Ch. 35

1997 LAWS OF MARYLAND

"long-term care insurance" is added to clarify the applicability of this
provision.

In the introductory language of subsections (b)(1) and (c) and in (c)(2) of this
section, the references to a "group" policy are added for clarity and
consistency throughout this section.

In subsection (d) of this section, the reference to "other plans" is substituted
for the former reference to "nonmanaged care plans" for clarity.

Defined terms: "Commissioner" § 1-101
"Long-term care insurance" § 18-101
"Policy" § 1-101
"Premium" § 1-101

18-113. REPLACEMENT POLICIES.

(A) COVERAGE FOR EACH INSURED REQUIRED.

IF A GROUP POLICY OF LONG-TERM CARE INSURANCE IS REPLACED BY
ANOTHER GROUP POLICY OF LONG-TERM CARE INSURANCE PURCHASED BY THE
SAME POLICYHOLDER, THE SUCCEEDING CARRIER SHALL OFFER COVERAGE TO
EACH INSURED WHO WAS COVERED UNDER THE OLD GROUP POLICY ON ITS DATE
OF TERMINATION.

(B) EXCLUSIONS FOR PREEXISTING CONDITIONS PROHIBITED.

COVERAGE UNDER THE NEW GROUP POLICY OF LONG-TERM CARE
INSURANCE MAY NOT RESULT IN AN EXCLUSION FOR PREEXISTING CONDITIONS
THAT WOULD HAVE BEEN COVERED UNDER THE GROUP POLICY BEING REPLACED.

REVISOR'S NOTE: This section is new language derived without substantive
change from former Art. 48A, § 645.1(e) and (f).

In subsection (a) of this section, the reference to another "group policy" is
added for clarity.

Defined terms: "Carrier" § 18-101

"Long-term care insurance" § 18-101

"Policy" § 1-101

"Preexisting condition" § 18-101

18-114. INFLATION PROTECTION OPTION.
(A) SCOPE OF SECTION.
THE REQUIREMENTS OF THIS SECTION:

(1) APPLY TO INDIVIDUAL AND GROUP POLICIES OF LONG-TERM CARE
INSURANCE; AND

(2) DO NOT APPLY TO LIFE INSURANCE POLICIES OR RIDERS ON LIFE
INSURANCE POLICIES THAT CONTAIN ACCELERATED LONG-TERM CARE BENEFITS.

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