Medicare Supplement Insurance Policies and Long-Term Care Insurance

What this document is

R.I. Gen. Laws Title 27, Chapters 18.2 and 34.2: Medicare Supplement Insurance Policies and Long-Term Care Insurance is a state statute published by webserver.rilegislature.gov. It is one of the Rhode Island documents that insurance license exam questions are written from, including rhode island 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.

• R.I. Gen. Laws tit. 27 § 27-34.2-6(n) (Long-term care claim denial disclosure)

  “(n) If a claim under a long-term care insurance contract is denied, the issuer shall, within sixty (60) days of the date of a written request by the policyholder or certificate holder, or a representative thereof: (1) Provide a written explanation of the reasons for the denial; and (2) Make...”

• R.I. Gen. Laws tit. 27 § 27-34.2-6(e)(2) (Prohibited long-term care benefit triggers)

  “(2) A long-term care insurance policy or rider shall not condition eligibility for non-institutional benefits on the prior or continuing receipt of skilled care services.”

• R.I. Gen. Laws tit. 27 § 27-34.2-6(b)(1) (Prohibited long-term care policy provisions)

  “(b) No long-term care insurance policy may: (1) Be canceled, nonrenewed, or terminated on the grounds of the age or the deterioration of the mental or physical health of the insured individual or certificate holder;”

• R.I. Gen. Laws tit. 27 § 27-18.2-6(a) (Disclosure standards, outline of coverage)

  “(a) In order to provide for full and fair disclosure in the sale of Medicare supplement policies, no Medicare supplement policy or certificate shall be delivered in this state unless an outline of coverage is delivered to the applicant at the time application is made.”

• R.I. Gen. Laws tit. 27 § 27-18.2-3(b) (Standards for policy provisions, preexisting conditions)

  “The policy or certificate shall not define a preexisting condition more restrictively than a condition for which medical advice was given or treatment was recommended by or received from a physician within six (6) months before the effective date of coverage.”

• R.I. Gen. Laws § 27-34.2-7.1(b) (Incontestability period; six months to two years)

  “For a policy or certificate that has been in force for at least six (6) months, but less than two (2) years, an insurer may rescind a long-term care insurance policy or certificate or deny an otherwise valid long-term care insurance claim upon a showing of misrepresentation that is both material to...”

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More Rhode Island sources

• General Laws of Rhode Island § 27-29-4 - Unfair methods of competition and unfair or deceptive acts or practices definedState statute
• R.I. Gen. Laws Title 27, Chapter 18: Accident and Sickness Insurance PoliciesState statute
• R.I. Gen. Laws Title 27, Chapters 2, 9.4, 13.1 and 16: Foreign Insurance Companies; Insurance Binders as Evidence of Coverage; Examinations; Unauthorized Insurance BusinessState statute
• R.I. Gen. Laws Title 27, Chapters 18.6 and 50: Large Group Health Insurance Coverage and the Small Employer Health Insurance Availability ActState statute
• R.I. Gen. Laws Title 27, Chapters 4.8 and 37: Group Life Insurance and Cancellation of Group InsuranceState statute
• R.I. Gen. Laws Title 27, Chapter 34.3: Rhode Island Life and Health Insurance Guaranty Association ActState statute
• R.I. Gen. Laws Title 27, Chapters 4, 4.3, 4.4, 4.9 and 4.10: Life Insurance Policies and Reserves; Standard Nonforfeiture Law for Life Insurance; Standard Nonforfeiture Law for Individual Deferred Annuities; Beneficiaries' Bill of Rights; Mandatory Disclosure of Alternatives to Lapse or SurrenderState statute
• R.I. Gen. Laws Title 27, Chapters 2.4, 3.2 and 10: Producer Licensing Act, Continuing Education Requirements, and Claim AdjustersState statute