,,ii  #aac? ,,congress  #a/ ,session    
,s4 #adgc  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,augu/ #a1 #bjac ,ms4  
,klobu*> introduc$ ! foll[+ bill2 :i* 0 
read twice & ref]r$ to ! ,committee on  
,heal?1 ,education1 ,labor1 & ,p5sions  
,a ,,bill  ,to develop a model          
disclosure =m to assi/ consum]s 9       
pur*as+ long-t]m c>e insurance4  #a4    
,%ort title ,?is ,act may be cit$ z !   
,long-,t]m ,c>e ,insurance ,consum]     
,"r-to-,"k ,act ( #bjac4  #b4           
,def9itions ,9 ?is ,act3  7#a7 ,long-t]m
 c>e insurance policy ,! t]m long-t]m   
c>e insurance policy means--  7,a7 a    
qualifi$ long-t]m c>e insurance contract
 7z def9$ 9 section #ggjb;,b7b7 ( !     
,int]nal ,rev5ue ,code ( #aihf72 &  7,b7
 a qualifi$ long-t]m c>e insurance      
contract t cov]s an insur$ :o is a      
resid5t ( a ,/ate ) a qualifi$ ,/ate    
long-t]m c>e insurance p>tn]%ip "u      
clause 7iii7 ( section                  
#aiag7;b77#a77;,c7 ( ! ,social ,security
 ,act 7#db ,u4,s4,c4 #acifp7b77#a77;,c77

 or a long-t]m c>e insurance policy (f]$
 9 connection ) a ,/ate plan am5dm5t    
describ$ 9 clause 7iv7 ( su* section4   
7#b7 ,model ,act & regulation ,! t]m    
model ,act & regulation means ! long-t]m
 c>e insurance model regulation1 & !    
long-t]m c>e insurance model ,act1      
respectively1 promulgat$ by ! ,national 
,association ( ,insurance ,commission]s 
7z adopt$ z ( ,octob] #bjjj & z (       
,decemb] #bjjf74  7#c7 ,,naic ,! t]m    
,,naic means ! ,national ,association ( 
,insurance ,commission]s4  7#d7         
,secret>y ,! t]m ,secret>y means !      
,secret>y ( ,heal? & ,human ,s]vices4   
7#e7 ,/ate ,! t]m ,/ate means ea* ( !   
#ej ,/ates1 ! ,di/rict ( ,columbia1 !   
,commonweal? ( ,pu]to ,rico1 ! ,unit$   
,/ates ,virg9 ,isl&s1 ,guam1 !          
,commonweal? ( ! ,nor!rn ,m>iana ,isl&s1
 & ,am]ican ,samoa4  #c4 ,,naic /udy &  
report on ,/ate disclosure requirem5ts =
 long-t]m c>e insurance  7a7 ,9 g5]al ,!
 ,secret>y %all reque/ ! ,,naic to c>ry 
out ! activities describ$ 9 subsection  

7b7 & issue ! report describ$ 9         
subsection 7c74  7b7 ,review &          
developm5t ( propos$ model disclosure   
requirem5ts ,! activities describ$ 9 ?is
 subsection are ! foll[+3  7#a7 ,model  
act & regulation disclosure requirem5ts 
,review & describe disclosure           
requirem5ts = long-t]m c>e insurance    
policies "u ! ,model ,act & regulation4 
7#b7 ,/ate law disclosure requirem5ts   
,review & describe disclosure           
requirem5ts = long-t]m c>e insurance    
policies "u ,/ate laws4  7#c7 ,long-t]m 
c>e s]vices ,review & describe diff]5ces
 9 long-t]m c>e s]vices1 includ+ )      
respect to provid]s ( su* s]vices & !   
sett+s 9 :i* su* s]vices are provid$    
among ,/ates & develop a /&>diz$        
def9ition = long-t]m c>e s]vices4  7#d7 
,id5tification ( key issues = developm5t
 ( model disclosure m>ket+ =m ,id5tify &
 describe key issues to consid] 9 !     
developm5t ( a propos$ model =m = m>ket+
 long-t]m c>e insurance policies4  7c7  
,report ,! report describ$ 9 ?is        

subsection is a ,,naic ,:ite ,pap] t is 
issu$ n lat] ?an #a ye> aft] ! date (   
enactm5t ( ?is ,act & conta9s ! results 
( ! reviews conduct$ "u subsection 7a7 &
 ! descriptions requir$ "u t subsection4
  #d4 ,,naic ,work+ ,gr\p to develop    
model disclosure =m = long-t]m c>e      
insurance  7a7 ,9 g5]al ,! ,secret>y    
%all reque/ ! ,,naic to e/abli%1 n lat] 
?an #fj days aft] ! date on :i* ! ,,naic
 ,:ite ,pap] describ$ 9 section #c7;c7  
is issu$ & 9 consultation ) ! ,secret>y 
& ! ,secret>y ( ! ,treasury1 a ,work+   
,gr\p to develop a model disclosure =m =
 m>ket+ long-t]m c>e insurance policies4
  7b7 ,work+ ,gr\p memb]s ,! ,work+     
,gr\p e/abli%$ "u subsection 7a7 %all be
 compos$ ( ! foll[+3  7#a7              
,repres5tatives f ,/ate ,dep>tm5ts (    
,heal? 7or ! mo/ appropriate ,/ate      
ag5cies ) responsibility = ov]sight ( ! 
provision ( long-t]m c>e74  7#b7        
,repres5tatives ( long-t]m c>e provid]s 
& facilities4  7#c7 ,consum] advocates4 
7#d7 ,repres5tatives ( issu]s ( long-t]m

