reglab/housing_qa huggingface dataset:
NJ Rev Stat § 17B:25-29 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:25-29 - Notice of benefits not provided in contract.

17B:25-29 Notice of benefits not provided in contract.  9. A contract that does not provide cash surrender benefits or does not provide death benefits at least equal to the minimum nonforfeiture amount prior to the commencement of any annuity payments shall include a statement in a prominent place in the contract that those benefits are not provided. L.2005,c.194,s.9.
NJ Rev Stat § 17B:25-30 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:25-30 - Benefits allowance for lapse of time and payments beyond schedule.

17B:25-30 Benefits allowance for lapse of time and payments beyond schedule.  10. Any paid-up annuity, cash surrender or death benefits available at any time, other than on the contract anniversary under any contract with fixed scheduled considerations, shall be calculated with allowance for the lapse of time and the payment of any scheduled considerations beyond the beginning of the contract year in which cessation of payment of considerations under the contract occurs. L.2005,c.194,s.10.
NJ Rev Stat § 17B:25-31 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:25-31 - Minimum nonforfeiture benefits.

17B:25-31 Minimum nonforfeiture benefits.  11. For a contract which provides, within the same contract by rider or supplemental contract provision, both annuity benefits and life insurance benefits that are in excess of the greater of cash surrender benefits or a return of the gross considerations with interest, the minimum nonforfeiture benefits shall be equal to the sum of the minimum forfeiture benefits for the annuity portion and the minimum nonforfeiture benefits, if any, for the life insurance portion computed as if each portion were a separate contract. Notwithstanding the provisions of sections 5, 6, 7, 8 and 10 of this act, additional benefits payable in the event of total and permanent disability, as reversionary annuity or deferred reversionary annuity benefits, or as other policy benefits additional to life insurance, endowment and annuity benefits, and considerations for all such additional benefits, shall be disregarded in ascertaining the minimum nonforfeiture amounts, paid-up annuity, cash surrender and death benefits that may be required by this act. The inclusion of those benefits shall not be required in any paid-up benefits unless the additional benefits separately would require minimum nonforfeiture amounts, paid-up annuity, cash surrender and death benefits. L.2005,c.194,s.11.
NJ Rev Stat § 17B:25-32 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:25-32 - Rules.

17B:25-32 Rules.  12. The Commissioner of Banking and Insurance may adopt rules to implement the provisions of this act pursuant to the "Administrative Procedure Act," P.L.1968, c.410 (C.52:14B-1 et seq.). L.2005,c.194,s.12.
NJ Rev Stat § 17B:25-33 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:25-33 - Effective date, applicability.

17B:25-33 Effective date, applicability.  14. This act shall take effect immediately and shall apply as follows: a. Before the second anniversary of the effective date of this act, on a contract form-by-contract form basis, to those annuity contracts for which the company has filed a notice of election of applicability with the Commissioner of Banking and Insurance. A company that elects not to file using the "Indexed Standard Forfeiture Law for Individual Deferred Annuities," P.L.2005, c.194 (C.17B:25-21 et al.), may continue to use contract forms which use the interest rate of 1 1/2% per annum for minimum nonforfeiture values as specified by paragraph (4) of subsection g. of section 5 of P.L.1981, c.285 (C.17B:25-20). b. In all other instances, to all annuity contracts issued by the company on or after the second anniversary of the effective date. L.2005,c.194,s.14.
NJ Rev Stat § 17B:25-34 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:25-34 - Findings, declarations relative to certain annuity products.

17B:25-34 Findings, declarations relative to certain annuity products.  1. The Legislature finds and declares that it is a valid public purpose to set forth standards and procedures regarding annuity products directly solicited to consumers to: prevent the fraudulent and misleading marketing of annuity products by insurers, brokers, and agents; provide standards for the disclosure of information about annuity products so that consumers understand the basic features of these products; ensure that annuity products ultimately issued to consumers are suitable to appropriately address their insurance needs and financial objectives; and enhance oversight over annuity products, including enforcement against violations, through the Department of Banking and Insurance. L.2008, c.88, s.1.
NJ Rev Stat § 17B:25-39 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:25-39 - Cancellation provision for certain annuities.

17B:25-39 Cancellation provision for certain annuities.  6. An annuity directly solicited to a consumer, except for any annuity that is excluded pursuant to the provisions of section 5 of this act, shall not be delivered, issued, executed or renewed in this State or approved for issuance or renewal in this State by the commissioner after the effective date of this act, unless the annuity includes provisions or has attached to it a notice stating that during a period of not less than 10 days after the date the initial owner receives the annuity, the owner may cancel the annuity and receive from the insurer a prompt refund of any account value of the annuity, including any contract fees or other charges, by mailing or otherwise surrendering the annuity together with a written request for cancellation. L.2008, c.88, s.6.
NJ Rev Stat § 17B:25-40 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:25-40 - Certain annuities excluded; report to owner.

