LONG-TERM CARE INSURANCE

Advertising

Generally, Minn. Statutes 2007 62A.48, 62A.50

Interstate Insurance Product Regulation Commission, Minn. Statutes 2007 60A.99

Long-term care insurance, Minn. Statutes 2007 62S.01, 62S.08, 62S.28, 62S.29

Agents, solicitors, and brokers

Application forms, Minn. Statutes 2007 62S.24

Coverage outline, delivery, Minn. Statutes 2007 62S.08

Sales, Minn. Statutes 2007 62S.25

Shoppers' guides, providing to applicants, duties, Minn. Statutes 2007 62S.31

Suitability standards, Minn. Statutes 2007 62S.30

Appeals, benefit determinations

Long-term care insurance, policies, Minn. Statutes 2007 62S.02

Applicants

Designation of additional persons to receive notice of lapse or termination, Minn. Statutes 2007 62S.19

Generally, Minn. Statutes 2007 62S.21

Health history, Minn. Statutes 2007 62S.05

Notice received, Minn. Statutes 2007 62S.24

Payments to, premium and fee refunds, Minn. Statutes 2007 62S.07, 62S.08

Return of policy, rights, Minn. Statutes 2007 62S.07

Shoppers' guides, providing to, Minn. Statutes 2007 62S.31

Signatures, acknowledgment, rating practices disclosure, Minn. Statutes 2007 62S.081

Applications

Converted policies, Minn. Statutes 2007 62S.17

Copies, delivery to or retention by insureds, Minn. Statutes 2007 62S.21

Coverage outlines, Minn. Statutes 2007 62S.08

Disclosure, rating practices, Minn. Statutes 2007 62S.081

Incorrect or false responses, denial of benefits, Minn. Statutes 2007 62S.08

Replacement coverage, Minn. Statutes 2007 62S.24

Requirements, Minn. Statutes 2007 62S.21, 62S.24

Time, Minn. Statutes 2007 62S.17

Untrue or incorrect answers, denial or rescission, Minn. Statutes 2007 62S.21

Authority to issue, generally, Minn. Statutes 2007 60A.06

Benefits

Adjustment, Minn. Statutes 2007 62S.02

Classification, Minn. Statutes 2007 62S.01

Community care, Minn. Statutes 2007 62S.22

Contingent benefits upon lapse, Minn. Statutes 2007 62S.265, 62S.266

Continuation of conversion privileges, Minn. Statutes 2007 62S.17, 62S.266

Denial, applications or enrollment forms, incorrect or false responses, Minn. Statutes 2007 62S.08

Determinations, appeals, policy requirements, Minn. Statutes 2007 62S.02

Extension, Minn. Statutes 2007 62S.16

Fixed-dollar indemnity benefits, Minn. Statutes 2007 62S.08

Generally, Minn. Statutes 2007 62S.06

Group insurance, replacement, effect, Minn. Statutes 2007 62S.17

Home health care, Minn. Statutes 2007 62S.22

Incidental benefits, Minn. Statutes 2007 62S.01, 62S.265

Increase, voluntary selection, waiting periods, Minn. Statutes 2007 62S.04

Inflation protection, Minn. Statutes 2007 62S.23

Life insurance

Accelerated benefits, Minn. Statutes 2007 62S.13, 62S.24, 62S.26

Inflation protection, Minn. Statutes 2007 62S.23

Notice, Minn. Statutes 2007 62S.266

Reporting, Minn. Statutes 2007 62S.11

Suitability standards, Minn. Statutes 2007 62S.30

Limitation, conditions, or reductions, Minn. Statutes 2007 62S.17, 62S.20, 62S.266

Nonforfeiture benefits, Minn. Statutes 2007 62A.48, 62S.266

Outline of coverage, Minn. Statutes 2007 62S.08

Payment, Minn. Statutes 2007 62S.02, 62S.13, 62S.20

Preexisting conditions, prohibited exclusions or waivers, Minn. Statutes 2007 62S.05

