D.C. Mun. Regs. tit. 26, r. 26-A2620
This section shall not apply to life insurance policies that accelerate benefits for long-term care,
Every insurer, health care service plan or other entity marketing long-term care insurance (the "issuer") shall perform the following:
To determine whether the applicant meets the standards developed by the issuer, the agent and issuer shall develop procedures that take the following into consideration:
The issuer, and where an agent is involved, the agent shall make reasonable efforts to obtain the information set out in subsection 2620.3 above. The efforts shall include presentation to the applicant, at or prior to application, the "Long-Term Care Insurance Personal Worksheet." The personal worksheet used by the issuer shall contain, at a minimum, the information in the format contained in Appendix B, in not less than twelve (12) point type. The issuer may request the applicant to provide additional information to comply with its suitability standards. A copy of the issuer's personal worksheet shall be filed with the Commissioner.
A completed personal worksheet shall be returned to the issuer prior the issuer's consideration of the applicant for coverage, except the personal worksheet need not be returned for sales of employer group long-term care insurance to employees and their spouses.
The sale or dissemination outside the company or agency by the issuer or agent of information obtained through the personal worksheet in Appendix B is prohibited.
The issuer shall use the suitability standards it has developed pursuant to this section in determining whether issuing long-term care insurance coverage to an applicant is appropriate.
Agents shall use the suitability standards developed by the issuer in marketing long-term care insurance.
At the same time as the personal worksheet is provided to the applicant, the disclosure form entitled "Things You Should Know Before You Buy Long-Term Care Insurance" shall be provided. The form shall be in the format contained in Appendix C, in not less than twelve (12) point type.
If the issuer determines that the applicant does not meet its financial suitability standards, or if the applicant had declined to provide the information, the issuer may reject the application. In the alternative, the issuer shall send the applicant a letter similar to Appendix D. However, if the applicant had declined to provide financial information, the issuer may use some other method to verify the applicant's intent. Either the applicant's returned letter or a record of the alternative method of verification shall be made part of the applicant's file.
The issuer shall report annually to the Commissioner the total number of applications received from residents of the District of Columbia, the number of those who declined to provide information on the personal worksheet, the number of applicants who did not meet the suitability standards, and the number of those who chose to confirm after receiving a suitability letter.
D.C. Mun. Regs. tit. 26, r. 26-A2620