| GENERAL PROVISIONS |
| NAC 687B.0002. Definitions. |
| NAC 687B.0005. “Commissioner” defined. |
| NAC 687B.001. “Division” defined. |
| NAC 687B.004. Procedures for filing certain forms and paying certain fees. |
| CONTRACTS FOR LONG-TERM CARE |
| NAC 687B.005. Definitions. |
| NAC 687B.010. “Applicant” defined. |
| NAC 687B.012. “Basis for continuation of coverage” defined. |
| NAC 687B.013. “Basis for conversion of coverage” defined. |
| NAC 687B.015. “Certificate” defined. |
| NAC 687B.019. “Converted policy” defined. |
| NAC 687B.021. “Exceptional increase” defined. |
| NAC 687B.025. “Group long-term care insurance” defined. |
| NAC 687B.030. “Long-term care insurance” defined. |
| NAC 687B.0303. “Long-term care insurance contract” defined. |
| NAC 687B.0306. “Partnership certificate” defined. |
| NAC 687B.0309. “Partnership policy” defined. |
| NAC 687B.033. “Qualified actuary” defined. |
| NAC 687B.0332. “Qualified long-term care insurance contract” or “federally tax-qualified long-term care insurance contract” defined. |
| NAC 687B.0335. “Qualified state long-term care insurance partnership contract” or “partnership contract” defined. |
| NAC 687B.034. “Similar long-term care insurance contract forms” defined. |
| NAC 687B.0342. “Similar organization” defined. |
| NAC 687B.035. Scope. |
| NAC 687B.040. Compliance required. |
| NAC 687B.045. Modification or suspension of provisions. |
| NAC 687B.050. Organizational requirements. |
| NAC 687B.051. Licensing and training requirements. |
| NAC 687B.052. Required reports. |
| NAC 687B.053. Compensation to producers for sale, renewal or replacement of contract or certificate. |
| NAC 687B.054. Producer not authorized to sell, solicit or negotiate except as authorized by certain statutes. |
| NAC 687B.055. Contracts issued in other states. |
| NAC 687B.056. Standards of suitability: Development; use. |
| NAC 687B.0565. Standards of suitability: Procedure when applicant does not meet standards or declines to provide information. |
| NAC 687B.057. Standards of suitability: Annual report to Commissioner. |
| NAC 687B.0575. Standards of suitability: Insurer to provide form regarding long-term care insurance. |
| NAC 687B.058. Partnership program notice. |
| NAC 687B.0585. Required disclosures regarding rate revisions. |
| NAC 687B.059. Insurer to submit disclosures regarding rate revisions and actuarial certification to Commissioner for approval. |
| NAC 687B.060. Right to return individual contracts or certificates; notice of right. |
| NAC 687B.0655. Requirements for long-term care insurance sold in conjunction with another insurance product. |
| NAC 687B.066. Provision for reinstatement in event of lapse of coverage. |
| NAC 687B.067. Applications: Questions; required statements; required information for applicants 80 years of age or older. |
| NAC 687B.068. Right to copy of application or enrollment form. |
| NAC 687B.0681. Designation of person to receive notice of lapse or termination of coverage. |
| NAC 687B.0682. Verification of enrollment in group policy; satisfaction of any requirement for signature of insured. |
| NAC 687B.0683. Delivery of contract or certificate. |
| NAC 687B.0684. Delivery of policy summary or contract summary. |
| NAC 687B.0685. Offer of nonforfeiture benefit required. |
| NAC 687B.0686. Requirements for nonforfeiture benefits; contingent benefit upon lapse. |
| NAC 687B.0687. Applicability of provisions regarding nonforfeiture benefits and contingent benefit upon lapse. |
| NAC 687B.0689. Rescission or denial of claim upon showing of misrepresentation material to acceptance for coverage; field issuance of contract or certificate. |
| NAC 687B.069. Record of rescissions. |
| NAC 687B.070. Certificate of insurance: Contents. |
| NAC 687B.075. Outline of coverage: Format; delivery; contents. |
| NAC 687B.076. Offer to purchase protection from inflation required. |
| NAC 687B.077. Requirements for marketing. |
| NAC 687B.0775. Approval of advertisement by Commissioner. |
| NAC 687B.078. Restriction on use of certain terms in marketing. |
| NAC 687B.079. Prohibition of certain marketing practices. |
| NAC 687B.080. Definition of terms in contracts. |
| NAC 687B.081. Notification of availability of new series of contracts. |
| NAC 687B.082. Notification regarding partnership status. |
| NAC 687B.0825. Activities of daily living and cognitive impairment to be used to measure needs of insured and to be described in contract or certificate; benefit triggers. |
| NAC 687B.083. Contract or certificate to condition payment of benefits on insured’s ability to perform daily activities and cognitive impairment. |
| NAC 687B.084. Requirements relating to qualified long-term care insurance contract. |
| NAC 687B.0845. Required statement as to whether contract intended to be qualified long-term care insurance contract under federal provisions. |
