HRS §431:10H-116.6
What insurers must do when they deny a long-term care claim
If an insurance company denies a long-term care claim, it must explain why in writing and share all related information within 60 days of a written request. Any policy or rider sold as long-term care or nursing home insurance must follow these rules.
beneficiaries
The statute, as written — Denial of claims; compliance requirements
(a) If a claim under a long-term care insurance contract is denied, the issuer, within sixty days of the date of a written request by the policyholder or certificate holder, or a representative thereof shall: (1) Provide a written explanation of the reasons for the denial; and (2) Make available all information directly related to the denial. (b) Any policy or rider advertised, marketed, or offered as long-term care or nursing home insurance shall comply with this article.
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