reglab/housing_qa huggingface dataset:
AL Code § 27-19-39 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 19 - Disability Insurance Policies.|Article 1 - General Provisions.|Section 27-19-39 - Policies, etc., Providing for Reimbursement for Visual Service.

Section 27-19-39Policies, etc., providing for reimbursement for visual service. Whenever any policy of insurance or any medical service plan or hospital service contract or hospital and medical service contract provides for reimbursement for any visual service in Alabama which is within the lawful scope of practice of a duly licensed optometrist, as defined in Section 34-22-1, the insured or other person entitled to benefits under such policy shall be entitled to reimbursement for such services, whether such services are performed by a duly licensed physician or by a duly licensed optometrist, whichever the insured selects, notwithstanding any provision to the contrary in any statute or in such policy, plan, or contract. Duly licensed optometrists shall be entitled to participate in such policies, plans, or contracts providing for visual services to the same extent as fully licensed physicians. (Acts 1967, No. 508, p. 1224.)
AL Code § 27-19-50 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 19 - Disability Insurance Policies.|Article 2 - Medicare Supplement Policy Minimum Standards.|Section 27-19-50 - Short Title.

Section 27-19-50Short title. This article shall be known and may be cited as the "Alabama Medicare Supplement Minimum Standards Act." (Acts 1981, No. 81-560, p. 940, §1.)
AL Code § 27-19-51 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 19 - Disability Insurance Policies.|Article 2 - Medicare Supplement Policy Minimum Standards.|Section 27-19-51 - Purpose of Article.

Section 27-19-51Purpose of article. The purpose of this article is to establish certain definitions, policy provisions, anticipated loss ratio standards, and disclosure requirements applicable to group and individual Medicare supplement disability policies and to authorize the implementation of these requirements through regulations promulgated by the Commissioner of Insurance consistent with the uniform standards developed by the National Association of Insurance Commissioners to meet the standards enacted in Public Law 96-265 (Laws 1980). (Acts 1981, No. 81-560, p. 940, §2.)
AL Code § 27-19-52 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 19 - Disability Insurance Policies.|Article 2 - Medicare Supplement Policy Minimum Standards.|Section 27-19-52 - Definitions.

Section 27-19-52Definitions. For purposes of this article, the following terms shall have the meaning indicated herein: (1) APPLICANT. Includes either of the following: a. In the case of an individual Medicare supplement policy or subscriber contract, the person who seeks to contract for insurance benefits. b. In the case of a group Medicare supplement policy or subscriber contract, the proposed certificate holder. (2) CERTIFICATE. Any certificate issued under a group Medicare supplement policy, which policy has been delivered or issued for delivery in this state. (3) CERTIFICATE FORM. The form on which the certificate is delivered or issued for delivery by the issuer. (4) ISSUER. Insurance companies, fraternal benefit societies, health care service plans, health maintenance organizations, and any other entity delivering or issuing for delivery in this state Medicare supplement policies or certificates. (5) MEDICARE. The "Health Insurance for the Aged Act," Title XVIII of the Social Security Amendments of 1965, as then constituted or later amended. (6) MEDICARE SUPPLEMENT POLICY. A group or individual policy of disability insurance or a nonprofit hospital and medical plan contract or a subscriber contract of a health maintenance organization, other than a policy issued pursuant to a contract under Section 1876 of the federal Social Security Act (42 U.S.C. Section 1395, et seq.), or an issued policy under a demonstration project specified in 42 U.S.C. Section 1395ss (g)(1), which is advertised, marketed, or designed primarily as a supplement to reimbursements under Medicare for the hospital, medical, or surgical expenses of persons eligible for Medicare. (7) POLICY FORM. The form on which the policy is delivered or issued for delivery by the issuer (Acts 1981, No. 81-560, p. 940, §3; Act 2000-795, p. 1876, §1.)
AL Code § 27-19-52.1 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 19 - Disability Insurance Policies.|Article 2 - Medicare Supplement Policy Minimum Standards.|Section 27-19-52.1 - Applicability of Article.

