Ch. 227                                    1996 LAWS OF MARYLAND

(ii) Provides 1 or more necessary or appropriate diagnostic, preventive,
therapeutic, rehabilitative, maintenance, or personal care services provided in a setting
other than an acute care unit of a hospital.

(2)     "Long-term care insurance" includes any product that is advertised,
marketed, or offered as long-term care insurance.

(3)     "Long-term care insurance" does not include any insurance policy,
CERTIFICATE, contract, or rider which is offered primarily to provide:

(i)     Basic Medicare supplement coverage;

(ii)    Hospital confinement indemnity coverage;

(iii)   Basic hospital expense or medical surgical expense coverage;

(iv)    Disability income protection coverage;

(v)     Accident coverage only;

(vi)    Specified disease or specified accident coverage; or

(vii)   Skilled nursing care.

(4)     "Long-term care insurance" does not include a life insurance policy:
(i)     That accelerates the death benefit specifically for:

1.       One or more of the qualifying events of terminal illness;

2.       A medical condition requiring extraordinary medical
intervention; or

3.       Permanent institutional confinement;

(ii) That provides the option of a lump-sum payment for those
benefits; or

(iii) In which neither benefits nor eligibility for benefits is conditioned
on receipt of long-term care.

(5)      "LONG-TERM CARE INSURANCE" DOES NOT INCLUDE ANY
CERTIFICATE ISSUED UNDER AN OUT-OF-STATE EMPLOYER GROUP CONTRACT.

(I) "OUT-OF-STATE EMPLOYER GROUP CONTRACT" MEANS A GROUP
CONTRACT WHICH:

(1)     IS ENTERED INTO WITH AN EMPLOYER IN A STATE OTHER THAN
MARYLAND; AND

(2)     IS ISSUED DIRECTLY TO AN EMPLOYER UNDER THE LAWS OF THAT
EMPLOYER'S STATE.

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