North Dakota Long-Term Care laws & HR compliance analysis

North Dakota Long-Term Care: What you need to know

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.
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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).
The North Dakota Long-Term Care Partnership Program provides asset protections to purchasers of qualified long-term care insurance policies covered by the program. The asset eligibility and recovery provisions of the state Medicaid program are modified by disregarding assets equal to the insurance benefits received from Partnership Policies. For more information on the program, visit
For additional information, visit the North Dakota Insurance Department's website at i
Last reviewed on March 20, 2017.

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North Dakota Long-Term Care Resources

Type Title
Policies Elder Care Policy (Standard)
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