WILLIAM DONALD SCHAEFER, Governor

Ch. 681

circumstances; defining certain terms; and generally
relating to long-term care insurance.

BY adding to

Article 48A - Insurance Code

Section 642 through 649, inclusive, to be under the new

subtitle "48. Long-Term Care Insurance."
Annotated Code of Maryland
(1986 Replacement Volume and 1988 Supplement)

SECTION 1. BE IT ENACTED BY THE GENERAL ASSEMBLY OF
MARYLAND, That the Laws of Maryland read as follows:

Article 48A - Insurance Code

48. LONG-TERM CARE INSURANCE

642.

(A)  IN THIS SUBTITLE THE FOLLOWING WORDS HAVE THE MEANINGS
INDICATED.

(B)   "ALZHEIMER'S DISEASE" MEANS A PROGRESSIVE BRAIN DISEASE
DIAGNOSED AS ALZHEIMER'S DISEASE BY THE LICENSED ATTENDING
PHYSICIAN OF THE INSURED OR CERTIFICATE HOLDER AND CONFIRMED BY A
SECOND OPINION OF A LICENSED PHYSICIAN.

(C)   "APPLICANT" MEANS:.

(1)  IN THE CASE OF AN INDIVIDUAL LONG-TERM CARE
INSURANCE POLICY OR CONTRACT, THE PERSON WHO SEEKS TO CONTRACT
FOR BENEFITS; AND

(2)  IN THE CASE OF A GROUP LONG-TERM CARE INSURANCE
POLICY, THE PROPOSED CERTIFICATE HOLDER.

(D)   "INSURER" MEANS AN INSURANCE COMPANY, NONPROFIT HEALTH
SERVICE PLAN, HEALTH MAINTENANCE ORGANIZATION, OR PREFERRED
PROVIDER ORGANIZATION.

(E)  (1) "LONG-TERM CARE INSURANCE" MEANS ANY GROUP OR
INDIVIDUAL INSURANCE POLICY, CONTRACT, OR RIDER ISSUED,
DELIVERED, OR OFFERED BY AN INSURER THAT:

(I)   IS ADVERTISED, MARKETED, OFFERED, OR
DESIGNED TO PROVIDE COVERAGE FOR NOT LESS THAN 24 CONSECUTIVE
MONTHS FOR EACH PERSON ON AN EXPENSE INCURRED, INDEMNITY,
PREPAID, OR INSURED BASIS; AND

(II)  PROVIDES 1 OR MORE NECESSARY OR
APPROPRIATE DIAGNOSTIC, PREVENTIVE, THERAPEUTIC, REHABILITATIVE,

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