Md. Code, Insurance § 18-108
This is the official text of Md. Code, Insurance § 18-108, part of Maryland’s Code, Insurance — regulates insurance companies and the policies they sell.
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§18–108.
Official statutory text
(a) If long-term care benefits are part of a life insurance policy or rider, the carrier shall provide a policy summary at the time of policy delivery.
(b) The policy summary required to be delivered under subsection (a) of this section shall include:
(1) information required to be included in an outline of coverage under § 18-106 of this title;
(2) an explanation of how the long-term care benefits interact with other components of the life insurance policy, including deductions from death benefits;
(3) an illustration of the amount of benefits, length of benefit, and guaranteed lifetime benefits if any, for each covered individual;
(4) any exclusions, reductions, or limitations on benefits of long-term care; and
(5) if applicable to the policy type:
(i) a disclosure of the effects of exercising other rights under the policy;
(ii) a disclosure of guarantees related to long-term care costs of insurance charges; and
(iii) current and projected maximum lifetime benefits.
(b) The policy summary required to be delivered under subsection (a) of this section shall include:
(1) information required to be included in an outline of coverage under § 18-106 of this title;
(2) an explanation of how the long-term care benefits interact with other components of the life insurance policy, including deductions from death benefits;
(3) an illustration of the amount of benefits, length of benefit, and guaranteed lifetime benefits if any, for each covered individual;
(4) any exclusions, reductions, or limitations on benefits of long-term care; and
(5) if applicable to the policy type:
(i) a disclosure of the effects of exercising other rights under the policy;
(ii) a disclosure of guarantees related to long-term care costs of insurance charges; and
(iii) current and projected maximum lifetime benefits.
Status: in_force · Read it on the official government site
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