Section 65.06 - Mandatory Benefit Offers for Individual Policies(1)Inflation Adjustment Benefit.(a) A carrier shall make available, at the time of application, an option to increase benefits in order to adjust for or mitigate against future inflation. The applicant must be informed regarding the cost of this benefit.(b) The initial option to purchase an inflation adjustment benefit must be offered to every applicant without additional underwriting.(c) The carrier must require the applicant to specifically reject this benefit on the application if he/she chooses not to include this benefit in the individual policy.(2)Nonforfeiture Benefit. (a) A carrier shall make available, at the time of application, an option to purchase a nonforfeiture benefit. The applicant must be informed regarding the cost of this benefit.(b) The initial option to purchase a nonforfeiture benefit must be offered to every applicant without additional underwriting.(c) The carrier must require the applicant to specifically reject this benefit on the application if he/she chooses not to include this benefit in the individual policy.(3)Home Health Care Benefit. (a) A carrier shall make available, at the time of application, at least one policy covering home health care that satisfies 211 CMR 65.05(2)(c).(b) A carrier may satisfy this requirement through the offer of an affiliated or nonaffiliated carrier's product(s), as long as the arrangement is subject to a written contract filed with and approved by the commissioner.(4)Long-Term Care Insurance Benefits Qualifying the Insured for Exemptions from Certain Massachusetts Mass Health (Medicaid) Provisions. (a) A carrier shall make available, at the time of application at least one policy that satisfies the requirements of 130 CMR 515.014.(b) A carrier may satisfy this requirement through the offer of an affiliated or nonaffiliated carrier's product(s), as long as the arrangement is subject to a written contract filed with and approved by the commissioner.