Key Takeaways
- North Dakota requires standard policy provisions for disability income insurance
- Long-term care policies must be guaranteed renewable
- LTC policies must offer inflation protection options
- North Dakota participates in the Long-Term Care Partnership Program
- Disability policies must include minimum grace periods
Last updated: January 2026
North Dakota Disability and Long-Term Care Insurance
North Dakota has specific regulations for disability income insurance and long-term care insurance under Title 26.1 of the North Dakota Century Code.
Disability Income Insurance
Required Policy Provisions
North Dakota disability policies must include:
| Provision | Requirement |
|---|---|
| Grace Period | Minimum 31 days for annual premium |
| Reinstatement | Must allow reinstatement within specified period |
| Notice of Claim | 20 days after loss begins |
| Time to Pay Claims | Reasonable time after proof of loss |
| Legal Actions | Timing restrictions for lawsuits |
Renewability
North Dakota disability policies may be:
- Non-cancelable: Cannot cancel or raise rates
- Guaranteed Renewable: Cannot cancel, may raise rates by class
- Conditionally Renewable: Limited cancellation rights
- Optionally Renewable: Insurer can decline to renew
Long-Term Care Insurance
North Dakota has comprehensive LTC insurance regulations:
Required Provisions
| Provision | Requirement |
|---|---|
| Renewability | Must be guaranteed renewable |
| Pre-existing Conditions | Maximum 6-month look-back period |
| Elimination Period | Must be clearly disclosed |
| Inflation Protection | Must offer option |
| Nonforfeiture | Must offer option |
Inflation Protection Options
Insurers must offer at least one inflation protection option:
- Compound inflation (typically 3% or 5%)
- Simple inflation
- Consumer Price Index adjustment
- Benefit increase option
North Dakota Partnership Program
North Dakota participates in the Long-Term Care Partnership Program:
- Purchase a Partnership-qualified LTC policy
- Use benefits for care
- If benefits exhaust, apply for Medicaid
- Asset protection - Keep assets equal to benefits received
Producer Requirements
To sell LTC insurance in North Dakota:
- Complete LTC-specific training
- Meet continuing education requirements
- Follow suitability guidelines
- Provide required disclosures
Test Your Knowledge
What is the primary benefit of purchasing a North Dakota Partnership-qualified long-term care policy?
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D
Test Your Knowledge
What must North Dakota long-term care insurers offer to policyholders?
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D