Long Term Care Insurance | Midpage

Collections
Alabama Administrative Code

Chapter 482-1-091

Long Term Care Insurance

Alabama Department of Insurance

482-1-091-.01Purpose 482-1-091-.02Authority 482-1-091-.03Applicability And Scope 482-1-091-.04Definitions 482-1-091-.05Policy Definitions 482-1-091-.06Policy Practices And Provisions 482-1-091-.07Unintentional Lapse 482-1-091-.08Required Disclosure Provisions 482-1-091-.09Prohibition Against Post-Claims Underwriting 482-1-091-.10Minimum Standards For Home Health And Community Care Benefits In Long-Term Care Insurance Policies 482-1-091-.11Requirement To Offer Inflation Protection 482-1-091-.12Requirements For Application Forms And Replacement Coverage 482-1-091-.13Discretionary Powers Of Commissioner 482-1-091-.14Reserve Standards 482-1-091-.15Loss Ratio 482-1-091-.16Filing Requirement 482-1-091-.17Standard Format Outline Of Coverage 482-1-091-.18Requirement To Deliver Shopper's Guide 482-1-091-.19Reporting Requirements 482-1-091-.20Permitted Compensation Arrangements 482-1-091-.21Filing Requirements For Advertising 482-1-091-.22Standards For Marketing 482-1-091-.23Suitability 482-1-091-.24Prohibition Against Preexisting Conditions And Probationary Periods In Replacement Policies Or Certificates 482-1-091-.25Nonforfeiture Benefit Requirement 482-1-091-.26Standards For Benefit Triggers 482-1-091-.27Additional Standards For Benefit Triggers For Qualified Long-Term Care Insurance Contracts 482-1-091-.28Required Disclosure Of Rating Practices To Consumers 482-1-091-.29Initial Filing Requirements 482-1-091-.30Premium Rate Schedule Increases 482-1-091-.31Penalties 482-1-091-.32Producer Licensing And Training Requirements 482-1-091-.33Availability Of New Services Or Providers 482-1-091-.34Right To Reduce Coverage And Lower Premiums 482-1-091-.35Separability 482-1-091-.36Effective Date 482-1-091-ABAppendix B Personal Worksheet 482-1-091-ACAppendix C Disclosure Form 482-1-091-ADAppendix D Response Letter 482-1-091-AEAppendix E Claims Denial Reporting Form 482-1-091-AFPotential Rate Increase Disclosure Form 482-1-091-AGAppendix G Replacement And Lapse Reporting Form