N.H. Code Admin. R. Ins 3602.09 – Waiver or Suspension of Rules

(a) The commissioner, upon the commissioner’s own initiative or upon request by an insurer, shall waive any requirement of this part if such waiver does not contradict the objective or intent of the rule and:
1. (1) Applying the rule provision would cause confusion or would be misleading to consumers;
2. (2) The rule provision is in whole or in part inapplicable to the given circumstances;
3. (3) There are specific circumstances unique to the situation such that strict compliance with the rule would be onerous without promoting the objective or intent of the rule provision; or
4. (4) Any other similar extenuating circumstances exist such that application of an alternative standard or procedure better promotes the objective or intent of the rule provision.
(b) No requirement prescribed by statute shall be waived unless expressly authorized by law.
(c) Any person or entity seeking a waiver shall make a request in writing.
(d) A request for a waiver shall specify the basis for the waiver and proposed alternative, if any.
Source. #12472, eff 2-16-18
APPENDIX I
Rule
Specific State Statute the Rule Implements
Ins 3601.01
RSA 400-A:15, I; RSA 415-D:1
Ins 3601.02
RSA 400-A:15, I; RSA 415-D:2
Ins 3601.03
RSA 400-A:15, I; RSA 415-D:3
Ins 3601.04
RSA 400-A:15, I; RSA 415-D:5
Ins 3601.05
RSA 400-A:15, I; RSA 415-D:5 through 10
Ins 3601.06
RSA 400-A:15, I; RSA 415-D:10
Ins 3601.07
RSA 400-A:15, I; RSA 415-D:5
Ins 3601.08
RSA 400-A:15, I; RSA 415-D:3, 5 and 6
Ins 3601.09
RSA 400-A:15, I; RSA 415-D:11
Ins 3601.10
RSA 400-A:15, I; RSA 415-D:5
Ins 3601.11
RSA 400-A:15, I; RSA 415-D:5 and 8
Ins 3601.12
RSA 400-A:15, I; RSA 415-D:8
Ins 3601.13
RSA 400-A:15, I; RSA 415-D:6 and 7
Ins 3601.14
RSA 400-A:15, I; RSA 415-D:12
Ins 3601.15
RSA 400-A:15, I; RSA 402-J; RSA 415-D:12
Ins 3601.16
RSA 400-A:14; RSA 400-A:15, I; 415-D:1 and 12
Ins 3601.17
RSA 400-A:15, I; RSA 410; 415-D:12
Ins 3601.18
RSA 400-A:15, I; RSA 415-D:3, VI; RSA 415-D:5, IV(e)
Ins 3601.19
RSA 400-A:15, I; RSA 415-D:3 and 8; RSA 415-D:3; RSA 415-D:8
Ins 3601.20
RSA 415-D:4, 11 and 12
Ins 3601.21
RSA 400-A:15, I; RSA 415-D:1 and 3, V; RSA 415-D:12
Ins 3601.22
RSA 400-A:15, I; RSA 415-D:1 and 3, V; RSA 415-D:5, 8, 11 and 12
Ins 3601.23
RSA 400-A:15, I; RSA 415-D:1 and 3, VIII; RSA 415-D:5
Ins 3601.24
RSA 400-A:15, I; RSA 415-D:5
Ins 3601.25
RSA 400-A:15, I; RSA 415-D:5; 415-D:8
Ins 3601.26
RSA 400-A:15, I; RSA 415-D:5; 415-D:8
Ins 3601.27
RSA 400-A:15, I; RSA 415-D:10
Ins 3601.28
RSA 400-A:15, I; RSA 415-D:5
Ins 3601.29
RSA 400-A:15, I; RSA 415-D:5
Ins 3601.30
RSA 400-A:15, I; RSA 415-D:3, VIII; RSA 415-D:5, II; RSA 415-D:8
Ins 3601.31
RSA 400-A:15, I; RSA 415-D:3, VIII; RSA 415-D:5, II; RSA 415-D:8, IX
Ins 3601.32
RSA 400-A:15, I; RSA 415-D:8
Ins 3601.33
RSA 400-A:15, I; RSA 415-D:5, VII
Ins 3601.34
RSA 400-A:15, I and III
Ins 3601.35
RSA 400-A:15, I; RSA 541-A:22, IV
Appendix A
RSA 400-A:15, I; RSA 415-D:1; RSA 415-D:5; RSA 415-D:8
Appendix B
RSA 400-A:15, I; RSA 415-D:1; RSA 415-D:5; RSA 415-D:8
Appendix C
RSA 400-A:15, I; RSA 415-D:1; RSA 415-D:5; RSA 415-D:8
Appendix D
RSA 400-A:15, I; RSA 415-D:1; RSA 415-D:5; RSA 415-D:8
Appendix E
RSA 400-A:15, I; RSA 415-D:1; RSA 415-D:5; RSA 415-D:8
Appendix F
RSA 400-A:15, I; RSA 415-D:1; RSA 415-D:5; RSA 415-D:8
Appendix G
RSA 400-A:15, I; RSA 415-D:1; RSA 415-D:5; RSA 415-D:6; RSA 415-D:8
Appendix H
RSA 400-A:15, I; RSA 415-D:1; RSA 415-D:5; RSA 415-D:8
Ins 3602.01
RSA 400-A:15, I; RSA 167:4, IV(d); RSA 415-D:1,12; 42 U.S.C. §1396p
Ins 3602.02
RSA 400-A:15, I; RSA 167:4, IV(d); RSA 415-D:2,12; 42 U.S.C. §1396p
Ins 3602.03
RSA 400-A:15, I; RSA 167:4, IV(d); RSA 415-D:3,12; 42 U.S.C. §1396p
Ins 3602.04
