On Apr. 9, ND LEG enacted bill defining terms for long-term care.
ND LEG enacted bill re long-term care insurance policy terms and claim payments.
Adds section under ND INS 26.1-45, Defined term requirements - claim payments.
Bill Provisions
A long-term care insurance policy in ND must clearly define specific terms if used.
Specifies what qualifies as activities of daily living; specifies cognitive impairment.
Insurers must provide a copy of the policy to the insured within 30 days of a request.
Policies cannot deny or delay benefits to licensed basic care facility if insured qualifies for medically necessary services or cognitive impairment needing constant supervision.
Or if the insured cannot perform at least two activities of daily living without help.
Legislative History
On Jan. 13, 2025, bill introduced in Senate; on Jan. 22, 2025, bill passed in Senate.
On Jan. 23, 2025, bill delivered to House; on Mar. 24, 2025, bill was passed in House.
On Apr. 2, 2025 Senate concurred House; on Apr. 4, 2025, bill delivered to governor.
On Apr. 8, 2025, bill signed by governor; on Apr. 9, 2025, filed with Secretary of State.
Effectiveness
Bills without effective dates become effective on Aug. 1, unless they are appropriations or tax bills, which case they become effective on Jul. 1, so effective on Aug. 1, 2025.
