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(a) A benefit recipient may change long-term care insurance coverage from joint coverage to individual coverage at any time. Once joint coverage has been discontinued, it may only be reelected in accordance with (b) of this section.
(b) A benefit recipient may change from individual long-term care insurance coverage to joint coverage only when the benefit recipient marries. A spouse who wants coverage shall complete a health statement and will be subject to approval or denial by the long-term care insurance carrier.
(c) An application for a change in long-term care insurance coverage from individual to joint coverage or from joint to individual coverage must be submitted in writing and is subject to verification by the administrator. Application for a change from individual coverage to joint coverage must be made within 120 days after the marriage of the benefit recipient. A change in coverage based on an application that is postmarked or received on or before the 15th day of a month will be effective on the first day of the next calendar month. A change in coverage based on an application that is postmarked or received after the 15th day of a month will be effective no later than the first day of the second month after the date of postmark or receipt of the application. Retroactive adjustments of premiums will be made if necessary.
History: Eff. 11/12/86; Register 100; am 5/31/87, Register 102; am 1/29/89, Register 109; am 5/11/90, Register 114; am 2/1/93, Register 125
Authority: AS 39.30.090
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Last modified 7/05/2006