RSA 400-A:15, I; RSA 167:4, IV(d); RSA 415-D:5,12; 42 U.S.C. §1396p
Ins 3602.05
RSA 400-A:15, I; RSA 167:4, IV(d); RSA 415-D:5, 6, 9, 11,12; 42 U.S.C. §1396p
Ins 3602.06
RSA 400-A:15, I; RSA 167:4, IV(d); RSA 415-D:5, 8, 11,12; 42 U.S.C. §1396p
Ins 3602.07
RSA 400-A:15, I; RSA 167:4, IV(d); RSA 415-D:5,12; 42 U.S.C. §1396p
Ins 3602.08
RSA 400-A:15, I; RSA 167:4, IV(d); RSA 415-D:5, 11, 12; 42 U.S.C. §1396p
Ins 3602.09
RSA 400-A:15, I
Appendix I
42 U.S.C. §1396p; RSA 167:4, IV(d); RSA 415-D:5,8,12
Appendix II
42 U.S.C. §1396p; RSA 167:4, IV(d); RSA 415-:5,6,9,10,11,12
Appendix III
RSA 400-A:15, I; RSA 167:4, IV(d); RSA 415-D:5, 6, 9, 10, 11,12;
APPENDIX II
Rule
Title
Obtain at:
Ins 3602.06(a)(3)
Appendix III
NAIC 2017 Long-Term Care Insurance Model Act; published by NAIC as MDL-640
Available for no cost on-line at: http://www.naic.org/store/free/MDL-640.pdf
Ins 3602.06(a)(3)
Appendix III
NAIC 2017 Long-Term Care Insurance Model Regulation; published by NAIC as MDL-641
Available for no cost on-line at: http://www.naic.org/store/free/MDL-641.pdf
Appendix III
Long-Term Care Partnership Program Insurer Certification Form
Section 1917(b)(5)(B)(iii) of the Social Security Act, 42 U.S.C. §1396p(b)(5)(B)(iii), authorizes the New Hampshire insurance commissioner upon implementing a qualified state long-term care partnership program ("qualified partnership") to certify that long-term care insurance policies (including certificates issued under a group insurance contract) covered under the qualified partnership meet certain consumer protection requirements, and policies so certified are deemed to satisfy such requirements. These consumer protection requirements are set forth in §1917(b)(5)(A) of the Social Security Act, 42 U.S.C. §1396p(b)(5)(A) and principally include certain specific provisions of the long-term care insurance model regulation and long-term care insurance model act promulgated by the National Association of Insurance Commissioners, referred to herein as the "Model Regulation 641" and "Model Act 640" respectively, and available as referenced in Appendix II.
In order to provide the Insurance Commissioner with information necessary to provide a certification for policies, this issuer certification form requests information and a certification from issuers of long-term care insurance policies with respect to policy forms that may be covered under the qualified partnership program of the state.
An insurance company may request certification of policies from time to time and, accordingly, may supplement this issuer certification form, e.g., as it introduces new long-term insurance policy forms for issuance.
________________________________________________________________________
I. GENERAL INFORMATION
A. Name, address and telephone number of issuer:
______________________________________________________________
______________________________________________________________
______________________________________________________________
B. Name, address, telephone number, and email address (if available) of an employee of issuer who will be the contact person for information relating to this form:
______________________________________________________________
______________________________________________________________
______________________________________________________________
C. Policy form number(s) (or other identifying information, such as certificate series) for policies covered by this issuer certification form:
______________________________________________________________
______________________________________________________________
______________________________________________________________
Copies of each of the above referenced policy forms, including any riders and endorsements, shall be provided.