Section 27-19-52.1Applicability of article.  (a) Except as otherwise specifically provided, this article shall apply to both of the following: (1) All Medicare supplement policies delivered or issued for delivery in this state on or after August 1, 2000. (2) All certificates issued under group Medicare supplement policies, which certificates have been delivered or issued for delivery in this state. (b) This article shall not apply to a policy of one or more employers or labor organizations, or of the trustees of a fund established by one or more employees or labor organizations, or combination thereof, for employees or former employees or a combination thereof, or for members or former members, or a combination thereof, of the labor organizations. (c) Except as otherwise specifically provided in subsection (d) of Section 27-19-56, this article is not intended to prohibit or apply to insurance policies or health care benefit plans, including group conversion policies, provided to Medicare eligible persons which policies are not marketed or held to be Medicare supplement policies or benefit plans. (Act 2000-795, p. 1876, §2.)
AL Code § 27-19-53 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 19 - Disability Insurance Policies.|Article 2 - Medicare Supplement Policy Minimum Standards.|Section 27-19-53 - Standards for Policy Provisions; Limitations of Benefits.

Section 27-19-53Standards for policy provisions; limitations of benefits. (a) The commissioner shall issue reasonable regulations to establish specific standards for policy provisions of Medicare supplement policies and certificates. The standards shall be in addition to and in accordance with applicable laws of this state, including Article 1 and Chapter 20. No requirement of this title relating to minimum required policy benefits, other than the minimum standards contained in this article, shall apply to Medicare supplement policies and certificates. The standards may cover but shall not be limited to the following: (1) Terms of renewability. (2) Initial and subsequent conditions of eligibility. (3) Nonduplication of coverage. (4) Probationary periods. (5) Benefit limitations, exceptions, and reductions. (6) Elimination periods. (7) Requirements for replacement. (8) Recurrent conditions. (9) Definition of terms. (b) The commissioner may issue reasonable regulations that specify prohibited policy provisions not otherwise specifically authorized by statute which, in the opinion of the commissioner, are unjust, unfair, or unfairly discriminatory to any person insured or proposed to be insured under a Medicare supplement policy or certificate. (c) Notwithstanding any other provisions of law of this state, a Medicare supplement policy shall not exclude or limit benefits for loss incurred more than six months from the effective date of coverage because it involved a preexisting condition. The policy may not define a preexisting condition more restrictively than a condition for which medical advice was given or treatment was recommended by or received from a physician within six months before the effective date of coverage. (d) No Medicare supplement policy or certificate in force in the state shall contain benefits that duplicate benefits provided by Medicare. (Acts 1981, No. 81-560, p. 940, §4; Act 2000-795, p. 1876, §3.)
AL Code § 27-19-54 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 19 - Disability Insurance Policies.|Article 2 - Medicare Supplement Policy Minimum Standards.|Section 27-19-54 - Minimum Standards for Benefits, Compensation Arrangement, etc.; Conformity With Federal Provisions.

Section 27-19-54Minimum standards for benefits, compensation arrangement, etc.; conformity with federal provisions. (a) The commissioner shall issue reasonable regulations to establish minimum standards for benefits, claims payment, marketing practices, compensation arrangements, and reporting practices, for Medicare supplement policies and certificates. For the purposes of this section, the term compensation arrangements shall not include payment methods, fee schedules, or other compensation arrangements between licensed health care providers and purchasers of health care services. (b) The commissioner may, from time to time, adopt reasonable regulations as are necessary to conform Medicare supplement policies and certificates to the requirements of federal law and regulations promulgated thereunder, including, but not limited to, the following: (1) Requiring refunds or credits if the policies or certificates do not meet loss ratio requirements. (2) Establishing a uniform methodology for calculating and reporting loss ratios. (3) Assuring public access to policies, premiums, and loss ratio information of issuers of Medicare supplement insurance. (4) Establishing a process for approving or disapproving policy forms and certificate forms and proposed premium increases. (5) Establishing a policy for holding public hearings prior to approval of premium increases. (6) Establishing standards for Medicare Select policies and certificates. (Acts 1981, No. 81-560, p. 940, §5; Act 2000-795, p. 1876, §3.)
AL Code § 27-19-55 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 19 - Disability Insurance Policies.|Article 2 - Medicare Supplement Policy Minimum Standards.|Section 27-19-55 - Standards for Loss Ratios.

