<html xmlns="http://www.w3.org/1999/xhtml"><head><meta charset="UTF-8" /><title></title><meta name="Generator" content="PowerTools for Open XML" /><style>span { white-space: pre-wrap; } p.s6b2836a7-c2fc-4634-beed-300d73fdf0f4Normal { text-align: justify; font-family: 'Times New Roman', 'serif'; font-size: 12pt; line-height: 108%; margin-top: 0; margin-left: 0; margin-right: 0; margin-bottom: .001pt; } span.s6b2836a7-c2fc-4634-beed-300d73fdf0f4DefaultParagraphFont { font-family: 'Times New Roman', 'serif'; font-size: 12pt; font-style: normal; font-weight: normal; margin: 0; padding: 0; } span.s6b2836a7-c2fc-4634-beed-300d73fdf0f4DefaultParagraphFont-000000 { font-family: 'Times New Roman', 'serif'; font-size: 12pt; font-style: normal; font-weight: bold; margin: 0; padding: 0; } span.s6b2836a7-c2fc-4634-beed-300d73fdf0f4DefaultParagraphFont-000001 { color: #0000FF; font-family: 'Times New Roman', 'serif'; font-size: 12pt; font-style: normal; font-weight: normal; margin: 0; padding: 0; } span.s6b2836a7-c2fc-4634-beed-300d73fdf0f4000002 { font-size: 12pt; font-style: normal; font-weight: normal; margin: 0; padding: 0; } </style></head><body><div><p dir="ltr" class="s6b2836a7-c2fc-4634-beed-300d73fdf0f4Normal"><span xml:space="preserve" class="s6b2836a7-c2fc-4634-beed-300d73fdf0f4DefaultParagraphFont">    </span><span class="s6b2836a7-c2fc-4634-beed-300d73fdf0f4DefaultParagraphFont-000000">20:06:21:37.  Reinstatement.</span><span xml:space="preserve" class="s6b2836a7-c2fc-4634-beed-300d73fdf0f4DefaultParagraphFont"> In addition to the notice requirement in § </span><a href="https://sdlegislature.gov/Rules?Rule=20:06:21:20"><span class="s6b2836a7-c2fc-4634-beed-300d73fdf0f4DefaultParagraphFont-000001">20:06:21:20</span></a><span class="s6b2836a7-c2fc-4634-beed-300d73fdf0f4DefaultParagraphFont">, a long-term care insurance policy or certificate must include a provision for reinstatement of coverage in the event of lapse if the insurer is provided proof of cognitive impairment or the loss of functional capacity. This option must be available to the insured if it is requested within five months after termination and must allow for the collection of any past due premium. The standard of proof of cognitive impairment or loss of functional capacity may not be more stringent than the benefit eligibility criteria on cognitive impairment or the loss of functional capacity, if any, contained in the policy or certificate.</span></p><p dir="ltr" class="s6b2836a7-c2fc-4634-beed-300d73fdf0f4Normal"><span xml:space="preserve" class="s6b2836a7-c2fc-4634-beed-300d73fdf0f4000002"> </span></p><p dir="ltr" class="s6b2836a7-c2fc-4634-beed-300d73fdf0f4Normal"><span xml:space="preserve" class="s6b2836a7-c2fc-4634-beed-300d73fdf0f4DefaultParagraphFont">    </span><span class="s6b2836a7-c2fc-4634-beed-300d73fdf0f4DefaultParagraphFont-000000">Source:</span><span xml:space="preserve" class="s6b2836a7-c2fc-4634-beed-300d73fdf0f4DefaultParagraphFont"> 23 SDR 55, effective </span><span class="s6b2836a7-c2fc-4634-beed-300d73fdf0f4DefaultParagraphFont">October 20, 1996.</span></p><p dir="ltr" class="s6b2836a7-c2fc-4634-beed-300d73fdf0f4Normal"><span xml:space="preserve" class="s6b2836a7-c2fc-4634-beed-300d73fdf0f4DefaultParagraphFont">    </span><span class="s6b2836a7-c2fc-4634-beed-300d73fdf0f4DefaultParagraphFont-000000">General Authority:</span><span xml:space="preserve" class="s6b2836a7-c2fc-4634-beed-300d73fdf0f4DefaultParagraphFont"> SDCL </span><a href="https://sdlegislature.gov/Statutes?Statute=58-17B-4"><span class="s6b2836a7-c2fc-4634-beed-300d73fdf0f4DefaultParagraphFont-000001">58-17B-4</span></a><span class="s6b2836a7-c2fc-4634-beed-300d73fdf0f4DefaultParagraphFont">.</span></p><p dir="ltr" class="s6b2836a7-c2fc-4634-beed-300d73fdf0f4Normal"><span xml:space="preserve" class="s6b2836a7-c2fc-4634-beed-300d73fdf0f4DefaultParagraphFont">    </span><span class="s6b2836a7-c2fc-4634-beed-300d73fdf0f4DefaultParagraphFont-000000">Law Implemented:</span><span xml:space="preserve" class="s6b2836a7-c2fc-4634-beed-300d73fdf0f4DefaultParagraphFont"> SDCL </span><a href="https://sdlegislature.gov/Statutes?Statute=58-17B-4"><span class="s6b2836a7-c2fc-4634-beed-300d73fdf0f4DefaultParagraphFont-000001">58-17B-4</span></a><span class="s6b2836a7-c2fc-4634-beed-300d73fdf0f4DefaultParagraphFont">.</span></p><p dir="ltr" class="s6b2836a7-c2fc-4634-beed-300d73fdf0f4Normal"><span xml:space="preserve" class="s6b2836a7-c2fc-4634-beed-300d73fdf0f4000002"> </span></p></div></body></html>