INSURANCE,CODE,DIVISION 2,CLASSES,ENACTED,DISABILITY INSURANCE,CHAPTER,LONG TERM CARE INSURANCE,ARTICLE,IMPLEMENTATION,EXCEPT,SECTION,POLICIES,DELIVERY,STATE,AFTER JANUARY,EFFECTIVE,JANUARY 1,POLICY,SHALL,TERMS,FORTH,BELOW,UNLESS,DEFINED,DEFINITIONS,SATISFY,REQUIREMENTS,MEDICARE,THE HEALTH INSURANCE,AGED,XVIII,SOCIAL SECURITY AMENDMENTS OF,PUBLIC LAW,89TH CONGRESS,THE UNITED STATES OF,AMERICA,POPULARLY,AMENDMENTS,WORDS,SIMILAR,IMPORT,NURSING CARE,CARE HOME,HEALTH CARE,RELATION,LEVEL,SKILL,NATURE,CARE,SETTING,C,PROVIDERS,LIMITED,SKILLED NURSING FACILITIES,INTERMEDIATE CARE FACILITIES,HEALTH,THE SERVICES,AVAILABLE,LICENSURE,DEGREE,STATUS,SUPERVISING,THE DEFINITION,PROVIDER,LICENSED,JANUARY 1 2000,NO POLICY,LIMITS,COVERAGE,TYPE,ILLNESS,MEDICAL CONDITION,ACCIDENT,CONDITIONS,DISEASES,ALCOHOLISM,DRUG ADDICTION,WAR,ACT OF WAR,WHETHER,UNDECLARED,PARTICIPATION,FELONY,RIOT,SERVICE,THE ARMED FORCES,UNITS,AUXILIARY,SUICIDE,PERSON,MENTAL CAPACITY,CONTROL,ATTEMPTED SUICIDE,INTENTIONALLY,SELF INFLICTED INJURY,AVIATION,CAPACITY,FARE,PASSENGER,GOVERNMENT,FACILITY,BY LAW,BENEFITS,GOVERNMENTAL,MEDI,MEDICAID,FEDERAL,WORKERS COMPENSATION,EMPLOYERS LIABILITY,OCCUPATIONAL DISEASE,LAW,MOTOR VEHICLE,FAULT,MEMBER,PERSONS,IMMEDIATE FAMILY,NO CHARGE,NORMALLY,MADE IN,THE ABSENCE,LIMITATIONS,TERRITORIAL,REPORT,JUNE 30,TOTAL,NUMBER,CLAIMS,DENIED,CLASS,BUSINESS,THE STATE,FAILURE,MEET,WAITING PERIOD,PREEXISTING CONDITION,AS OF,THE END,CALENDAR YEAR,CERTIFICATE,HOLDER,WHOSE,CLAIM,WRITTEN,NOTICE,40 DAYS,DATE,DENIAL,REASONS,THE DENIAL,INFORMATION,RELATED,INSURERS,THE DEPARTMENT,THE PUBLIC,REQUEST,RATE,OCTOBER 6,ALTERNATE,PLAN,PROVISION,CANNOT,EXPLANATION,REASON,REASONS WHY,THE AGREEMENT,REACHED,DAYS,AGREEMENT,TERMINATION,WITHOUT PREJUDICE,PAYABLE,INSTITUTIONALIZATION,FORCE,INTERRUPTION,BEYOND,PERIOD,DURATION,BENEFIT PERIOD,PAYMENT,MAXIMUM,SUBJECT TO,PROVISIONS,RENEWABILITY,APPEAR,PAGE,DISCLOSE,TERM,TERMS AND CONDITIONS,ISSUER,THE RIGHT,CHANGE,PREMIUM,RIGHT,DESCRIBE,CIRCUMSTANCE,RIDERS,WRITING,ISSUE,OR AT,REINSTATEMENT,RENEWAL,REDUCE,SIGNED,ACCEPTANCE,RIDER,ENDORSEMENT,CONCOMITANT,INCREASE,CONNECTION,CHARGE,WITH RESPECT TO,PARAGRAPH,DESCRIPTION,CONFINEMENT,LABEL,CH 113,APPLICATION,QUESTION,REPLACE,SUPPLEMENTARY,APPLICANT,DETERMINING,INVOLVE,DIRECT RESPONSE,SOLICITATION,AGENT,PRIOR,ISSUANCE,LONG TERM CARE,RETAINED,YOUR,LAPSE,TERMINATE,EXISTING,COMPANY,NAME,INSURANCE COMPANY,THIRTY,30 DAYS,DECIDE,COST,DESIRE,KEEP,PROTECTION,SHOULD,AWARE,CONSIDER,CERTAIN,FACTORS,AFFECT,TO YOU,IMMEDIATELY,FULLY,IN