Before issuing a policy of long-term care insurance to an applicant who is at least 80 years old, unless the policy is guaranteed issue, the carrier shall obtain:
(1) a report of a physical examination;
(2) an assessment of functional capacity; or
(3) copies of medical records.
Structure Maryland Statutes
Title 18 - Long-Term Care Insurance
Section 18-103 - Compliance With Title Required; Advertising; Marketing
Section 18-104 - Questions in Applications
Section 18-105 - Applicants at Least 80 Years Old
Section 18-106 - Outline of Coverage and Buyer's Guide
Section 18-107 - Contents of Certificates
Section 18-108 - Summaries of Long-Term Care Benefits in Life Insurance Policies
Section 18-109 - Policy Limitations and Exclusions -- in General
Section 18-110 - Policy Limitations and Exclusions -- Home Health Care Services
Section 18-111 - Policy Limitations and Exclusions -- Alzheimer's Disease
Section 18-112 - Continuation of Coverage or Conversion of Policies
Section 18-113 - Replacement Policies
Section 18-114 - Inflation Protection Option
Section 18-115 - Evaluating Expected and Actual Loss Ratios
Section 18-116 - Increases to Premiums
Section 18-116.1 - Contingent Benefit Upon Lapse
Section 18-117 - Reports About Benefits Funded by Acceleration of Death Benefits
Section 18-118 - Cancellation, Refusal to Renew, or Termination of Policies