Reduction or elimination, Minn. Statutes 2007 62S.17, 62S.20

Screens, outline of coverage, Minn. Statutes 2007 62S.08

Case management, managed care plans, Minn. Statutes 2007 62S.17

Certificate holders, see Policyholders or certificate holders under this topic

Certificates and certification

Associations, marketing, compliance, Minn. Statutes 2007 62S.29

Initial filing, Minn. Statutes 2007 62S.021

Premium rate schedule increases, Minn. Statutes 2007 62S.265

Claims

Denial, Minn. Statutes 2007 62S.12

Human Services Department, claims by, Minn. Statutes 2007 62A.045

Human services recipients, payments to, Minn. Statutes 2007 62A.045

Community care, Minn. Statutes 2007 62A.49, 62S.22

Consumer protection

Nonforfeiture benefits, Minn. Statutes 2007 62S.266

Policies, Minn. Statutes 2007 62S.021, 62S.081

Premium rate schedule increases, Minn. Statutes 2007 62S.265

Continuation or conversion privileges

Qualified long-term care insurance, Minn. Statutes 2007 62S.17, 62S.266

Coverage

Community care, Minn. Statutes 2007 62A.49, 62S.22

Definitions, Minn. Statutes 2007 62S.05

Dependents, Minn. Statutes 2007 62A.302

Generally, Minn. Statutes 2007 62A.48

Home care services, Minn. Statutes 2007 62A.48, 62A.49, 62S.22

Organic brain disorders, Minn. Statutes 2007 62S.08

Outline of coverage, Minn. Statutes 2007 62S.08

Preexisting conditions, Minn. Statutes 2007 62S.18, 62S.19, 62S.24

Probationary periods, new replacement policies, Minn. Statutes 2007 62S.24

Prohibited exclusions, Minn. Statutes 2007 62S.04, 62S.18

Prohibited waivers, Minn. Statutes 2007 62S.05

Qualified long-term care insurance, Minn. Statutes 2007 62S.22

Reduction or elimination, riders or endorsements, Minn. Statutes 2007 62S.19

Renewal provisions, Minn. Statutes 2007 62S.20

Replacement coverage, Minn. Statutes 2007 62S.18, 62S.24

Requirements, Minn. Statutes 2007 62S.02

Small employer health benefit plans, exclusion, Minn. Statutes 2007 62L.02

Terminally ill persons, nursing home care, Minn. Statutes 2007 62A.616

Waiting period, Minn. Statutes 2007 62A.48, 62A.50, 62S.05

Deductibles, copayments, or coinsurance

Outline of coverage, Minn. Statutes 2007 62S.08

Definitions

Minnesota Life and Health Insurance Guaranty Association Act, Minn. Statutes 2007 61B.20

Qualified long-term care insurance, Minn. Statutes 2007 62S.01, 62S.20

Reserves, valuation standards, Minn. Statutes 2007 60A.761

Denial, long-term care insurance, Minn. Statutes 2007 62S.07, 62S.21

Direct response solicitation

Qualified long-term care insurance, Minn. Statutes 2007 62S.24, 62S.31

Disclosure

Associations, Minn. Statutes 2007 62S.29

Policies, Minn. Statutes 2007 62A.49, 62A.50, 62A.56

Premium schedule rate increases, Minn. Statutes 2007 62S.265

Rating practices, Minn. Statutes 2007 62S.081

Effective date, Minn. Statutes 2007 62S.33

Elimination periods, outline of coverage, Minn. Statutes 2007 62S.08

Employer-sponsored long-term care insurance

Board on aging, duties, Minn. Statutes 2007 256.975

Extraterritorial jurisdiction, foreign states, issuance, Minn. Statutes 2007 62S.03

Fines, marketing violations, Minn. Statutes 2007 62S.33

Forms

Additional persons to receive notice of lapse or termination, Minn. Statutes 2007 62S.19

Direct response solicitation, replacement long-term care insurance, Minn. Statutes 2007 62S.24

Outline of coverage, Minn. Statutes 2007 62S.08

Premium schedule rate increases, Minn. Statutes 2007 62S.265

Rating practices, disclosure, Minn. Statutes 2007 62S.081

Replacement health and accident or long-term coverage, notice, Minn. Statutes 2007 62S.24

Similar policy forms, Minn. Statutes 2007 62S.01

Group insurance

Certificates, Minn. Statutes 2007 62S.01, 62S.09

Continuation or conversion privileges, Minn. Statutes 2007 62S.17

Coverage, see same under this topic

Evidence of approval, filing, Minn. Statutes 2007 62S.27

Issuance, insurers' duties, Minn. Statutes 2007 62S.29

Nonforfeiture benefits, Minn. Statutes 2007 62S.266

Premium rate schedule increases, exclusion, Minn. Statutes 2007 62S.265

Replacement, Minn. Statutes 2007 62S.17

Termination, effect, Minn. Statutes 2007 62S.17

Guaranteed renewable, see Renewal under this topic

Health insurance, long-term care insurance defined as, Minn. Statutes 2007 61B.20

