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Louisiana Administrative Code

Chapter 19

Regulation 46―Long-Term Care Insurance

State of Louisiana

1901Purpose 1903Applicability and Scope 1905Definitions 1907Policy Definitions 1909Policy Practices and Provisions 1911Unintentional Lapse 1913Required Disclosure Provisions 1915Required Disclosure of Rating Practices to Consumers 1917Initial Filing Requirements 1919Requirements to Offer Inflation Protection 1921Prohibition against Post-Claim Underwriting (Formerly §1915)1923Minimum Standards for Home Health and Community Care Benefits in Long-Term Care Insurance Policies (Formerly §1917)1925Requirements for Application Forms and Replacement Coverage (Formerly §1921)1927Reporting Requirements (Formerly §1923)1929Licensing (Formerly §1925)1933Reserve Standards (Formerly §1929)1935Loss Ratio (Formerly §1931)1937Premium Rate Schedule Increases 1939Premium Rate Schedule Increases for Policies Subject to Loss Ratio Limits Related to Original Filings 1941Filing Requirement (Formerly §1939)1943Filing Requirements for Advertising (Formerly §1941)1945Standards for Marketing (Formerly §1943)1947Suitability (Formerly §1945)1949Prohibition against Pre-Existing Conditions and Probationary Periods in Replacement Policies or Certificates (Formerly §1947)1951Availability of New Services or Providers 1953Right to Reduce Coverage and Lower Premiums 1955Nonforfeiture Benefit Requirement (Formerly §1949)1957Standards for Benefit Triggers (Formerly §1951)1959Additional Standards for Benefit Triggers for Qualified Long-Term Care Insurance Contracts (Formerly §1953)1961Appealing an Insurer’s Determination That the Benefit Trigger is Not Met 1963Standard Format Outline of Coverage (Formerly §1955)1965Requirement to Deliver Shopper's Guide (Formerly §1957)1967Penalties (Formerly §1959)1969Appendices (Formerly 1961)