HRS §431:10H-204
Benefits continue after policy ends for ongoing care
If you are already in a care facility when your long-term care insurance ends, the insurer must still pay for that care as long as it continues without a break. The extra coverage can be limited by the policy's benefit period, maximum amount, waiting period, and other terms.
The statute, as written — Extension of benefits
Termination of long-term care insurance shall be without prejudice to any benefits payable for institutionalization if the institutionalization began while the long-term care insurance was in force and continues without interruption after termination. The extension of benefits beyond the period the long-term care insurance was in force may be limited to the duration of the benefit period, if any, or to payment of the maximum benefits and may be subject to any policy waiting period, and all other applicable provisions of the policy.
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