The commissioner may adopt rules that may permit or include: (1) the increase of benefits over time; (2) standards for full and fair disclosure of the manner, content, and required disclosures for the sale of long-term care insurance policies; (3) terms of renewability; (4) initial and subsequent conditions of eligibility; (5) nonduplication of coverage provisions; (6) coverage of dependents; (7) termination of coverage; (8) continuation or conversion; (9) probationary periods; (10) limitations, exceptions, and reductions of coverage; (11) preexisting conditions; (12) elimination and waiting periods; (13) requirements for replacement; (14) recurrent conditions; (15) definition of terms; (16) loss ratio requirements; (17) post claim underwriting; (18) waiver of premium; (19) independent review of benefit determinations; (20) inflation protection benefits; and (21) premium rate filing and review.
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