 c>e insurance policies4  7#e7          
,repres5tatives ( ! ,,naic or ,/ate     
insurance commission]s4  7#f7 ,o!r      
exp]ts 9 long-t]m c>e & long-t]m c>e    
insurance policies select$ by !         
,secret>y & ,secret>y ( ! ,treasury or !
 ,,naic4  7c7 ,requirem5ts = developm5t 
( =m  7#a7 ,consid]ations ,9 develop+ ! 
model =m1 ! ,work+ ,gr\p %all consid] ! 
foll[+3  7,a7 ,v>iations among provid]s1
 s]vices1 & facilities 9 ! long-t]m c>e 
& long-t]m c>e insurance m>kets4  7,b7  
,! results ( ! reviews & ! descriptions 
includ$ 9 ! ,,naic ,:ite ,pap] issu$ "u 
section #c7;c74  7,c7 ,su* o!r in=mation
 & factors z ! ,work+ ,gr\p det]m9es    
appropriate4  7#b7 ,/&>dizations ,!     
,work+ ,gr\p %all ensure t ! model has--
  7,a7 m9imum /&>d def9itions = cov]age 
( ! v>i\s types ( s]vices & b5efits     
provid$ "u long-t]m c>e insurance       
policies2  7,b7 m9imum /&>d language =  
use by issu]s ( su* policies1 & = ag5ts 
sell+ su* policies1 9 expla9+ ! s]vices 
& b5efits cov]$ "u ! policies &         

re/rictions on ! s]vices & b5efits2     
7,c7 m9imum /&>d =mat1 color1 & type    
size = disclosure docum5ts2 &  7,d7 su* 
o!r m9imum /&>ds z ! ,work+ ,gr\p       
det]m9es appropriate4  7d7 ,deadl9e =   
developm5t ,! ,work+ ,gr\p %all issue a 
propos$ model disclosure =m = m>ket+    
long-t]m c>e insurance policies n lat]  
?an #a ye> aft] ! date on :i* ! ,work+  
,gr\p is e/abli%$4  7e7 ,adoption &     
incorporation into model act &          
regulation ,! ,secret>y %all reque/ !   
,,naic to am5d ! ,model ,act &          
regulation to require ! use ( ! propos$ 
model disclosure =m issu$ by ! ,work+   
,gr\p1 n lat] ?an #a ye> aft] ! date on 
:i* ! ,work+ ,gr\p issues ! =m4  #e4    
,requir$ use ( model disclosure =m 9    
m>ket+ long-t]m c>e insurance policies  
7a7 ,application to tax-,qualifi$ &     
m$icaid p>tn]%ip policies ,n lat] ?an #a
 ye> aft] ! date on :i* ! ,work+ ,gr\p  
issues ! propos$ model disclosure =m =  
m>ket+ long-t]m c>e insurance policies  
"u section #d3  7#a7 ,tax-qualifi$      

policies ,! ,secret>y ( ! ,treasury %all
 promulgate a regulation requir+1 n lat]
 ?an #a ye> aft] ! date on :i* !        
regulation is f9al1 any issu] ( a       
qualifi$ long-t]m c>e insurance contract
 7z def9$ 9 section #ggjb;,b7b7 ( !     
,int]nal ,rev5ue ,code ( #aihf7 to use !
 propos$ model disclosure =m = m>ket+   
su* contracts4  7#b7 ,m$icaid p>tn]%ip  
policies ,! ,secret>y %all promulgate a 
regulation requir+1 n lat] ?an #a ye>   
aft] ! date on :i* ! regulation is f9al1
 any issu] ( a qualifi$ long-t]m c>e    
insurance contract t cov]s an insur$ :o 
is a resid5t ( a ,/ate ) a qualifi$     
,/ate long-t]m c>e insurance p>tn]%ip "u
 clause 7iii7 ( section                 
#aiag7;b77#a77;,c7 ( ! ,social ,security
 ,act 7#db ,u4,s4,c4 #acifp7b77#a77;,c77
 or a long-t]m c>e insurance policy (f]$
 9 connection ) a ,/ate plan am5dm5t    
describ$ 9 clause 7iv7 ( su* section to 
use ! propos$ model disclosure =m =     
m>ket+ su* contracts4  7b7 ,application 
to all o!r long-,t]m c>e insurance      

policies ,n lat] ?an #ah mon?s1 or !    
e>lie/ date on :i* an am5dm5t c\ld be   
enact$ = ^? ,/ates ) legislatures :i*   
meet only e o!r ye>1 aft] ! date on :i* 
! ,,naic adopts an am5d$ ,model ,act &  
regulation to require ! use ( ! propos$ 
model disclosure =m issu$ by ! ,work+   
,gr\p "u section #d1 ea* ,/ate %all     
require by /atute or regulation any     
issu] ( a long-t]m c>e insurance policy 
to use ! propos$ model disclosure =m :5 
m>ket+ su* a policy 9 ! ,/ate4