17B:25-40 Certain annuities excluded; report to owner.  7. a. An annuity, for purposes of this section, shall not include any annuity directly solicited to a consumer that is excluded pursuant to the provisions of section 4 of this act. b. (1) An insurer shall provide the owner of an annuity with a report, at least annually, on information concerning the annuity which includes, but is not limited to: (a) the beginning and end date of the current report period; (b) the total amount of charges and other considerations provided for the annuity, any amount charged against the annuity's contract value, and interest credited;  (c) the accumulation value, based upon the charges and other considerations provided for the annuity, less any charge against the annuity's contract value, plus interest credited; (d) the cash surrender value, calculated as the greater of the accumulation value as set forth in subparagraph (c) of this paragraph less any applicable surrender charge, or the annuity's minimum guaranteed contract value; and (e) the amount owed on any outstanding loan borrowed by the owner against the annuity's contract value as of the end of the current report period. (2) The insurer shall provide this report:  (a) at the beginning and during the accumulation period prior to maturity on a deferred annuity; and  (b) at the beginning and during the payout period, for which income payments occur at or after maturity, on any annuity with changes to any non-guaranteed element. L.2008, c.88, s.7.
NJ Rev Stat § 17B:25-41 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:25-41 - Collection, maintenance of information.

17B:25-41 Collection, maintenance of information.  8. Any information required to be collected and maintained in order to fulfill the requirements of this act shall be done in accordance with the insurance information practice provisions of P.L.1985, c.179 (C.17:23A-1 et seq.). L.2008, c.88, s.8.
NJ Rev Stat § 17B:25-42 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:25-42 - Violations, penalties.

17B:25-42 Violations, penalties.  9. a. A violation of this act shall be a violation of N.J.S.17B:30-1 et seq. b. Pursuant to the authority provided to the commissioner under N.J.S.17B:30-1 et seq., the commissioner may, upon finding a violation occurred or is occurring, order: (1) an insurer to take reasonably appropriate corrective action regarding any consumer harmed by a violation relating to an annuity issued by the insurer; or (2) a third party insurance producer, or an agent, representative or member of a fraternal benefit society not required to be licensed as an insurance producer in accordance with section 32 of P.L.1997, c.322 (C.17:44B-32), who is authorized to act on behalf of the insurer, to take reasonably appropriate corrective action regarding any consumer harmed by a violation relating to an annuity negotiated and sold by the insurance producer or non-licensed society agent, representative or member. c. The commissioner may, as permitted under N.J.S.17B:30B-1 et seq., alter, modify, or set aside, in whole or in part, any order concerning a penalty for a violation, if the corrective action ordered pursuant to subsection b. of this section occurs promptly to the satisfaction of the commissioner. L.2008, c.88, s.9.
NJ Rev Stat § 17B:26-2.1a (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:26-2.1a - Reconstructive breast surgery; benefits

17B:26-2.1a. Reconstructive breast surgery; benefits  1. Every health insurance policy providing hospital or medical expense benefits delivered, issued, executed or renewed in this State, or approved for issuance or renewal in this State by the Commissioner of Banking and Insurance on or after the effective date of this act, shall provide benefits, following a mastectomy on one breast or both breasts, for reconstructive breast surgery, surgery to restore and achieve symmetry between the two breasts, and the costs of prostheses, and, under any policy providing outpatient x-ray or radiation therapy, the costs of outpatient chemotherapy following surgical procedures in connection with the treatment of breast cancer shall be included as a part of the outpatient x-ray or radiation therapy coverage. The provisions of this section shall apply to all policies in which the insurer has reserved the right to change the premium. Such benefits shall be provided to the same extent as for any other sickness under the policy. L.1983,c.53,s.1; amended 1997, c.75, s.4.
NJ Rev Stat § 17B:26-2.1b (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:26-2.1b - Health insurance policies

17B:26-2.1b. Health insurance policies  Every health insurance policy providing hospital or medical expense benefits delivered, issued, executed or renewed in this State, or approved for issuance or renewal in this State by the Commissioner of Insurance on or after the effective date of this amendatory and supplementary act, shall offer coverage for maternity care without regard to marital status to subscribers or other persons covered thereunder for expenses incurred in pregnancy and childbirth. The coverage for the expenses of pregnancy and childbirth shall be provided to the same extent as the hospitalization benefits are provided in the policy for any other covered illness. If a fixed amount is specified in the policy for surgery, the fixed amount for a pregnancy-related surgical procedure shall be commensurate with the fixed amount payable for a surgical procedure of comparable difficulty and severity.  L. 1985, c. 275, s. 2.
NJ Rev Stat § 17B:26-2.1c (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:26-2.1c - Benefits for equipment for home treatment of hemophilia

