input: [CGS §] 38a-501 [Mandate] Long-Term Care Policy – Non-Forfeiture [Individual, Group, or Both] Individual [Description] 
output: Prohibits an insurer from issuing or delivering a long-term care policy on or after July 1, 2008 unless it had offered the prospective insured an optional non-forfeiture benefit during the policy solicitation or application process. If the non-forfeiture option is declined, the insurer must give the insured a contingent benefit upon lapse.