N.D. Cent. Code § 26.1-45-07: Prior institutionalization requirement prohibited

1.No long-term care insurance policy or certificate may be delivered or issued for delivery in this state if such policy:

a.Conditions eligibility for any benefits on a prior hospitalization requirement.

b.Conditions eligibility for benefits provided in an institutional care setting on the receipt of a higher level of such institutional care.

c.Conditions eligibility for any benefits other than waiver of premium, postconfinement, postacute care, or recuperative benefits on a prior institutionalization requirement.

2.a.A long-term care insurance policy containing postconfinement, postacute care, or recuperative benefits must clearly label in a separate paragraph of the policy or certificate entitled "limitations or conditions on eligibility for benefits" such limitations or conditions, including any required number of days of confinement.

b.A long-term care insurance policy or rider which conditions eligibility of noninstitutional benefits on the prior receipt of institutional care may not require a prior institutional stay of more than thirty days.

3.No long-term care insurance policy or rider which provides benefits only following institutionalization may condition such benefits upon admission to a facility for the same or related conditions within a period of less than thirty days after discharge from the institution.