# Insurance (GIN)

## Title 18. Long-Term Care Insurance

### Subtitle 1

#### Section 18-108

(a) If long-term care benefits are part of a life insurance policy or rider, the carrier shall provide a policy summary at the time of policy delivery.

(b) The policy summary required to be delivered under subsection (a) of this section shall include:

  (1) information required to be included in an outline of coverage under Sec. 18-106 of this title;

  (2) an explanation of how the long-term care benefits interact with other components of the life insurance policy, including deductions from death benefits;

  (3) an illustration of the amount of benefits, length of benefit, and guaranteed lifetime benefits if any, for each covered individual;

  (4) any exclusions, reductions, or limitations on benefits of long-term care; and

  (5) if applicable to the policy type:

    (i) a disclosure of the effects of exercising other rights under the policy;

    (ii) a disclosure of guarantees related to long-term care costs of insurance charges; and

    (iii) current and projected maximum lifetime benefits.

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