Ch. 242

1993 LAWS OF MARYLAND

"NOTICE TO BUYER: THIS POLICY MAY NOT COVER ALL THE COSTS
ASSOCIATED WITH LONG-TERM CARE INCURRED BY THE BUYER DURING THE
PERIOD OF COVERAGE. THE BUYER IS ADVISED TO REVIEW CAREFULLY ALL
POLICY LIMITATIONS."

(D)     (1) AN INSURER MAY NOT DELIVER AN INDIVIDUAL LONG-TERM CARE
INSURANCE POLICY TO AN INSURED UNTIL THE INSURER HAS NOTIFIED THE
INSURED OF THE OPTION TO DESIGNATE IN WRITING ONE PERSON IN ADDITION TO
THE INSURED WHO IS TO RECEIVE NOTICE OF CANCELLATION OF THE POLICY FOR
NONPAYMENT OF PREMIUM UNDER § 645 OF THIS SUBTITLE.

(2)      THE INSURED HAS THE RIGHT TO CHANGE THE WRITTEN
DESIGNATION UNDER THIS SUBSECTION AT ANY TIME.

(3)      THE WRITTEN DESIGNATION SHALL BE ON A FORM PROVIDED BY
THE INSURER THAT STATES:

(I)      THAT THE INSURED HAS THE OPTION TO DESIGNATE ONE
PERSON FOR RECEIPT OF NOTICE OF CANCELLATION; AND

(II)     THE RIGHT OF THE INSURED TO CHANGE THE WRITTEN
DESIGNATION AT ANY TIME.

(E)     (1) NO LONG-TERM CARE INSURANCE POLICY OR CERTIFICATE MAY BE
DELIVERED OR ISSUED FOR DELIVERY IN THIS STATE IF SUCH POLICY LIMITS OR
EXCLUDES COVERAGE BY TYPE OF ILLNESS, TREATMENT, MEDICAL CONDITION, OR
ACCIDENT, EXCEPT AS FOLLOWS:

(I)      PREEXISTING CONDITIONS OR DISEASES;

(II)     MENTAL OR NERVOUS THAT DOES NOT INCLUDE
ALZHEIMER'S DISEASE;

(III)   ALCOHOL OR DRUG ADDICTION;

(IV)    ILLNESS, TREATMENT, OR MEDICAL CONDITIONS ARISING OUT
OF:

1.       A DECLARED OR UNDECLARED WAR OR ACT OF WAR;

2.        PARTICIPATION IN A FELONY, RIOT, OR INSURRECTION;

3.        SERVICE IN THE ARMED FORCES OR AUXILIARY UNITS;

4.        SUICIDE, ATTEMPTED SUICIDE, OR INTENTIONALLY
SELF-INFLICTED INJURY; OR

5.       AVIATION WHERE THE INSURED IS A NONFARE-PAYING
PASSENGER;

(V)     UNLESS OTHERWISE PROVIDED BY STATE OR FEDERAL LAW,
TREATMENT PROVIDED IN A GOVERNMENT FACILITY;

(VI)   SERVICES FOR WHICH BENEFITS ARE AVAILABLE UNDER:

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