<?xml version='1.0' encoding='utf-8'?>
<section article="gin" article_name="Insurance" number="18-108" title_number="18" title_name="Long-Term Care Insurance" subtitle_number="1">
  <level label="a">
    <text>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.</text>
  </level>
  <level label="b">
    <text>The policy summary required to be delivered under subsection (a) of this section shall include:</text>
    <level label="1">
      <text>information required to be included in an outline of coverage under § 18-106 of this title;</text>
    </level>
    <level label="2">
      <text>an explanation of how the long-term care benefits interact with other components of the life insurance policy, including deductions from death benefits;</text>
    </level>
    <level label="3">
      <text>an illustration of the amount of benefits, length of benefit, and guaranteed lifetime benefits if any, for each covered individual;</text>
    </level>
    <level label="4">
      <text>any exclusions, reductions, or limitations on benefits of long-term care; and</text>
    </level>
    <level label="5">
      <text>if applicable to the policy type:</text>
      <level label="i">
        <text>a disclosure of the effects of exercising other rights under the policy;</text>
      </level>
      <level label="ii">
        <text>a disclosure of guarantees related to long-term care costs of insurance charges; and</text>
      </level>
      <level label="iii">
        <text>current and projected maximum lifetime benefits.</text>
      </level>
    </level>
  </level>
</section>
