Title 27, Title 27 Title 27

(a) Every insurer, healthcare services plan, or other entity marketing long-term care insurance coverage in this state, directly or through its producers, shall: (1) Establish marketing procedures to ensure that any comparison of policies by its agents or other insurance producer…

(a) A long-term care insurance shopper’s guide in the format developed by the National Association of Insurance Commissioners, or a guide developed or approved by the director, shall be provided to all prospective applicants of a long-term care insurance policy or certificate. (b…

The director shall issue reasonable regulations to promote premium adequacy and to protect the policymaker in the event of substantial rate increases, and to establish minimum standards for producer education, marketing practices, producer compensation, producer testing, penaltie…

The department of business regulation shall pre-certify long-term care insurance policies that meet all other applicable requirements imposed by this chapter and that: (1) Offer the option of home and community based services in addition to nursing home care; (2) In all home care…

(a) Except as provided in subsection (b), a long-term care insurance policy may not be delivered or issued for delivery in this state unless the policyholder or certificate holder has been offered the option of purchasing a policy or certificate including a nonforfeiture benefit.…

Long-term care insurance is deemed to be accident and health insurance and is classified as such for the purposes of chapter 34.3 of this title, the Rhode Island Life and Health Insurance Guaranty Association Act. The requirements of this chapter apply to policies delivered or is…

If any provision of this chapter or the application of any provision to any person or circumstances is for any reason held to be invalid, the remainder of the chapter and the application of the provision to other persons or circumstances shall not be affected by that invalidity.

(a) On or after January 1, 2008, an individual may not sell, solicit, or negotiate long-term care insurance unless the individual is licensed as an insurance producer for accident and health or sickness or life and has completed a one-time training course. The training shall meet…

(a) No new or existing policy or certificate may contain any provision: (1) Purporting to reserve sole discretion to the insurance company to determine eligibility for benefits or interpret the terms of a policy or certificate; or (2) Specifying or affecting a standard of review …

This chapter may be known and cited as the “Long-term Care Insurance Act.”

Unless the context requires otherwise, the following definitions apply throughout the chapter: (1) “Applicant” means: (i) In the case of an individual long-term care insurance policy, the person who seeks to contract for benefits; and (ii) In the case of a group long-term care in…

No group long-term care insurance coverage may be offered to a resident of this state under a group policy issued in another state to a group described in § 27-34.2-4(4)(v), unless this state or another state having statutory and regulatory long-term care insurance requirements s…

(a) The director may adopt regulations that establish: (1) Standards for full and fair disclosure setting forth the manner, content, and required disclosures for the sale of long-term care insurance policies, terms of renewability, initial and subsequent conditions of eligibility…

(a) For a policy or certificate that has been in force for less than six (6) months, an insurer may rescind a long-term care insurance policy or certificate or deny an otherwise valid long-term care insurance claim upon a showing of misrepresentation that is material to the accep…

The director may upon written request issue an order to modify or suspend a specific provision or provisions of regulations adopted pursuant to this chapter, and may upon written request permit the use of waivers or riders, with respect to a specific long-term care insurance poli…

Regulations adopted pursuant to this chapter shall be in accordance with the provisions of chapter 35 of title 42.