{"data":{"id":"us-in/ic-27-8-12-10.6","jurisdiction":"us-in","citation":"IC 27-8-12-10.6","heading":"Conditions on eligibility for benefits; restrictions","body":"Sec. 10.6. (a) A long term care insurance policy may not be delivered or issued for delivery in Indiana if the policy:\n(1) conditions eligibility for any benefits on a prior hospitalization requirement;\n(2) conditions eligibility for benefits provided in an institutional care setting on the receipt of a higher level of institutional care; or\n(3) conditions eligibility for a benefit other than:\n(A) a waiver of premium;\n(B) postconfinement;\n(C) postacute care; or\n(D) recuperative benefits;\non a prior institutionalization requirement.\n(b) A long term care insurance policy containing a postconfinement, postacute, or recuperative benefit must clearly label in a separate paragraph of the policy a statement entitled \"limitations or conditions on eligibility for benefits\". Under the statement, the policy must outline any limitations or conditions for benefits.\n(c) A long term care insurance policy or rider that conditions eligibility of noninstitutional benefits on the prior receipt of institutional care must not require a prior institutional stay of more than thirty (30) days.\n(d) A long term care insurance policy or rider that provides benefits only following institutionalization may not condition such benefits upon admission to a facility for the same or related conditions within a period of less than thirty (30) days after discharge from the institution.","path":["TITLE 27. INSURANCE","ARTICLE 8. LIFE, ACCIDENT, AND HEALTH","Chapter 12. Long Term Care Insurance"],"source_url":"https://iga.in.gov/ic/2026/Title_27.html#27-8-12-10.6","current_through":"2026","vintage":"2026","retrieved_at":"2026-09-25T05:39:04Z","sha256":"b93c79774217ca071e0665a2df7bc8c52567ceb7eb8bb4abc26221645efe8703","source_id":"us-in","stale":false,"prev":"us-in/ic-27-8-12-10.5","next":"us-in/ic-27-8-12-11"},"notice":"GroundRules: Original legal text. Not legal advice."}