Home care services, Minn. Statutes 2007 62A.48, 62A.49, 62S.22

Inflation protection, income and franchise tax credit, Minn. Statutes 2007 290.0672

Insureds

Age, basis for calculation of premium, Minn. Statutes 2007 62S.17

Applicants (qualified long-term care insurance), see same under this topic

Applications or enrollment forms, retention or delivery to, Minn. Statutes 2007 62S.21

Cognitive impairment or loss of functional capacity, Minn. Statutes 2007 62S.18, 62S.19

Consumer protection, see same under this topic

Death of, Minn. Statutes 2007 62S.13

Names, existing insurance, replacement notice, Minn. Statutes 2007 62S.24

Riders or endorsements, agreements, Minn. Statutes 2007 62S.20

Insurers

Advertising, duties, Minn. Statutes 2007 62S.28

Associations, organizational filing, Minn. Statutes 2007 62S.01

Certificates and certification, Minn. Statutes 2007 62S.021, 62S.265, 62S.29

Disclosure, rating practices, duties, Minn. Statutes 2007 62S.081

Group policies or certificates, evidence of approval, filing, Minn. Statutes 2007 62S.27

Insurance producer training, verification, Minn. Statutes 2007 60K.365

Interstate Insurance Product Regulation Compact, Minn. Statutes 2007 60A.99, 60A.991

Marketing, duties, Minn. Statutes 2007 62S.29, 62S.30

Nonforfeiture benefits, duties, Minn. Statutes 2007 62S.266

Planning, contingent benefit upon lapse, Minn. Statutes 2007 62S.265

Premium schedule rate increases, duties, Minn. Statutes 2007 62S.265

Records and record keeping, Minn. Statutes 2007 62S.21, 62S.25

Replacement group coverage, duties, Minn. Statutes 2007 62S.18

Reports given, Minn. Statutes 2007 62S.021, 62S.21, 62S.25, 62S.30

Reserves, initial filing, Minn. Statutes 2007 62S.021

Suitability standards, Minn. Statutes 2007 62S.30

Training, Minn. Statutes 2007 62S.315

Unfair or deceptive trade practices, HIV and bloodborne pathogen tests, Minn. Statutes 2007 72A.20

Violations, Minn. Statutes 2007 62S.265, 62S.33

Waivers, replacement coverage, preexisting conditions or probationary periods, Minn. Statutes 2007 62S.24

