(e) If a resident fails to maintain minimum long term care insurance coverage in accordance with the long term care security program for long term care, the life care community operator shall purchase, if possible, such coverage on behalf of and at the expense of the resident and may require an appropriate adjustment in the monthly fees paid by the resident to the life care community operator.

1. (1) If the life care community operator cannot purchase such long term care insurance coverage, the operator may require an adjustment in the resident's monthly fees, subject to the approval of the superintendent, to fund the additional risk to the facility.
2. (2) If the resident fails to maintain such long term care insurance coverage and the life care community operator has not purchased such coverage, the operator shall be responsible for any expenses which would have been covered under the long term care insurance policy which the resident failed to maintain. The operator may add the amount of such expenses to the resident's monthly fees.