<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.s6978ac25-9bf8-41d8-bf00-e4c9d155468aNormal { 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.s6978ac25-9bf8-41d8-bf00-e4c9d155468aDefaultParagraphFont { font-family: 'Times New Roman', 'serif'; font-size: 12pt; font-style: normal; font-weight: normal; margin: 0; padding: 0; } span.s6978ac25-9bf8-41d8-bf00-e4c9d155468aDefaultParagraphFont-000000 { font-family: 'Times New Roman', 'serif'; font-size: 12pt; font-style: normal; font-weight: bold; margin: 0; padding: 0; } span.s6978ac25-9bf8-41d8-bf00-e4c9d155468a000001 { font-size: 12pt; font-style: normal; font-weight: normal; margin: 0; padding: 0; } span.s6978ac25-9bf8-41d8-bf00-e4c9d155468aDefaultParagraphFont-000002 { color: #0000FF; font-family: 'Times New Roman', 'serif'; font-size: 12pt; font-style: normal; font-weight: normal; margin: 0; padding: 0; } </style></head><body><div><p dir="ltr" class="s6978ac25-9bf8-41d8-bf00-e4c9d155468aNormal"><span xml:space="preserve" class="s6978ac25-9bf8-41d8-bf00-e4c9d155468aDefaultParagraphFont">    </span><span class="s6978ac25-9bf8-41d8-bf00-e4c9d155468aDefaultParagraphFont-000000">20:06:21:38.  Disclosure of riders and endorsements.</span><span xml:space="preserve" class="s6978ac25-9bf8-41d8-bf00-e4c9d155468aDefaultParagraphFont"> Except for riders or endorsements by which the insurer effectuates a request made in writing by the insured under an individual long-term care insurance policy, all riders or endorsements added to an individual long-term care insurance policy after the date of issue or at reinstatement or renewal which reduce or eliminate benefits or coverage in the policy must have a signed acceptance by the individual insured. After the date of policy issue, any rider or endorsement which increases benefits or coverage with a concomitant increase in premium during the policy term must be agreed to in writing and signed by the insured unless the increased benefits or coverage are required by law. If a separate additional premium is charged for benefits provided in connection with riders or endorsements, the premium charge must be specified in the policy, rider, or endorsement.</span></p><p dir="ltr" class="s6978ac25-9bf8-41d8-bf00-e4c9d155468aNormal"><span xml:space="preserve" class="s6978ac25-9bf8-41d8-bf00-e4c9d155468a000001"> </span></p><p dir="ltr" class="s6978ac25-9bf8-41d8-bf00-e4c9d155468aNormal"><span xml:space="preserve" class="s6978ac25-9bf8-41d8-bf00-e4c9d155468aDefaultParagraphFont">    </span><span class="s6978ac25-9bf8-41d8-bf00-e4c9d155468aDefaultParagraphFont-000000">Source:</span><span xml:space="preserve" class="s6978ac25-9bf8-41d8-bf00-e4c9d155468aDefaultParagraphFont"> 23 SDR 55, effective </span><span class="s6978ac25-9bf8-41d8-bf00-e4c9d155468aDefaultParagraphFont">October 20, 1996.</span></p><p dir="ltr" class="s6978ac25-9bf8-41d8-bf00-e4c9d155468aNormal"><span xml:space="preserve" class="s6978ac25-9bf8-41d8-bf00-e4c9d155468aDefaultParagraphFont">    </span><span class="s6978ac25-9bf8-41d8-bf00-e4c9d155468aDefaultParagraphFont-000000">General Authority:</span><span xml:space="preserve" class="s6978ac25-9bf8-41d8-bf00-e4c9d155468aDefaultParagraphFont"> SDCL </span><a href="https://sdlegislature.gov/Statutes?Statute=58-17B-4"><span class="s6978ac25-9bf8-41d8-bf00-e4c9d155468aDefaultParagraphFont-000002">58-17B-4</span></a><span class="s6978ac25-9bf8-41d8-bf00-e4c9d155468aDefaultParagraphFont">.</span></p><p dir="ltr" class="s6978ac25-9bf8-41d8-bf00-e4c9d155468aNormal"><span xml:space="preserve" class="s6978ac25-9bf8-41d8-bf00-e4c9d155468aDefaultParagraphFont">    </span><span class="s6978ac25-9bf8-41d8-bf00-e4c9d155468aDefaultParagraphFont-000000">Law Implemented:</span><span xml:space="preserve" class="s6978ac25-9bf8-41d8-bf00-e4c9d155468aDefaultParagraphFont"> SDCL </span><a href="https://sdlegislature.gov/Statutes?Statute=58-17B-4"><span class="s6978ac25-9bf8-41d8-bf00-e4c9d155468aDefaultParagraphFont-000002">58-17B-4</span></a><span xml:space="preserve" class="s6978ac25-9bf8-41d8-bf00-e4c9d155468aDefaultParagraphFont">, </span><a href="https://sdlegislature.gov/Statutes?Statute=58-17B-10"><span class="s6978ac25-9bf8-41d8-bf00-e4c9d155468aDefaultParagraphFont-000002">58-17B-10</span></a><span class="s6978ac25-9bf8-41d8-bf00-e4c9d155468aDefaultParagraphFont">.</span></p><p dir="ltr" class="s6978ac25-9bf8-41d8-bf00-e4c9d155468aNormal"><span xml:space="preserve" class="s6978ac25-9bf8-41d8-bf00-e4c9d155468a000001"> </span></p></div></body></html>