Utah Code Title 31A. Insurance Code § 31A-22-2005. Nonforfeiture benefits

(1)(a) A limited long-term care insurance policy may offer the option of purchasing a policy or certificate including a nonforfeiture benefit.

(b) The offer of a nonforfeiture benefit may be in the form of a rider that is attached to the policy.

(c) In the event the policy holder or certificate holder does not purchase a nonforfeiture benefit, the insurer shall provide a contingent benefit upon lapse that shall be available for a specified period of time following a substantial increase in premium rates.

(a) make any offer of a nonforfeiture benefit to the group policyholder;  and

(b) make any offer to each proposed certificate holder.