Florida Administrative Code
69 - DEPARTMENT OF FINANCIAL SERVICES
69O - OIR - Insurance Regulation
Chapter 69O-157 - LONG-TERM CARE INSURANCE
Section 69O-157.008 - Nonduplication of Coverage Provisions

(1) In addition to any other provisions not prohibited by law or rules, an insurer may avoid duplication of benefits in an expense-incurred insurance policy with respect to losses for which benefits are payable under any workers' compensation, occupational disease, employers' liability or similar laws or payable pursuant to the Florida motor vehicle no-fault law, and any national, state or other governmental plan (except Medicaid) not limited to civilian governmental employees or their families. An insurer may, alternatively, afford excess insurance to benefits afforded under any workers' compensation, occupational disease, employers' liability or similar laws or any national, state or other governmental plan or Florida motor vehicle no-fault law, as well as other insurance or employer- employee or union welfare plans.

(2) Nonduplication may involve an interrelation, as related above and as appropriate to the coverage afforded, with other benefit programs including but not limited to individual or family insurance, group insurance, hospital service, medical service, group practice, individual practice and other prepayment plans, employee or employer benefit organizations, union or association welfare plans, Medicare, Florida motor vehicle no-fault law, and similar benefit programs, except Medicaid.