II. QUESTIONS REGARDING APPLICABLE PROVISIONS OF THE MODEL REGULATION 641 AND MODEL ACT 640
Please answer each of the questions below with respect to the policy forms identified in section I.C. above. For purposes of answering the questions below, any provision of the Model Regulation 641 or Model Act 640 listed below shall be treated as including any other provision of the Model Regulation 641 or Model Act 640 necessary to implement the provision.
Are the following requirements of the Model Regulation 641 met with respect to all policies (including certificates issued under a group insurance contract) intended to be covered under the qualified partnership program that are issued on each of the policy forms identified in Section I.C. above?
Yes___
No___
N/A___
A.
Section 6A (relating to guaranteed renewal or noncancellability), other than paragraph (5) thereof, and the requirements of section 6B of the Model Act 640 relating to such section 6A.
Yes___
No___
N/A___
B.
Section 6B (relating to prohibitions on limitations and exclusions) other than paragraph (7) thereof.
Yes___
No___
N/A___
C.
Section 6C (relating to extension of benefits).
Yes___
No___
N/A___
D.
Section 6D (relating to continuation or conversion of coverage).
Yes___
No___
N/A___
E.
Section 6E (relating to discontinuance and replacement of policies).
Yes___
No___
N/A___
F.
Section 7 (relating to unintentional lapse).
Yes___
No___
N/A___
G.
Section 8 (relating to disclosure), other than sections 8F, 8G, 8H, and 8I thereof.
Yes___
No___
N/A___
H.
Section 9 (relating to required disclosure of rating practices to consumer).
Yes___
No___
N/A___
I.
Section 11 (relating to prohibitions against post-claims underwriting).
Yes___
No___
N/A___
J.
Section 12 (relating to minimum standards).
Yes___
No___
N/A___
K.
Section 14 (relating to application forms and replacement coverage).
Yes___
No___
N/A___
L.
Section 15 (relating to reporting requirements).
Yes___
No___
N/A___
M.
Section 22 (relating to filing requirements for advertising).
Yes___
No___
N/A___
N.
Section 23 (relating to standards for marketing).
Yes___
No___
N/A___
O.
Section 24 (relating to suitability).
Yes___
No___
N/A___
P.
Section 25 (relating to prohibition against preexisting conditions and probationary periods in replacement policies or certificates).
Yes___
No___
N/A___
Q.
Section 28 (the provisions relating to contingent nonforfeiture benefits, if the policyholder declines the offer of a nonforfeiture provision described in section 7702B(g)(4) of the Internal Revenue Code of 1986, 26 U.S.C. 7702BJ(g)(4).
Yes___
No___
N/A___
R.
Section 33 (relating to standard format outline of coverage).
Yes___
No___
N/A___
S.
Section 34 (relating to requirement to deliver shopper's guide).
Are the following requirements of the Model Act 640 met with respect to all policies (including certificates issued under a group insurance contract) intended to be covered under the qualified partnership program that are issued on each of the policy forms identified in section I.C. above?
Yes___
No___
N/A___
A.
Section 6C (relating to preexisting conditions).
Yes___
No___
N/A___
B.
Section 6D (relating to prior hospitalization).
Yes___
No___
N/A___
C.
Section 8 (provisions relating to contingent nonforfeiture benefits).
Yes___
No___
N/A___
D.
Section 6F (relating to right to return).
Yes___
No___
N/A___
E.
Section 6G (relating to outline of coverage).
Yes___
No___
N/A___
F.
Section 6H (relating to requirements for certificates under group plans).
Yes___
No___
N/A___
G.
Section 6J (relating to policy summary).
Yes___
No___
N/A___
H.
Section 6K (relating to monthly reports on accelerated death benefits).
Yes___
No___
N/A___
I.
Section 7 (relating to incontestability period).
In order for a policy to be covered under the qualified partnership program of the state, the answers to all questions above should be "yes" (or "N/A" where all requirements with respect to a provision are not applicable). If answers differ between policy forms (e.g., a requirement would be answered "Yes" for one form and "N/A" for another), you should use separate issuer certification forms for such policies.
III. CERTIFICATION
I hereby certify that the policy forms and endorsements identified in section C. above meet all of the requirements of the National Association of Insurance Commissioners' Long-Term Care Model Act 640 and Model Regulation 641 that are specified in 42 U.S.C. §1396p(b)(1)(C)(iii) and further certify that the answers, accompanying documents, and other information set forth herein are, to the best of my knowledge and belief, true, correct, and complete.
_____________________ ___________________________________________
Date Name and Title of Officer of the Issuer
___________________________________________
Signature of Officer of the Issuer