Writing, nonforfeiture benefits, Minn. Statutes 2007 62S.265

Issuance

Converted policies, Minn. Statutes 2007 62S.17

Group insurance, insurers' duties, Minn. Statutes 2007 62S.29

Lapse or termination

Contingent benefits, Minn. Statutes 2007 62S.265, 62S.266

Group coverage, effect, Minn. Statutes 2007 62S.17

Notice requirements, Minn. Statutes 2007 62S.19

Prohibited grounds, Minn. Statutes 2007 62S.04

Records and record keeping, Minn. Statutes 2007 62S.25

Replacement coverage, applications, Minn. Statutes 2007 62S.24

Reports about, Minn. Statutes 2007 62S.25

Life insurance policies

Accelerating death benefits, Minn. Statutes 2007 62S.13, 62S.26

Limitations or exclusions, Minn. Statutes 2007 62S.15

Local governments, provision, Minn. Statutes 2007 471.61

Long-term care partnership, Minn. Statutes 2007 62S.23, 62S.24, 256B.0571

Loss ratios

Minimum loss ratio, Minn. Statutes 2007 62S.26

Nonforfeiture benefits, effect, Minn. Statutes 2007 62S.266

Marketing

Associations, organizational requirements, Minn. Statutes 2007 62S.01

Generally, Minn. Statutes 2007 62S.29

Prohibited practices, initial rate violations, Minn. Statutes 2007 62S.265

Violations, Minn. Statutes 2007 62S.33

Mortality, standards, Minn. Statutes 2007 60A.768

Noncancelable

Definitions, Minn. Statutes 2007 62S.01

Renewal, see same under this topic

Requirements, Minn. Statutes 2007 62S.14

Nonforfeiture benefits, Minn. Statutes 2007 62A.48, 62S.266

Outline of coverage, see Coverage under this topic

Policies

Advertisement, Minn. Statutes 2007 62A.48, 62A.49, 62A.50

Applications, copy left with applicant, Minn. Statutes 2007 62A.48, 62A.50

Benefit payments, Minn. Statutes 2007 62A.48, 62A.60, 290.0672

Cancellations, Minn. Statutes 2007 62A.48, 62A.50

Combination policies, limitations, exemption, Minn. Statutes 2007 60A.06

Definitions, Minn. Statutes 2007 62A.46, 62A.48

Disclosures, Minn. Statutes 2007 62A.49, 62A.50, 62A.56

Forms, rulemaking, Minn. Statutes 2007 62A.56

Generally, Minn. Statutes 2007 62A.48

Health plan, exclusion, Minn. Statutes 2007 62A.011

Home care services only policies, Minn. Statutes 2007 62A.49

Insured plan of care, review, Minn. Statutes 2007 62A.52

Medicare supplement benefits, exclusions, Minn. Statutes 2007 62A.31

Qualified long-term care policies, see same under this topic

Retroactive denial of expenses, limitations, Minn. Statutes 2007 62A.60

Riders, Minn. Statutes 2007 256B.0571

Rulemaking, Minn. Statutes 2007 62A.56

Seals or emblems, limitations, Minn. Statutes 2007 62A.50

Standards, Interstate Insurance Product Regulation Compact, Minn. Statutes 2007 60A.99, 60A.991

Violations and penalties, generally, Minn. Statutes 2007 62A.54

Policyholders or certificate holders

Certificates or contracts, delivery to, Minn. Statutes 2007 62S.09

Consumer protection, see same under this topic

Prospective policy or certificate holders, senior insurance counsel program, notice, Minn. Statutes 2007 62S.29

Reports received, long-term care funded by life insurance, Minn. Statutes 2007 62S.11

Signatures, inflation protection, rejection, Minn. Statutes 2007 62S.23

Premiums

Generally, Minn. Statutes 2007 62A.48

Premiums deducted in determining federal taxable income, Minn. Statutes 2007 290.0672

Qualified long-term care premiums, see same under this topic

Refunds, return of policy, Minn. Statutes 2007 62A.48, 62A.50

Producers

Personal solicitation of insurance, Minn. Statutes 2007 60K.46

Training, Minn. Statutes 2007 60K.365, 62S.315

Public employees group long-term care insurance program, Minn. Statutes 2007 43A.318

Qualified long-term care insurance, Minn. Statutes 2007 62S.01, 62S.20

Qualified long-term care policies

Attained age ratings, Minn. Statutes 2007 62S.266

Cautionary statements, Minn. Statutes 2007 62S.21

Combination policies, limitations, exemption, Minn. Statutes 2007 60A.06

Comparison, marketing, Minn. Statutes 2007 62S.29

Contested policy after two years, Minn. Statutes 2007 62S.13

Contract, status, Minn. Statutes 2007 62S.08

Definitions, Minn. Statutes 2007 62S.01, 62S.05, 62S.15, 62S.20

Disclosure, rating practices, Minn. Statutes 2007 62S.081

Endorsements, Minn. Statutes 2007 62S.01, 62S.20

Filing, Minn. Statutes 2007 62S.02, 62S.021

Forms, Minn. Statutes 2007 62A.50, 62S.01, 62S.23, 62S.29

Generally, Minn. Statutes 2007 62S.02

Health benefit plans, Minn. Statutes 2007 62L.02, 62S.32

Health plans, exclusion, Minn. Statutes 2007 62A.011

Individual policies, Minn. Statutes 2007 62S.10, 62S.14, 62S.19, 62S.20

Inflation protection features, Minn. Statutes 2007 62S.23

Issuance, Minn. Statutes 2007 62S.08, 62S.13, 62S.19, 62S.21, 62S.29

Labels and labeling, limitations or conditions on eligibility for benefits, Minn. Statutes 2007 62S.06

Lapse or termination, see same under this topic

Level premium contracts, Minn. Statutes 2007 62S.266

Life insurance policies, accelerating death benefits, Minn. Statutes 2007 62S.24

Limitations or exclusions

Eligibility for benefits, Minn. Statutes 2007 62S.20

Medicare supplement benefit, Minn. Statutes 2007 62A.31

Outline of coverage, Minn. Statutes 2007 62S.08

Preexisting conditions, Minn. Statutes 2007 62S.05, 62S.20

Restrictions, Minn. Statutes 2007 62S.15

Long-term care policies, exclusions, Minn. Statutes 2007 62A.48

Medicare supplement insurance policy laws, exception, Minn. Statutes 2007 62S.32

Noncancelable, Minn. Statutes 2007 62S.14, 62S.20

Nonreimbursable expenses, Minn. Statutes 2007 62S.08

Notices

Applicant rights of return, Minn. Statutes 2007 62S.07

Existing policies, replacement, numbers, Minn. Statutes 2007 62S.24

Notice to buyer, Minn. Statutes 2007 62S.08, 62S.09, 62S.29

Outline of coverage, Minn. Statutes 2007 62S.29

Numbers, existing policies, replacement notice, Minn. Statutes 2007 62S.24

Outline of coverage, Minn. Statutes 2007 62S.29

Prohibited conditions, Minn. Statutes 2007 62S.06

Regulation, Minn. Statutes 2007 62S.34

Reinstatement provisions, cognitive impairment or loss of functional capacity, Minn. Statutes 2007 62S.19