17B:26-2.1c. Benefits for equipment for home treatment of hemophilia  Every health insurance policy providing hospital expense benefits to any policy holder or other person covered thereunder for expenses incurred in connection with the treatment of routine bleeding episodes associated with hemophilia shall provide benefits for expenses incurred in connection with the purchase of blood products and blood infusion equipment required for home treatment of routine bleeding episodes associated with hemophilia when the home treatment program is under the supervision of a State approved hemophilia treatment center. The benefits shall be provided to the same extent as for any sickness under the policy.  As used in this act, "blood product" includes, but is not limited to, Factor VIII, Factor IX and cryoprecipitate; and "blood infusion equipment" includes, but is not limited to, syringes and needles.  Participation in a home treatment program shall not preclude further or additional treatment or care at any eligible facility if the number of home treatments, in accordance with a ratio of home treatments to benefit days established by regulation by the Commissioner of Insurance, does not exceed the total number of benefit days provided for any other sickness under the policy.  L. 1987, c. 64, s. 1.
NJ Rev Stat § 17B:26-2.1d (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:26-2.1d - Individual health insurance policy to pay benefits for treatment of Wilm's tumor

17B:26-2.1d. Individual health insurance policy to pay benefits for treatment of Wilm's tumor  Every individual health insurance policy providing hospital or medical expense benefits shall provide benefits to any named insured or other person covered thereunder for expenses incurred in the treatment of Wilm's tumor, including autologous bone marrow transplants when standard chemotherapy treatment is unsuccessful, notwithstanding that any such treatment may be deemed experimental or investigational. These benefits shall be provided to the same extent as for any other sickness under the policy.  L.1990,c.71,s.4.
NJ Rev Stat § 17B:26-2.1e (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:26-2.1e - Individual health insurance policy, mammogram examination benefits.

17B:26-2.1e Individual health insurance policy, mammogram examination benefits.  4. a. No individual health insurance policy providing hospital or medical expense benefits shall be delivered, issued, executed, or renewed in this State or approved for issuance or renewal in this State by the Commissioner of Banking and Insurance, on or after the effective date of this act, unless the policy provides benefits to any named insured or other person covered thereunder for expenses incurred in conducting: (1) one baseline mammogram examination for women who are 40 years of age; a mammogram examination every year for women age 40 and over; and, in the case of a woman who is under 40 years of age and has a family history of breast cancer or other breast cancer risk factors, a mammogram examination at such age and intervals as deemed medically necessary by the woman's health care provider; and (2) an ultrasound evaluation, a magnetic resonance imaging scan, a three-dimensional mammography, or other additional testing of an entire breast or breasts, after a baseline mammogram examination, if the mammogram demonstrates extremely dense breast tissue, if the mammogram is abnormal within any degree of breast density including not dense, moderately dense, heterogeneously dense, or extremely dense breast tissue, or if the patient has additional risk factors for breast cancer including but not limited to family history of breast cancer, prior personal history of breast cancer, positive genetic testing, extremely dense breast tissue based on the Breast Imaging Reporting and Data System established by the American College of Radiology, or other indications as determined by the patient's health care provider. The coverage required under this paragraph may be subject to utilization review, including periodic review, by the insurer of the medical necessity of the additional screening and diagnostic testing. b. These benefits shall be provided to the same extent as for any other sickness under the policy.  c. The provisions of this section shall apply to all policies in which the insurer has reserved the right to change the premium. L.1991, c.279, s.4; amended 1999, c.341, s.4; 2004, c.86, s.4; 2013, c.196, s.4.
NJ Rev Stat § 17B:26-2.1f (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:26-2.1f - Individual health insurance benefits for certain nursing services

17B:26-2.1f. Individual health insurance benefits for certain nursing services  1. a. Notwithstanding any provision of a policy of individual health insurance, whenever such a policy provides for reimbursement for any service which is within the lawful scope of practice of a duly registered professional nurse who is not being paid a salary by a health care provider for the service so performed, a person covered under that individual health insurance policy or the registered professional nurse rendering the service shall be entitled to reimbursement for the service.  b. This act shall exclude salaried services which are already reimbursed and shall not be construed to affect or impair hospital procedures for billing in-hospital nursing care. The practice of nursing shall be deemed to be within the provisions of chapter 26 of Title 17B of the New Jersey Statutes and duly registered professional nurses shall have those privileges and benefits in the scope of their practice as are afforded thereunder to licensed physicians and surgeons in the scope of their practice.  c. This section shall apply to any individual health insurance policy: (1) delivered or issued for delivery in this State on or after the effective date of this act; or (2) under which the insurer has reserved the right to change the premium.  L.1992,c.128,s.1.
NJ Rev Stat § 17B:26-2.1g (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:26-2.1g - Individual health insurance policy, benefits for "off-label" drugs required

