[§431:10H-212]  Disclosure; riders andendorsements.  (a)  Except for riders or endorsements by which the insurereffectuates a request made in writing by the insured under an individuallong-term care insurance policy, all riders or endorsements added to anindividual long-term care insurance policy after the date of issue or atreinstatement or renewal that reduce or eliminate benefits or coverage in thepolicy shall require signed acceptance by the individual insured.

(b)  After the date of policy issuance, anyrider or endorsement that increases benefits or coverage with a concomitantincrease in premium during the policy term shall be agreed to in writing by theinsured, except if the increased benefits or coverages are required by law.

(c)  Where a separate additional premium ischarged for benefits provided in connection with riders or endorsements, thepremium charge shall be set forth in the policy, rider, or endorsement. [L1999, c 93, pt of §2]