Employers have no obligation under North Dakota law to offer long-term care insurance to their employees. However, if long-term care insurance is among the benefits offered, certain state law requirements limit how the plan may be designed.
Long-term care insurance policies may not exclude coverage for a loss or confinement that is the result of a preexisting condition unless the loss or confinement begins within six months following the effective date of coverage of an insured person (ND Cent. Code Sec. 26.1-45-06).
Group long-term care insurance issued in North Dakota must provide covered individuals with a basis for continuation or conversion of coverage (ND Admin. Code Sec. 45-06-05-04).
A long-term care insurance policy that conditions eligibility for noninstitutional benefits on the prior receipt of institutional care may not require a prior institutional stay of more than 30 days (ND Cent. Code Sec. 26.1-45-07).