69O-157.017. Prior Institutionalization

(1) No contract issued as a long-term care insurance policy shall condition any benefits upon prior institutionalization for a total period of time longer than three days. (2) If a contract provides benefits only following institutionalization of three days, or less, then benefits may not be conditioned upon admission to a facility for the same or related condition within a period of less than 30 days after discharge from the prior institution. (3) An entity that advertises, markets, or solicits long-term care coverage in this state which provides benefits only following institutionalization shall also offer to each policyholder, as part of the application, a contract which does not require prior institutionalization as a condition to any benefit.