Maryland Insurance Article Title 18, 20 sections: Long-Term Care Insurance

What this document is

Maryland Insurance Article Title 18 - Long-Term Care Insurance (20 sections) is a state statute published by Maryland General Assembly, Department of Legislative Services (mgaleg.maryland.gov). It is one of the Maryland documents that insurance license exam questions are written from, including maryland life & health practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.

• Md. Code Ann., Ins. Title 18 § 18-105 (Underwriting Evidence for Older Applicants)

  “Before issuing a policy of long-term care insurance to an applicant who is at least 80 years old, unless the policy is guaranteed issue, the carrier shall obtain: (1) a report of a physical examination; (2) an assessment of functional capacity; or (3) copies of medical records.”

• Md. Code Ann., Ins. Title 18 § 18-111 (Coverage for Alzheimer's Disease and Senile Dementia)

  “Except for coverage excluded under a preexisting condition provision, long-term care insurance shall provide coverage for Alzheimer’s disease or other senile dementia disorders without any condition, limitation, or reduction of coverage not applicable to coverage for other diseases or illnesses.”

• Md. Code Ann., Ins. Title 18 § 18-101(b) (Definition of Alzheimer's disease)

  ““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.”

• Md. Code Ann., Ins. Title 18 § 18-119(b) (Long-Term Care Free Look and Nonwaivable Right of Surrender)

  “An insured or certificate holder who is insured under a policy or contract of long–term care insurance may surrender the policy or contract within 30 days after delivery for a return of any premium paid by providing written notice of surrender to the carrier. (2) The right of surrender may not be waived.”

• Md. Code Ann., Ins. Title 18 § 18-120(b) (Prohibited Long-Term Care Marketing Practices)

  “In addition to the other practices prohibited under this article, a carrier or insurance producer of a carrier that provides long–term care insurance may not: (1) employ a method of marketing that induces or tends to induce the purchase of long–term care insurance through undue pressure; (2) use a...”

• Md. Code Ann., Ins. Title 18 § 18-104(b)(2) (Application questions: bar on rescission for medication-linked condition)

  “If the carrier knew or should have known that the medication listed under paragraph (1) of this subsection at the time of application was directly related to a medical condition for which coverage would otherwise be denied, the policy or certificate of long-term care insurance may not be rescinded for that condition.”

• Md. Code Ann., Ins. Title 18 § 18-106(a)(2) (Outline of Coverage and Buyer's Guide - Delivery Timing)

  “(2) The carrier shall deliver the outline of coverage and buyer’s guide: (i) in the case of solicitation by the carrier or insurance producer of the carrier, before the presentation of an application or enrollment form; and (ii) in the case of direct response solicitation, with the application or enrollment form.”

• Md. Code Ann., Ins. Title 18 § 18-103(a) (Scope: compliance required to market long-term care insurance)

  “A carrier may not advertise, market, or offer a policy, contract, or certificate in the State as long-term care insurance or long-term nursing home insurance unless the policy or contract complies with this title.”

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More Maryland sources

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