Terms Used In Michigan Laws 500.3915

  • Long-term care insurance: means an individual or group insurance policy, certificate, or rider advertised, marketed, offered, or designed to provide coverage for at least 12 consecutive months for each covered person on an expense-incurred, indemnity, prepaid, or other basis for 1 or more necessary or medically necessary diagnostic, preventive, therapeutic, rehabilitative, maintenance, personal, or custodial care services provided in a setting, including an assisted living facility operating legally in this state, but not including an acute care unit of a hospital. See Michigan Laws 500.3901
  • Policy: means an insurance policy or certificate, rider, or endorsement delivered or issued for delivery in this state by an insurer or subsidiary of a nonprofit health care corporation. See Michigan Laws 500.3901
  A long-term care insurance policy sold before, on, or after June 2, 1992 shall not condition benefits on any of the following:
  (a) The prior institutionalization of the insured.
  (b) Prior receipt of a higher level of institutional care.

  Previous section
Next section  
 Chapter 39 Contents