Section 27-19-55Standards for loss ratios. Medicare supplement policies shall return to policyholders benefits which are reasonable in relation to the premium charged. The commissioner shall issue reasonable regulations to establish minimum standards for loss ratios of Medicare supplement policies on the basis of incurred claims experience, or incurred health care expenses where coverage is provided by a health maintenance organization on a service rather than reimbursement basis, and earned premiums in accordance with accepted actuarial principles and practices. (Acts 1981, No. 81-560, p. 940, §6; Act 2000-795, p. 1876, §3.)
AL Code § 27-19-57 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 19 - Disability Insurance Policies.|Article 2 - Medicare Supplement Policy Minimum Standards.|Section 27-19-57 - Right of Return and Refund.

Section 27-19-57Right of return and refund. Medicare supplement policies or certificates shall have a notice prominently printed on the first page of the policy or certificate or attached thereto stating in substance that the applicant shall have the right to return the policy or certificate within 30 days of its delivery and to have the premium refunded if, after examination of the policy or certificate, the applicant is not satisfied for any reason. Any refund made pursuant to this section shall be paid directly to the applicant by the issuer in a timely manner. (Acts 1981, No. 81-560, p. 940, §8; Acts 1994, 1st Ex. Sess., No. 94-803, p. 108, §1; Act 2000-795, p. 1876, §3.)
AL Code § 27-19-57.1 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 19 - Disability Insurance Policies.|Article 2 - Medicare Supplement Policy Minimum Standards.|Section 27-19-57.1 - Review of Advertisements.

Section 27-19-57.1Review of advertisements. Every issuer of Medicare supplement insurance policies or certificates in this state shall provide a copy of any Medicare supplement advertisement intended for use in this state whether through written, radio, or television medium to the Commissioner of Insurance of this state for review or approval by the commissioner to the extent it may be required under state law. (Act 2000-795, p. 1876, §4.)
AL Code § 27-19-57.2 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 19 - Disability Insurance Policies.|Article 2 - Medicare Supplement Policy Minimum Standards.|Section 27-19-57.2 - Additional Penalties for Violation of Article.

Section 27-19-57.2Additional penalties for violation of article.  In addition to any other applicable penalties for violations of the insurance code, the commissioner may require issuers violating this article or regulations promulgated pursuant to this article to cease marketing any Medicare supplement policy or certificate in this state which is related directly or indirectly to a violation or may require the issuer to take actions necessary to comply with the provisions of this article, or both. (Act 2000-795, p. 1876, §4.)
AL Code § 27-19-58 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 19 - Disability Insurance Policies.|Article 2 - Medicare Supplement Policy Minimum Standards.|Section 27-19-58 - Applicability of Provisions of Title to Regulations Promulgated Pursuant to Article.

Section 27-19-58Applicability of provisions of title to regulations promulgated pursuant to article. Regulations promulgated pursuant to this article shall be subject to the provisions of Chapter 2 of this title. (Acts 1981, No. 81-560, p. 940, §9.)
AL Code § 27-19-59 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 19 - Disability Insurance Policies.|Article 2 - Medicare Supplement Policy Minimum Standards.|Section 27-19-59 - Fines.

Section 27-19-59Fines. In addition to any other penalties provided by the laws of this state, any insurer and any agent found to have violated any requirement of this state relating to the regulation of Medicare supplement insurance or the marketing of this insurance shall be subject to a fine of up to three times the amount of any commissions paid for each policy involved in the violation or up to ten thousand dollars ($10,000), whichever is greater. (Act 2000-795, p. 1876, §4.)
AL Code § 27-19-100 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 19 - Disability Insurance Policies.|Article 3 - Long-Term Care Insurance Policy Minimum Standards.|Section 27-19-100 - Purpose of Article.

