Indiana § 27-8-12-10.6 Conditions on eligibility for benefits; restrictions

Indiana Statutes

§ 27-8-12-10.6 — Conditions on eligibility for benefits; restrictions

Indiana § 27-8-12-10.6

Title 27INSURANCE

Art. 8LIFE, ACCIDENT, AND HEALTH

Ch. 12Long Term Care Insurance

This text of Indiana § 27-8-12-10.6 (Conditions on eligibility for benefits; restrictions) is published on Counsel Stack Legal Research, covering Indiana primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook

Ind. Code § 27-8-12-10.6 (2026).

Text

6.

(a)A long term care insurance policy may not be delivered or issued for delivery in Indiana if the policy:

(1)conditions eligibility for any benefits on a prior hospitalization requirement;

(2)conditions eligibility for benefits provided in an institutional care setting on the receipt of a higher level of institutional care; or

(3)conditions eligibility for a benefit other than:

(A)a waiver of premium;

(B)postconfinement;

(C)postacute care; or

(D)recuperative benefits; on a prior institutionalization requirement.

(b)A long term care insurance policy containing a postconfinement, postacute, or recuperative benefit must clearly label in a separate paragraph of the policy a statement entitled "limitations or conditions on eligibility for benefits". Under the statement, the policy

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6. (a) A long term care insurance policy
may not be delivered or issued for delivery in Indiana if the policy:
(1) conditions eligibility for any benefits on a prior hospitalization
requirement;
(2) conditions eligibility for benefits provided in an institutional
care setting on the receipt of a higher level of institutional care;
or
(3) conditions eligibility for a benefit other than:
(A) a waiver of premium;
(B) postconfinement;
(C) postacute care; or
(D) recuperative benefits;
on a prior institutionalization requirement.
(b) A long term care insurance policy containing a postconfinement,
postacute, or recuperative benefit must clearly label in a separate
paragraph of the policy a statement entitled "limitations or conditions
on eligibility for benefits". Under the statement, the policy must outline
any limitations or conditions for benefits.
(c) A long term care insurance policy or rider that conditions
eligibility of noninstitutional benefits on the prior receipt of
institutional care must not require a prior institutional stay of more than
thirty (30) days.
(d) A long term care insurance policy or rider that provides benefits
only following institutionalization may not condition such benefits
upon admission to a facility for the same or related conditions within
a period of less than thirty (30) days after discharge from the
institution.