Maryland Code, Insurance § 18-116.1

(1) the carrier increases the premium rate for the insured;

(2) the insured has maintained the policy or contract of long-term care insurance through the carrier for at least 20 years; and

(3) the insured terminates the policy or contract of long-term care insurance within 120 days after the date the premium rate increase becomes effective for the policy or contract of long-term care insurance maintained by the insured.

(c)(1) The contingent benefit upon lapse required under subsection (b) of this section shall be a paid-up coverage:

(2) Except for the maximum lifetime benefit calculated in accordance with paragraph (1) of this subsection, all other benefits of the policy or contract of long-term care insurance in effect on the date of the lapse of the policy or contract shall remain unchanged and may not be increased after the date of the lapse of the policy or contract.