HRS §431:10H-209
Notice required before canceling a long-term care policy for unpaid premium
An insurer cannot cancel an individual long-term care policy for not paying the premium unless it first sends a written notice at least 30 days before the cancellation. The notice must go to the insured and to the people named in another section, using the address the insured gave. The notice is sent by first-class mail and is considered given five days after mailing.
The statute, as written — Lapse or termination for nonpayment of premium
No individual long-term care policy or certificate shall lapse or be terminated for nonpayment of premium unless the insurer, at least thirty days before the effective date of the lapse or termination, has given notice to the insured and to those persons designated in section 431:10H-208 at the address provided by the insured for purposes of receiving notice of lapse or termination. Notice shall be given by first class United States mail, postage prepaid and notice may not be given until thirty days after a premium is unpaid. Notice shall be deemed to have been given as of five days after the date of mailing.
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