{"data":{"id":"us-in/ic-27-8-12-11","jurisdiction":"us-in","citation":"IC 27-8-12-11","heading":"Establishment of new waiting period","body":"Sec. 11. (a) A long term care insurance policy may not:\n(1) contain a provision establishing a new waiting period if an existing policy is converted to or replaced by a new form issued by the same insurer, except in the case of an increase in benefits voluntarily selected by the insured individual or group policyholder;\n(2) be canceled, nonrenewed, or otherwise terminated on the grounds of age or the deterioration of the mental or physical health of the insured individual or certificate holder;\n(3) provide coverage for skilled nursing care only; or\n(4) provide significantly more coverage for skilled care than coverage for a lower level of care.\n(b) Subsection (a) does not prohibit an insurer from voluntarily waiving any authorized waiting period.","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#27-8-12-11","current_through":"2026","vintage":"2026","retrieved_at":"2026-09-25T05:39:04Z","sha256":"0391baaedeee3a66b7e6f0dec4f264bb79637d3106058144abb9fe9acd867cc6","source_id":"us-in","stale":false,"prev":"us-in/ic-27-8-12-10.6","next":"us-in/ic-27-8-12-12"},"notice":"GroundRules: Original legal text. Not legal advice."}