Section 27-19-100Purpose of article. The purpose of this article is to promote the public interest, to promote the availability of long-term care insurance policies, to protect applicants for long-term care insurance, as defined, from unfair or deceptive sales or enrollment practices, to establish standards for long-term care insurance, to facilitate public understanding and comparison of long-term care insurance policies, and to facilitate flexibility and innovation in the development of long-term care insurance coverage. The Legislature recognizes the viability of a long-term care product funded through a life insurance vehicle, and this article is not intended to prohibit approval of this product. (Act 2000-795, p. 1876, §5.)
AL Code § 27-19-101 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 19 - Disability Insurance Policies.|Article 3 - Long-Term Care Insurance Policy Minimum Standards.|Section 27-19-101 - Applicability of Article.

Section 27-19-101Applicability of article. The requirements of this article shall apply to policies delivered or issued for delivery in this state on or after August 1, 2000. This article is not intended to supersede the obligations of entities subject to this article to comply with the substance of other applicable insurance laws insofar as they do not conflict with this article, except that laws and regulations designed and intended to apply to Medicare supplement insurance policies shall not be applied to long-term care insurance. Entities subject to this article shall continue to comply with other applicable insurance legislation not in conflict with this article. (Act 2000-795, p. 1876, §5.)
AL Code § 27-19-102 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 19 - Disability Insurance Policies.|Article 3 - Long-Term Care Insurance Policy Minimum Standards.|Section 27-19-102 - Short Title.

Section 27-19-102Short title. This article may be known and cited as the "Alabama Long-Term Care Insurance Policy Minimum Standards Act." (Act 2000-795, p. 1876, §5.)
AL Code § 27-19-104 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 19 - Disability Insurance Policies.|Article 3 - Long-Term Care Insurance Policy Minimum Standards.|Section 27-19-104 - Coverage Under Policy Issued in Other State.

Section 27-19-104Coverage under policy issued in other state.  No group long-term care insurance coverage may be offered to a resident of this state under a group policy issued in another state to a group described in Section 27-19-103(4)d, unless this state or another state having statutory and regulatory long-term care insurance requirements substantially similar to those adopted in this state has made a determination that these requirements have been met. (Act 2000-795, p. 1876, §5.)
AL Code § 27-19-106 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 19 - Disability Insurance Policies.|Article 3 - Long-Term Care Insurance Policy Minimum Standards.|Section 27-19-106 - Effect of Misrepresentation; Field Issuance.

Section 27-19-106Effect of misrepresentation; field issuance.  (a) For a policy or certificate that has been in force for less than six months an insurer may rescind a long-term care insurance policy or certificate or deny an otherwise valid long-term care insurance claim upon a showing of misrepresentation that is material to the acceptance for coverage. (b) For a policy or certificate that has been in force for at least six months but less than two years an insurer may rescind a long-term care insurance policy or certificate or deny an otherwise valid long-term care insurance claim upon a showing of misrepresentation that is both material to the acceptance for coverage and which pertains to the condition for which benefits are sought. (c) After a policy or certificate has been in force for two years it is not contestable upon the grounds of misrepresentation alone but may be contested only upon a showing that the insured knowingly and intentionally misrepresented relevant facts relating to the insured's health. (d)(1) No long-term care insurance policy or certificate may be field issued based on medical or health status. (2) For purposes of this section, "field issued" means a policy or certificate issued by an agent or a third-party administrator pursuant to the underwriting authority granted to the agent or third-party administrator by an insurer. (e) If an insurer has paid benefits under the long-term care insurance policy or certificate, the benefit payments may not be recovered by the insurer in the event that the policy or certificate is rescinded. (f) In the event of the death of the insured, this section shall not apply to the remaining death benefit of a life insurance policy that accelerates benefits for long-term care. In this situation, the remaining death benefits under these policies shall be governed by Section 27-15-18. In all other situations, this section shall apply to life insurance policies that accelerate benefits for long-term care. (Act 2000-795, p. 1876, §5.)
AL Code § 27-19-107 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 19 - Disability Insurance Policies.|Article 3 - Long-Term Care Insurance Policy Minimum Standards.|Section 27-19-107 - Nonforfeiture Benefits.