Renewal, Minn. Statutes 2007 62S.01, 62S.04, 62S.14, 62S.20

Replacement coverage, Minn. Statutes 2007 62S.18, 62S.24

Rescission, Minn. Statutes 2007 62S.08, 62S.13, 62S.21

Return, Minn. Statutes 2007 62S.07, 62S.08

Riders or endorsements, Minn. Statutes 2007 62S.01, 62S.06, 62S.20, 62S.24

Waivers, preexisting conditions, Minn. Statutes 2007 62S.05

Qualified long-term care premiums

Additional premiums, Minn. Statutes 2007 62S.18, 62S.23

Calculation, converted policies, Minn. Statutes 2007 62S.17

Cash surrender, Minn. Statutes 2007 62S.02

Filing, Minn. Statutes 2007 62S.021

Group insurance, replacement coverage, Minn. Statutes 2007 62S.18

Increase

Contingent benefit upon lapse, Minn. Statutes 2007 62S.266

Disclosure, rating practices, Minn. Statutes 2007 62S.081

Exceptional increases, Minn. Statutes 2007 62S.01, 62S.265

Inflation protection options, insurers' duties, Minn. Statutes 2007 62S.23

Notice requirements, Minn. Statutes 2007 62S.081

Replacement coverage, Minn. Statutes 2007 62S.18

Riders or endorsements, agreements, Minn. Statutes 2007 62S.20

Schedule increases, Minn. Statutes 2007 62S.265

Substantial premium rate increases, Minn. Statutes 2007 62S.266

Outline of coverage, Minn. Statutes 2007 62S.08

Payment, Minn. Statutes 2007 62S.02, 62S.17, 62S.19

Rates, Minn. Statutes 2007 62S.01

Refunds, Minn. Statutes 2007 62S.02, 62S.07, 62S.08

Regulations, see Violations and penalties under this topic

Reinstatement, cognitive impairment or loss of functional capacity of insureds, effect, Minn. Statutes 2007 62S.19

Renewal

Converted policies, Minn. Statutes 2007 62S.17

Guaranteed renewable, Minn. Statutes 2007 62S.01, 62S.14

Individuals, Minn. Statutes 2007 62S.20

Policies, Minn. Statutes 2007 62S.20

Replacement insurance, Minn. Statutes 2007 62S.25

Reserves, minimum standard of valuation, Minn. Statutes 2007 60A.76 to 60A.768

Shoppers' guides, Minn. Statutes 2007 62S.31

Skilled nursing care, qualified long-term care insurance, Minn. Statutes 2007 62S.04

Solicitations

Generally, Minn. Statutes 2007 62S.24, 62S.29, 62S.31

Producers, Minn. Statutes 2007 60K.46

Specific provider networks, managed care plans, Minn. Statutes 2007 62S.17

Standard of proof, cognitive impairment or loss of functional capacity, Minn. Statutes 2007 62S.19

Suitability

Personal solicitation, Minn. Statutes 2007 60K.46, 62S.30

Recommendations, Minn. Statutes 2007 72A.20

Tax credits, income and franchise taxes, Minn. Statutes 2007 290.0672

Taxes, nonqualified long-term care insurance

Disclosure, Minn. Statutes 2007 62A.50

Termination, see Lapse or termination under this topic

Underwriting

Medical underwriting, outline of coverage, Minn. Statutes 2007 62S.08

Premium rate schedule increases, incidental benefits exclusion, Minn. Statutes 2007 62S.265

Standards, preexisting conditions, effect, Minn. Statutes 2007 62S.05

Utilization review, managed care plans, Minn. Statutes 2007 62S.17

Violations and penalties

Policies, generally, Minn. Statutes 2007 62A.54

Qualified long-term care insurance, Minn. Statutes 2007 62S.33

Waiting periods, Minn. Statutes 2007 62S.04, 62S.08, 62S.16

Waivers

Coverage, prohibited waivers, Minn. Statutes 2007 62S.05

Insurers, replacement coverage, preexisting conditions or probationary periods, Minn. Statutes 2007 62S.24