Eligibility and coverage

(a) Except as provided in (b) and (c) of this section, a benefit recipient may apply for long-term care insurance on an individual or joint basis by applying in accordance with 2 AAC 39.020. (b) A spouse who is receiving a survivor benefit may elect to obtain long-term care insurance on an individual basis only. (c) A dependent child who is receiving a survivor benefit may not elect long-term care insurance. (d) Individual long-term care insurance covers only the benefit recipient. Joint long-term care insurance covers the benefit recipient and the benefit recipient's spouse. Coverage will be limited for long-term care necessitated by a pre-existing condition. (e) A spouse who is not receiving a survivor benefit, and whose long-term care insurance coverage under a benefit recipient's joint coverage is discontinued as a result of divorce from or death of the benefit recipient, may elect to continue that coverage on an individual basis by paying the premium established by the administrator as provided in 2 AAC 39.050(b).