This bill introduces a new section to chapter 26.1-45 of the North Dakota Century Code, focusing on the terms and claim payments of long-term care insurance policies. It establishes specific definitions for key terms such as "activities of daily living," "cognitive impairment," and various related activities, ensuring that these terms are clearly defined within the policies. The bill mandates that long-term care insurance policies cannot include undefined terms and must adhere to the specified definitions to ensure clarity and consistency.

Additionally, the bill stipulates that insurers cannot prohibit or delay benefit payments to basic care facilities if the insured meets certain eligibility criteria, such as being unable to perform two or more activities of daily living or having cognitive impairments that require supervision. Furthermore, it requires insurers to provide a copy of the long-term care insurance policy to the insured or their representative within thirty days of a request. This legislation aims to enhance the transparency and accessibility of long-term care insurance for policyholders in North Dakota.