This bill proposes the creation of a new section to chapter 26.1-45 of the North Dakota Century Code, which establishes specific definitions and requirements for long-term care insurance policies. It mandates that terms such as "activities of daily living," "cognitive impairment," and various related activities (bathing, dressing, eating, toileting, and transferring) must be clearly defined within the policy. The bill outlines the criteria for these definitions to ensure consistency and clarity in the terms used in long-term care insurance.

Additionally, the bill stipulates that long-term care insurance policies cannot prohibit or delay the payment of benefits to basic care facilities if the insured meets certain eligibility criteria. These criteria include being unable to perform two or more activities of daily living without assistance or having cognitive impairments that necessitate continuous supervision. This provision aims to protect policyholders and ensure timely access to necessary care services.