Section 27-19-107Nonforfeiture benefits. (a) Except as provided in subsection (b), a long-term care insurance policy may not be delivered or issued for delivery in this state unless the policyholder or certificateholder has been offered the option of purchasing a policy or certificate including a nonforfeiture benefit. The offer of a nonforfeiture benefit may be in the form of a rider that is attached to the policy. In the event the policyholder or certificateholder declines the nonforfeiture benefit, the insurer shall provide a contingent benefit upon lapse that shall be available for a specified period of time following a substantial increase in premium rates. (b) When a group long-term care insurance policy is issued, the offer required in subsection (a) shall be made to the group policyholder. However, if the policy is issued as group long-term care insurance, as defined in Section 27-19-103(4)d., other than to a continuing care retirement community or other similar entity, the offering shall be made to each proposed certificateholder. (c) The commissioner shall promulgate regulations specifying the type or types of nonforfeiture benefits to be offered as part of long-term care insurance policies and certificates, the standards for nonforfeiture benefits, and the rules regarding contingent benefit upon lapse, including a determination of the specified period of time during which a contingent benefit upon lapse will be available and the substantial premium rate increase that triggers a contingent benefit upon lapse as described in subsection (a). (Act 2000-795, p. 1876, §5.)
AL Code § 27-19-108 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 19 - Disability Insurance Policies.|Article 3 - Long-Term Care Insurance Policy Minimum Standards.|Section 27-19-108 - Promulgation of Rules and Regulations.

Section 27-19-108Promulgation of rules and regulations. The commissioner shall issue reasonable regulations to promote premium adequacy and to protect the policyholder in the event of substantial rate increases, and to establish minimum standards for marketing practices, agent compensation, agent testing, penalties, and reporting practices for long-term care insurance. (Act 2000-795, p. 1876, §5.)
AL Code § 27-19-109 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 19 - Disability Insurance Policies.|Article 3 - Long-Term Care Insurance Policy Minimum Standards.|Section 27-19-109 - Penalties.

Section 27-19-109Penalties. In addition to any other penalties provided by the laws of this state, any insurer and any agent found to have violated any requirement of this state relating to the regulation of long-term care insurance or the marketing of this insurance shall be subject to a fine of up to three times the amount of any commissions paid for each policy involved in the violation or up to ten thousand dollars ($10,000), whichever is greater. (Act 2000-795, p. 1876, §5.)
AL Code § 27-19-110 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 19 - Disability Insurance Policies.|Article 3 - Long-Term Care Insurance Policy Minimum Standards.|Section 27-19-110 - Relation to Chapter 2.

Section 27-19-110Relation to Chapter 2. Regulations promulgated pursuant to this article shall be subject to Chapter 2. (Act 2000-795, p. 1876, §5.)
AL Code § 27-22-1 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 22 - Property Insurance Contracts.|Article 1 - Property Insurance Controls.|Section 27-22-1 - Insurance of Building in Name of Less Than All Owners.

Section 27-22-1Insurance of building in name of less than all owners. As to every insurance contract insuring any dwelling or other building and written in the name of less than all of the joint owners or tenants in common, with or without survivorship, if such joint tenants or tenants in common are husband and wife, it shall not be a defense against liability under the policy that all the joint owners or tenants in common were not named as the insured therein, nor will the amount due in event of loss be diminished on such account unless, by special endorsement of the policy, the insurer's liability is limited to the interest of the named insured. (Acts 1951, No. 781, p. 1376; Acts 1971, No. 407, p. 707, §482.)