CODE OF VIRGINIA

PROHIBITED PROVISIONS (§ 38.2-5203)

No long-term care insurance policy may:

   1.  Be cancelled, nonrenewed, or otherwise terminated on the grounds of the
   age or the deterioration of the mental or physical health of the insured
   individual or certificateholder;

   2.  Contain a provision establishing any new waiting period in the event
   existing coverage is converted to or replaced by a new or other form within
   the same company, except with respect to an increase in benefits voluntarily
   selected by the insured individual or group policyholder;

   3.  Provide coverage for skilled nursing care only or provide significantly
   more coverage for skilled care in a facility than coverage for lower levels of
   care;

   4.  Be issued based on medical or health status when the policy is issued by
   an agent or third-party administrator pursuant to the underwriting authority
   granted to the agent or third-party administrator by the insurer; or

   5.  Provide that an insurer who has paid benefits under a long-term care
   insurance policy or certificate may recover the benefit payments in the event
   that the policy or certificate is rescinded.

HISTORY: 1987, c. 586; 1990, c. 285; 2000, c. 559.