| NAC 687B.085. Terms for renewal of contracts. |
| NAC 687B.090. Exclusions from and limitations on coverage. |
| NAC 687B.095. Extension of benefits; continuation or conversion of coverage. |
| NAC 687B.100. Required disclosures. |
| NAC 687B.105. Prohibited provisions. |
| NAC 687B.106. Required provisions for reducing coverage and lowering premium; notice. |
| NAC 687B.1065. Insurer to file for approval any increase in a premium rate schedule for certain contracts. |
| NAC 687B.107. Insurer to request approval of any increase in premium rate schedule for contracts and certificates issued on or after October 1, 2011. |
| NAC 687B.1075. Exceptional increases. |
| NAC 687B.108. Prohibited increases in premiums. |
| NAC 687B.111. Coverage for preexisting conditions. |
| NAC 687B.112. Monthly report to certain insureds. |
| NAC 687B.113. Delivery of shopper’s guide to long-term care insurance. |
| NAC 687B.114. Responsibilities of professional, trade or occupational association which endorses or sells contracts or certificates to members. |
| NAC 687B.115. Filing and certification requirements for insurer issuing contract or certificate to professional, trade or occupational association. |
| NAC 687B.116. Limitations on conditioning of benefits. |
| NAC 687B.117. Restrictions on limitation or exclusion of benefits. |
| NAC 687B.118. Statement of limitations or conditions upon receipt of benefits. |
| NAC 687B.1185. Requirements for denied claims. |
| NAC 687B.119. Required reserves for policy, rider or endorsement. |
| NAC 687B.121. Evaluation of expected loss ratio. |
| NAC 687B.122. General requirements for converted policy. |
| NAC 687B.125. Replacement of contract: Questions on applications. |
| NAC 687B.127. Replacement of contract or certificate: Waiver of time applicable to preexisting conditions and probationary period; notice to existing insurer. |
| NAC 687B.130. Replacement of contract: Notice from insurer not using direct-response solicitation. |
| NAC 687B.135. Replacement of policy: Notice from insurer using direct-response solicitation. |
| NAC 687B.140. Replacement of contract: Restrictions concerning group policies for long-term care. |
| POLICIES SUPPLEMENTARY TO MEDICARE |
| General Provisions |
| Standardized Benefit Plans |
| Medicare Select Policies and Certificates |
| REQUIREMENTS FOR DELIVERY |
| NAC 687B.405. Delivery of certificates to policyholder of group insurance. |
| NAC 687B.415. Delivery of other policies, memoranda or certificates of insurance. |
| CANCELLATION OF POLICIES |
| NAC 687B.520. Refunds to third parties. |
| NAC 687B.530. Notice to agent. |
| NOTICE OF TERMINATION TO EMPLOYEE LEASING COMPANIES |
| NAC 687B.550. Definitions. |
| NAC 687B.552. “Client company” defined. |
| NAC 687B.554. “Employee leasing company” defined. |
| NAC 687B.556. “Health maintenance organization” defined. |
| NAC 687B.558. “Insurer” defined. |
| NAC 687B.560. “Producer of insurance” defined. |
| NAC 687B.562. Disclosure of names and addresses of client companies; confidentiality. |
| NAC 687B.564. Notice of cancellation or failure to renew policy or contract. |
| MISCELLANEOUS POLICIES |
| NAC 687B.610. Vendor single interest policies: Marking. |
| NAC 687B.620. Multiple line packages. |
| NAC 687B.630. Health policy, contract or plan that includes grace period for payment of premiums. |
| NAC 687B.640. Medical examination required by insurer; standard set of criteria to be applied consistently to each insured. |
| POLICIES THAT DUPLICATE BENEFITS PROVIDED UNDER MEDICARE |
| NAC 687B.700. Notice of duplication for policy which provides reimbursement upon both expense-incurred and fixed-indemnity basis. |
| NAC 687B.706. Notice of duplication for certain policies which provide reimbursement in fixed dollar amounts per day. |
| NAC 687B.711. Notice of duplication for policy which provides reimbursement in fixed dollar amounts for specified diseases or other specified impairments. |
| NAC 687B.716. Notice of duplication for policy which provides reimbursement for expenses incurred for accidental injury only. |
| NAC 687B.720. Notice of duplication for policy which provides reimbursement for expenses incurred for specified diseases and other specified impairments. |
| NAC 687B.725. Notice of duplication for policy which provides reimbursement for expenses incurred for specified limited services. |
| NAC 687B.730. Notice of duplication for policy not described in NAC 687B.700 to 687B.725, inclusive. |
| NAC 687B.735. Payment of benefits that are covered under other policies. |
| POLICIES OF LIABILITY INSURANCE |
| NAC 687B.800. Policy sold by short-term lessor of motor vehicle: Deemed primary coverage; filing requirements. |
| POLICIES OF MOTOR VEHICLE INSURANCE |
| NAC 687B.850. Chargeable accidents: Restrictions on authority of insurer; filing and use of definition. |