reglab/housing_qa huggingface dataset:
WY Stat § 26-35-202 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 35 - Cancellation, Renewal and Nonrenewal of Policies|Article 2 - Property and Casualty Insurance Policies|Section 26-35-202 - Mid-Term Cancellation; Grounds; Notice; Exception.

26-35-202. Mid-term cancellation; grounds; notice; exception.| (a) An insurance policy or renewal shall not be cancelled by an insurer prior to the expiration of the term stated in the policy, except for any one (1) of the following reasons:  (i) Failure to pay a premium when due;  (ii) Material misrepresentation of fact which if known to the company would have caused the company not to issue the policy;  (iii) Substantial change in the risk assumed, except to the extent that the insurer should reasonably have foreseen the change or contemplated the risk in writing the policy; or  (iv) Substantial breaches of contractual duties, conditions or warranties.  (b) Cancellation under paragraph (a)(i), (iii) or (iv) of this section shall not be effective unless written notice stating the precise reason for cancellation has been made as provided in W.S. 26-35-101:  (i) Not less than ten (10) days prior to the proposed effective date of cancellation if cancellation is for the reason stated in paragraph (a)(i) of this section; or  (ii) Not less than forty-five (45) days prior to the proposed effective date of cancellation in all other cases except paragraph (a)(ii) of this section.  (c) Subsections (a) and (b) of this section do not apply to any insurance policy which has been in effect for less than sixty (60) days and is not a renewal of a previously existing policy for a term longer than sixty (60) days.  (d) If an insurance company loses its reinsurance and the loss threatens the solvency of the company, the company shall:  (i) Continue coverage to the extent of its retention as to each policyholder;  (ii) Notify each policyholder of the amount of coverage still present; and  (iii) Refund the unearned premium.
WY Stat § 26-35-203 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 35 - Cancellation, Renewal and Nonrenewal of Policies|Article 2 - Property and Casualty Insurance Policies|Section 26-35-203 - Nonrenewal; Notice.

26-35-203. Nonrenewal; notice.| (a) No insurance policy shall be nonrenewed by an insurer except in accordance with the provisions of this section and any nonrenewal attempted which is not in compliance with this section is ineffective.  (b) A policy may be nonrenewed by the insurer at its expiration or anniversary date by giving written notice of nonrenewal as provided in W.S. 26-35-101, not less than forty-five (45) days, or if the policy is a professional health care malpractice liability policy not less than ninety (90) days, prior to the expiration or anniversary date of the policy.  (c) Any notice of nonrenewal under this section shall state the precise reason for nonrenewal. There shall be no liability on the part of an insurer for stated reasons of nonrenewal given in good faith pursuant to this article.
WY Stat § 26-35-204 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 35 - Cancellation, Renewal and Nonrenewal of Policies|Article 2 - Property and Casualty Insurance Policies|Section 26-35-204 - Renewal With Altered Terms; Notice.

26-35-204. Renewal with altered terms; notice.| (a) If an insurer intends to renew a policy, but on less favorable terms or at higher rates, the insurer shall furnish to the insured and the agent of record, if any, renewal terms and a statement of the amount of premium due for the renewal policy period in accordance with this section.  (b) The renewal terms and statement of premium due shall be given pursuant to W.S. 26-35-101 not less than forty-five (45) days, or if the policy is a professional health care malpractice liability policy not less than ninety (90) days, prior to the expiration or anniversary date of the original policy. For rates regulated pursuant to W.S. 26-14-106(a) and (b), sixty (60) days notice of the renewal terms and premium due shall be required if the insurer notified the insured of its proposed changes at the time the insurer filed with the insurance commissioner.  (c) If the insurer fails to furnish the renewal terms and statement of premium due in the manner required by this section, the insured may elect to cancel the renewal policy within the forty-five (45) day period following receipt of the renewal terms and statement of premium due. Earned premium for any period of coverage shall be calculated pro rata based upon the premium applicable to the original policy and not the premium applicable to the renewal policy.
WY Stat § 26-38-101 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 38 - Long-Term Care Insurance|Article 1 - In General|Section 26-38-101 - Short Title.

