[§431:10H-210]  Reinstatement.  Inaddition to the requirements of sections 431:10H-208 and 431:10H-209, along-term care insurance policy or certificate shall include a provision thatprovides for reinstatement of coverage, in the event of lapse if the insurer isprovided proof that the policyholder or certificate holder was cognitivelyimpaired or had a loss of functional capacity before the grace period containedin the policy expired.  This option shall be available to the insured ifrequested within five months after termination and shall allow for thecollection of past due premium, where appropriate.  The standard of proof ofcognitive impairment or loss of functional capacity shall not be more stringentthan the benefit eligibility criteria on cognitive impairment or the loss offunctional capacity contained in the policy and certificate. [L 1999, c 93, ptof §2]