DENIAL,DELAY,MIGHT,PRESENT,WISH,THE ADVICE,PROPOSED REPLACEMENT OF,THIS IS NOT,BEST INTEREST,SURE,UNDERSTAND,RELEVANT,INVOLVED,CONSIDERATION,ANSWER,QUESTIONS,MEDICAL,HEALTH HISTORY,MATERIAL,BASIS,DENY,FUTURE,NEVER,SIGN,REREAD,THE INFORMATION,ABOVE,SIGNATURE,GROUP,RETURN,THE REPLACEMENT,STATEMENT,GROUP INSURANCE,SUBDIVISION,COMPARISON,CURRENT,THE BEST OF,TRANSACTION,IMPROVES,POSITION,PLEASE,FEWER,COMMISSIONER,DEFINE,LONG TERM CARE INSURANCE IN,CONSULTATION,PARTIES,ONLY IF,ATTACHED,READ,CAUSE,VALID CLAIM,CHECK,WRITE,ADDRESS,COMPLETE,PAST MEDICAL HISTORY,LEFT OUT,FINDINGS,SUBDIVISIONS,WAIVER,BE IN,THE BEST,INTEREST,UNDERLYING,EFFECTIVELY,NECESSARY,DEVELOPMENT OF,INNOVATIVE,REASONABLE,APPROACH,INSURING,CONTINUING CARE RETIREMENT,COMMUNITY,RESIDENTIAL COMMUNITY,ELDERLY,SPECIAL NEEDS,PERMIT,SOLD,CONJUNCTION,INSURANCE PRODUCT,CONDITION,COMPLIANCE,ALTERNATIVE,OFFERS,OPTION,PURCHASE,BENEFIT,FEATURES,BEGINS,PAYMENTS,LIFETIME,LESS THAN,THE DOLLAR,EQUIVALENT,MONTHS,NURSING FACILITY,PER DIEM,AMOUNT,PAID,WHICHEVER,GREATER,REDUCED,ALREADY,CASH,APPLY,TO LIFE,INSURANCE POLICIES,ACCELERATE,NOTWITHSTANDING,ADMINISTRATION,CONTINGENT,SECTION 28,MODEL,REGULATION,PROMULGATED,THE NATIONAL ASSOCIATION OF,COMMISSIONERS,IN SEPTEMBER,ACKNOWLEDGMENT,ADJUSTMENT,BLOCK,NOTIFY,IMPLEMENTATION OF,FILES,MECHANISM,FILED,LIEU,MAIL,ELECTION,ELECT,DESIGNATION,LISTING,TELEPHONE NUMBER,ADDITION,THE ANNUAL,CONFIRMATION,PREVIOUSLY,DESIGNATED,DESIGNATE,ONE PERSON,MYSELF,ANNUAL,NOTIFICATION,THE ELECTION,OR 2,FIRST CLASS,UNITED STATES MAIL,POSTAGE,AVAILABILITY,CALCULATED,UP TO,WHICH THAT,INDIVIDUALS,HOLD,EFFECTIVE DATE,SEND,JULY 1,PROPER,MAILING,90 DAYS,UNINTENDED,LESS,ONCE,PAYS,PAYROLL,PENSION,DEDUCTION,NEED,LONGER,ENROLLMENT,TERMINATED,THE LAPSE,THE EVENT,PROOF,COGNITIVE IMPAIRMENT,THE LOSS,FUNCTIONAL CAPACITY,THE COLLECTION,PAST,THE STANDARD,LOSS,BE MORE,STRINGENT,RIGHTS,THE FIRST YEAR,RETAIN,LOWERING,THE HOME,HOME CARE,COMPREHENSIVE,CONVERTING,FOR SALE,THE AGE,PREMIUM RATE,THE ORIGINAL,THE CONTRACT,REDUCTION,ANTICIPATED,COSTS,DAILY,WEEKLY,MONTHLY,MANNER,ABOUT TO,OPTIONS,UNDERWRITING,ANNIVERSARY,EXTRA,COMMUNITY BASED CARE,THE RIDERS,ATTAINED,CHANGED,CONTINUE,UNDERGO,QUALIFY,AGGREGATE,ACQUIRE,MAXIMUM AGE,NEW POLICIES,GRANT,ELIMINATION,AVAILABLE FOR SALE,FILE,SAME TIME,ADDING,ACCORDANCE,CASE,NO MORE,RESTRICTIVE,GROUP POLICY,THE GROUP,THE OPPORTUNITY,DECLINES,ISSUERS,MEANS,CHANGES,STRUCTURE,MINOR,PERIODS,NATIONAL,PROGRAM,PUBLIC FUNDING,ENTITLED,SELECT,ACTUARIAL,METHOD,REDUCTIONS,EXTENT,DUPLICATION,EX