Who must receive a long-term care lapse notice according to Florida law?

Under Florida law, when an insured or policyholder is at risk of having their long-term care insurance policy lapse due to non-payment of premiums, a notice must be sent to both the applicant and a designated secondary addressee. This requirement is intended to ensure that the policyholder is made aware of the potential lapse in coverage and provides a safeguard by informing an additional person, who can assist or intervene on behalf of the policyholder if needed.

By notifying both parties, Florida law aims to protect consumers, particularly elderly or vulnerable individuals who may depend on long-term care services. It ensures that there is a support system in place to help maintain necessary coverage during critical times when the insured may be unable to respond, such as due to health issues or cognitive decline. This dual notification requirement enhances consumer protection and promotes better communication regarding policy status and potential lapses.