# Insurance (GIN)

## Title 18. Long-Term Care Insurance

### Subtitle 1

#### Section 18-105

Before issuing a policy of long-term care insurance to an applicant who is at least 80 years old, unless the policy is guaranteed issue, the carrier shall obtain:

(1) a report of a physical examination;

(2) an assessment of functional capacity; or

(3) copies of medical records.

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Md. Code Ann., Ins. (as displayed at mgaleg.maryland.gov, October 16, 2026)