17B:26-2.1g. Individual health insurance policy, benefits for "off-label" drugs required  5. a. Except as otherwise provided in P.L.1992, c.161 (C.17B:27A-2 et al.), no individual health insurance policy which provides benefits for expenses incurred in prescribing drugs approved by the federal Food and Drug Administration shall be delivered, issued, executed or renewed in this State, or approved for issuance or renewal in this State on or after the effective date of this act, unless the policy provides benefits to any policyholder or other person covered thereunder for expenses incurred in prescribing a drug for a treatment for which it has not been approved by the Food and Drug Administration if the drug is recognized as being medically appropriate for the specific type of treatment for which the drug has been prescribed in one of the following established reference compendia:  (1) the American Medical Association Drug Evaluations; (2) the American Hospital Formulary Service Drug Information; (3) the United States Pharmacopoeia Drug Information; or, it is recommended by a clinical study or review article in a major-peer reviewed professional journal.  b. Notwithstanding the provisions of this section, coverage shall not be required for any experimental or investigational drug or any drug which the Food and Drug Administration has determined to be contraindicated for the specific treatment for which the drug has been prescribed. The benefits provided pursuant to this section shall be provided to the same extent as other benefits under the policy for drugs prescribed for a treatment approved by the Food and Drug Administration.  c. This section shall apply to all individual health insurance policies in which the insurer has reserved the right to change the premium.  d. Any coverage of a drug required by this section shall also include medically necessary services associated with the administration of the drug.  L.1993,c.321,s.5.
NJ Rev Stat § 17B:26-2.1j (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:26-2.1j - Benefits for certain cancer treatments

17B:26-2.1j. Benefits for certain cancer treatments  4. In addition to benefits provided under regulations adopted pursuant to P.L.1992, c.161 (C.17B:27A-2 et seq.), an insurer shall offer under every individual policy providing health insurance coverage delivered, issued, executed or renewed in this State, or approved for issuance or renewal in this State by the Commissioner of Insurance, on or after the effective date of this act to provide benefits for the treatment of cancer by dose-intensive chemotherapy/autologous bone marrow transplants and peripheral blood stem cell transplants when performed by institutions approved by the National Cancer Institute or pursuant to protocols consistent with the guidelines of the American Society of Clinical Oncologists. Benefits for such treatment shall be provided to the same extent as for any other illness under the policy.  The offer required pursuant to this section shall apply to all health insurance policies in which the insurer has reserved the right to change the premium. Nothing in this section shall be construed to limit an insurer in adjusting premium amounts, or providing for reasonable deductibles or copayments, with respect to benefits provided pursuant to this section.  L.1995,c.100,s.4.
NJ Rev Stat § 17B:26-2.1k (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:26-2.1k - Coverage for birth and natal care; health insurance policy

17B:26-2.1k. Coverage for birth and natal care; health insurance policy  4. a. Every policy that provides maternity benefits and is delivered, issued, executed or renewed in this State pursuant to N.J.S.17B:26-1 et seq., or approved for issuance or renewal in this State by the Commissioner of Insurance on or after the effective date of this act shall provide coverage for a minimum of 48 hours of in-patient care following a vaginal delivery and a minimum of 96 hours of in-patient care following a cesarean section for a mother and her newly born child in a health care facility licensed pursuant to P.L.1971, c.136 (C.26:2H-1 et seq.). The provisions of this section shall apply to all policies in which the insurer has reserved the right to change the premium.  b. Notwithstanding the provisions of subsection a. of this section, a policy that provides coverage for post-delivery care to a mother and her newly born child in the home shall not be required to provide for a minimum of 48 hours and 96 hours, respectively, of in-patient care unless such in-patient care is determined to be medically necessary by the attending physician or is requested by the mother. For the purposes of this section, attending physician shall include the attending obstetrician, pediatrician or other physician attending the mother or newly born child.  c. Every insurer shall provide notice to policyholders regarding the coverage required by this section in accordance with this subsection and regulations promulgated by the Commissioner of Health pursuant to the "Administrative Procedure Act," P.L.1968, c.410 (C.52:14B-1 et seq.). The notice shall be in writing and prominently positioned in any literature or correspondence and shall be transmitted at the earliest of: (1) the next mailing to the policyholder; (2) the yearly informational packet sent to the policyholder; or (3) January 1, 1996.  L.1995,c.138,s.4.