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Chapter 62S
Section 62S.05
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Recent History
This is an historical version of this statute chapter. Also view the most recent published version.
62S.05 PREEXISTING CONDITION.
Subdivision 1. Authorized definition. A long-term care insurance policy or certificate, other
than a policy or certificate issued to a group as defined in section 62S.01, subdivision 15, clause
(1), may not use a definition of preexisting condition that is more restrictive than the definition in
this subdivision. "Preexisting condition" means a condition for which medical advice or treatment
was recommended by, or received from a provider of health care services, within six months
before the effective date of coverage of an insured person.
Subd. 2. Prohibited exclusion. A long-term care insurance policy or certificate, other than a
policy or certificate issued to a group as defined in section 62S.01, subdivision 15, clause (1), may
not exclude coverage for a loss or confinement that is the result of a preexisting condition more
than six months following the effective date of coverage of an insured person.
Subd. 3. Underwriting standards. The definition of preexisting condition does not prohibit
an insurer from using an application form designed to elicit the complete health history of an
applicant and, on the basis of the answers on that application, from underwriting according to
that insurer's established underwriting standards. Unless otherwise provided in the policy or
certificate, a preexisting condition, regardless of whether it is disclosed on the application, need
not be covered until the waiting period described in subdivision 2 expires. A long-term care
insurance policy or certificate may not exclude or use waivers of any kind to exclude, limit, or
reduce coverage or benefits for specifically named or described preexisting diseases or physical
conditions beyond the waiting period described in subdivision 2.
Subd. 4. Extension of limitation periods. The commissioner may extend the limitation
periods set forth in subdivisions 1 and 2 as to specific age group categories in specific policy
forms upon finding that the extension is in the best interest of the public.
History: 1997 c 71 art 1 s 5; 1999 c 177 s 60; 2006 c 255 s 36; 2006 c 282 art 17 s 2
Subdivision 1. Authorized definition. A long-term care insurance policy or certificate, other
than a policy or certificate issued to a group as defined in section 62S.01, subdivision 15, clause
(1), may not use a definition of preexisting condition that is more restrictive than the definition in
this subdivision. "Preexisting condition" means a condition for which medical advice or treatment
was recommended by, or received from a provider of health care services, within six months
before the effective date of coverage of an insured person.
Subd. 2. Prohibited exclusion. A long-term care insurance policy or certificate, other than a
policy or certificate issued to a group as defined in section 62S.01, subdivision 15, clause (1), may
not exclude coverage for a loss or confinement that is the result of a preexisting condition more
than six months following the effective date of coverage of an insured person.
Subd. 3. Underwriting standards. The definition of preexisting condition does not prohibit
an insurer from using an application form designed to elicit the complete health history of an
applicant and, on the basis of the answers on that application, from underwriting according to
that insurer's established underwriting standards. Unless otherwise provided in the policy or
certificate, a preexisting condition, regardless of whether it is disclosed on the application, need
not be covered until the waiting period described in subdivision 2 expires. A long-term care
insurance policy or certificate may not exclude or use waivers of any kind to exclude, limit, or
reduce coverage or benefits for specifically named or described preexisting diseases or physical
conditions beyond the waiting period described in subdivision 2.
Subd. 4. Extension of limitation periods. The commissioner may extend the limitation
periods set forth in subdivisions 1 and 2 as to specific age group categories in specific policy
forms upon finding that the extension is in the best interest of the public.
History: 1997 c 71 art 1 s 5; 1999 c 177 s 60; 2006 c 255 s 36; 2006 c 282 art 17 s 2
Official Publication of the State of Minnesota
Revisor of Statutes