{"data":{"id":"us-ma/mass.-gen.-laws-ch.-176u-5","jurisdiction":"us-ma","citation":"Mass. Gen. Laws ch. 176U, § 5","heading":"Nonforfeiture benefits","body":"Section 5. (a) Except as provided in subsection (b), a long-term care insurance policy shall not be delivered or issued for delivery in the commonwealth unless the policyholder or certificate holder has been offered the option of purchasing a policy or certificate that includes a nonforfeiture benefit. The offer of a nonforfeiture benefit may be in the form of a rider that is attached to the policy. In the event the policyholder or certificate holder declines the nonforfeiture benefit, the insurer shall provide a contingent benefit upon lapse that shall be available for a specified period of time following a substantial increase in premium rates.\n(b) When a group long-term care insurance policy is issued, the offer required in subsection (a) shall be made to the group policyholder. If the policy is issued as group long-term care insurance to a group defined in clause (4) of the definition of group long-term care insurance, other than to a continuing care retirement community or other similar entity, the offer shall be made to each proposed certificate holder.","path":["Part I","Title XXII","Chapter 176U"],"source_url":"https://malegislature.gov/Laws/GeneralLaws/PartI/TitleXXII/Chapter176U/Section5","current_through":"amendments passed before May 31, 2026","vintage":"","retrieved_at":"2026-09-17T05:24:20Z","sha256":"c16eb9bb2fa3ce8dbb6e2f9e16a554353ba6cda80de60966b44fe4ed9dbbcceb","source_id":"us-ma","stale":false,"prev":"us-ma/mass.-gen.-laws-ch.-176u-4","next":"us-ma/mass.-gen.-laws-ch.-176u-6"},"notice":"GroundRules: Original legal text. Not legal advice."}