Employers have no obligation under Maryland 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 limit or exclude coverage for the following:
• Preexisting conditions or diseases;
• Mental or nervous conditions or diseases, other than Alzheimer's disease;
• Alcohol or drug addiction;
• Illness, treatment, or medical condition arising out of war or act of war (whether declared or undeclared); participation in a felony, riot, or insurrection; service in the armed forces; suicide, attempted suicide, or an intentionally self-inflicted injury; or aviation activity as a non-fare-paying passenger;
• Treatment provided in a government facility (unless otherwise provided by law);
• Services for which benefits are available under Medicare or other governmental programs (except Medicaid) or under a state or federal workers' compensation, employer's liability, or occupational disease law;
• Services provided by a member of the insured's immediate family; or
• Services for which a charge normally is not made in the absence of insurance (MD Insurance Code Ann. Sec. 18-109).
Preexisting condition limitations in long-term care insurance policies may not exclude coverage for more than 6 months after the effective date of coverage under the policy. A "preexisting condition" means a condition for which medical advice or treatment was recommended by or received from a healthcare services provider within 6 months before the effective date of coverage (COMAR 31.14.01.04 and MD Insurance Code Ann. Sec. ...