A long-term care insurance policy may not be delivered or issued for delivery in this state if the policy conditions eligibility for any benefits:
(1) on a prior hospitalization requirement;
(2) provided in an institutional care setting on the receipt of a higher level of institutional care; or
(3) other than waiver of premium, postconfinement, postacute care, or recuperative benefits on a prior institutionalization requirement.
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" the limitations or conditions, including any required number of days of confinement.
(a) A long-term care insurance policy or rider that conditions eligibility of noninstitutional benefits on the prior receipt of institutional care may not require a prior institutional stay of more than 30 days.
(b) A long-term care insurance policy or rider that provides benefits only following institutionalization may not condition the benefits upon admission to a facility for the same or related conditions within a period of less than 30 days after discharge from the institution.
Official Publication of the State of Minnesota
Revisor of Statutes