{"data":{"id":"us-nd/n.d.-cent.-code-26.1-45-07","jurisdiction":"us-nd","citation":"N.D. Cent. Code § 26.1-45-07","heading":"Prior institutionalization requirement prohibited","body":"1.No long-term care insurance policy or certificate may be delivered or issued for delivery in this state if such policy:\na.Conditions eligibility for any benefits on a prior hospitalization requirement.\nb.Conditions eligibility for benefits provided in an institutional care setting on the receipt of a higher level of such institutional care.\nc.Conditions eligibility for any benefits other than waiver of premium, postconfinement, postacute care, or recuperative benefits on a prior institutionalization requirement.\n2.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.\nb.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.\n3.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.","path":["Title 26.1 Insurance","Chapter 26.1-45 Long-Term Care Insurance"],"source_url":"https://ndlegis.gov/cencode/t26-1c45.pdf","current_through":"2026-07-31T11:12:02","vintage":"","retrieved_at":"2026-09-02T21:04:14Z","sha256":"df3a4fbc664f9a8ea0ad65640b24947277ea1d79df0fa346ad540e5eb99318d6","source_id":"us-nd","stale":true,"prev":"us-nd/n.d.-cent.-code-26.1-45-06","next":"us-nd/n.d.-cent.-code-26.1-45-07.1"},"notice":"GroundRules: Original legal text. Not legal advice."}