{"data":{"id":"us-nj/n.j.-stat.-17b-27e-8","jurisdiction":"us-nj","citation":"N.J. Stat. § 17B:27E-8","heading":"Conditions for delivery, issuance of policy","body":"8.  a.  Except as provided in subsection b. of this section, a long-term care insurance policy shall not be delivered or issued for delivery in this State unless the policyholder or certificate holder has been offered the option of purchasing a policy or certificate including a nonforfeiture benefit. The offer of a nonforfeiture benefit may be in the form of a rider that is attached to the policy.  If 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.\nb.\tWhen a group long-term care insurance policy is issued, the offer required in subsection a. of this section shall be made to the group policyholder.\nL.2003,c.207,s.8.","path":["TITLE 17B INSURANCE"],"source_url":"https://pub.njleg.state.nj.us/statutes/STATUTES-TEXT.zip","current_through":"P.L.2025, c.405, and J.R.22","vintage":"","retrieved_at":"2026-08-27T17:54:13Z","sha256":"f8bf8ee3d23b783fe575842474a22cbac20f0d2aa100c9448cd20cedca6ef5ce","source_id":"us-nj","stale":true,"prev":"us-nj/n.j.-stat.-17b-27e-7","next":"us-nj/n.j.-stat.-17b-27e-9"},"notice":"GroundRules: Original legal text. Not legal advice."}