This bill introduces a new section to chapter 26.1-45 of the North Dakota Century Code, establishing specific definitions and requirements for long-term care insurance policies. It mandates that terms such as "activities of daily living," "cognitive impairment," and others must be clearly defined within the policy. The bill outlines what constitutes each activity, including bathing, dressing, eating, toileting, and transferring, as well as the criteria for cognitive impairment.

Additionally, the bill stipulates that long-term care insurance policies cannot delay or prohibit 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 impairment that requires supervision. Furthermore, insurers are required to provide a copy of the policy to the insured or their representative within thirty days of a request.