WILLIAM DONALD SCHAEFER, Governor                         Ch. 242

1.       MEDICARE OR OTHER GOVERNMENTAL PROGRAMS
EXCEPT MEDICAID; OR

2.       ANY STATE OR FEDERAL WORKERS' COMPENSATION,
EMPLOYER'S LIABILITY, OR OCCUPATIONAL DISEASE LAW;

(VII)  SERVICES PROVIDED BY A MEMBER OF THE COVERED
PERSON'S IMMEDIATE FAMILY;

(VIII)  SERVICES FOR WHICH NO CHARGE IS NORMALLY MADE IN
THE ABSENCE OF INSURANCE.

(2) THE PROVISIONS OF PARAGRAPH (1) OF THIS SUBSECTION MAY NOT
BE CONSTRUED TO PROHIBIT:

(I)      EXCLUSIONS AND LIMITATIONS BY TYPE OF PROVIDER; OR

(II)     LIMITATIONS BY TERRITORY.

(F) (1) TERMINATION OF A LONG-TERM CARE INSURANCE POLICY OR
CERTIFICATE SHALL BE WITHOUT PREJUDICE TO ANY BENEFITS PAYABLE FOR
INSTITUTIONALIZATION IF THAT INSTITUTIONALIZATION BEGAN WHILE THE
LONG-TERM CARE INSURANCE POLICY OR CERTIFICATE WAS IN FORCE AND
CONTINUES WITHOUT INTERRUPTION AFTER TERMINATION.

(2) AN EXTENSION OF BENEFITS BEYOND THE PERIOD THE LONG-TERM
CARE INSURANCE POLICY WAS IN FORCE MAY BE:

(I)      LIMITED TO THE DURATION OF THE BENEFIT PERIOD, IF ANY,
OR TO PAYMENT OF THE MAXIMUM BENEFITS; AND

(II)     SUBJECT TO ANY POLICY WAITING PERIOD, AND ALL OTHER
APPLICABLE PROVISIONS OF THE POLICY.

644.

The Commissioner may adopt regulations regarding long-term care insurance with
respect to:

(1)     The form and content of disclosures;

(2)     The terms of renewals;

(3)     Initial and subsequent conditions of eligibility;

(4)     Nonduplication of coverage provisions;

(5)     Preexisting conditions;

(6)     Renewability of coverage;

(7)     Continuation and conversion;

(8)     Probationary periods, limitation of coverage provisions, and recurrent
conditions;

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