 Toll-free telephone number. |
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191.39.55 Division application and reports. |
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191.39.56 Reserved |
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191.39.57 Reserved |
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191.39.58 Reserved |
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191.39.59 Reserved |
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191.39.60 Reserved |
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191.39.61 Reserved |
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191.39.62 Reserved |
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191.39.63 Reserved |
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191.39.64 Reserved |
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191.39.65 Reserved |
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191.39.66 Reserved |
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191.39.67 Reserved |
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191.39.68 Reserved |
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191.39.69 Reserved |
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191.39.70 Reserved |
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191.39.71 Reserved |
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191.39.72 Reserved |
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191.39.73 Reserved |
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191.39.74 Reserved |
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191.39.75 Purpose. |
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191.39.76 Effective date. |
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191.39.77 Definitions. |
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191.39.78 Eligibility. |
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191.39.79 Discontinuance of partnership program. |
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191.39.80 Required disclosures. |
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191.39.81 Form filings. |
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191.39.82 Exchanges. |
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191.39.83 Required policy terms and disclosures. |
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191.39.84 Standards for marketing and suitability. |
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191.39.85 Required reports. |
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