26-38-101. Short title.| This article shall be known and may be cited as the "Long-Term Care Insurance Act."
WY Stat § 26-38-102 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 38 - Long-Term Care Insurance|Article 1 - In General|Section 26-38-102 - Applicability.

26-38-102. Applicability.| The requirements of this article shall apply to policies delivered or issued for delivery in this state on or after the effective date of this article. 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. A policy which is not advertised, marketed or offered as long-term care insurance or nursing home insurance need not meet the requirements of this article.
WY Stat § 26-38-104 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 38 - Long-Term Care Insurance|Article 1 - In General|Section 26-38-104 - Limits of Group Long-Term Care Insurance.

26-38-104. Limits of group long-term care insurance.| 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 W.S. 26-38-103(a)(iv)(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 those requirements have been met.
WY Stat § 26-38-106 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 38 - Long-Term Care Insurance|Article 1 - In General|Section 26-38-106 - Rulemaking Authority.

26-38-106. Rulemaking authority.| The commissioner shall adopt reasonable rules and regulations necessary to carry out the provisions of this article in accordance with W.S. 26-2-110.
WY Stat § 26-38-107 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 38 - Long-Term Care Insurance|Article 1 - In General|Section 26-38-107 - Incontestability Period.

26-38-107. Incontestability period.| (a) For a long-term care insurance policy or certificate that has been in force for less than six (6) months, an insurer may rescind the policy or certificate or deny any otherwise valid long-term care insurance claim upon a showing of misrepresentation that is material to the acceptance of coverage.  (b) For a long-term care insurance policy or certificate that has been in force for at least six (6) months but less than two (2) years, an insurer may rescind the 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 conditions for which benefits are sought.  (c) After a long-term care insurance policy or certificate has been in force for two (2) years it is not contestable upon the grounds of misrepresentation, unless the insured knowingly and intentionally misrepresented relevant facts relating to the insured's health.  (d) No long-term care insurance policy or certificate may be field issued based on medical or health status. 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) An insurer shall rescind a long-term care policy or certificate for misrepresentation only as provided in this section.
WY Stat § 26-38-109 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 38 - Long-Term Care Insurance|Article 1 - In General|Section 26-38-109 - Nonforfeiture Benefit Provisions.

26-38-109. Nonforfeiture benefit provisions.| (a) Subject to subsection (g) of this section, an insurer that offers a long-term care insurance policy or certificate in this state shall offer a nonforfeiture protection provision as an option. The nonforfeiture benefit shall be made available in the event of a default in the payment of any premiums, or upon the surrender of the policy or certificate by the policyholder or certificate holder.  (b) Subject to subsection (g) of this section, the nonforfeiture provision offered for a policy which is not intended to be a qualified long-term insurance contract, shall be appropriately captioned and shall provide at least one (1) of the following:  (i) Reduced paid-up insurance;  (ii) Extended term insurance;  (iii) Cash surrender values;  (iv) A return of premium;  (v) A shortened benefit period; or  (vi) Other offerings as approved by the commissioner.  (c) Nonforfeiture benefits shall be computed in an actuarially sound manner, using a methodology that has been filed with and approved by the commissioner. At the time of lapse, or upon request by the policyholder or certificate holder, the insurer shall disclose the then-accrued nonforfeiture values. At the time the policy or certificate is issued, the insurer shall provide to the policyholder or certificate holder schedules demonstrating estimated values of nonforfeiture benefits. The schedules shall state that the estimated values are not to be construed as guaranteed nonforfeiture values.  (d) The amount of nonforfeiture benefits shall be adjusted subsequent to being initially granted only as necessary to reflect changes in claims, persistency and interest as reflected in changes in rates for premium paying policies approved by the commissioner for the same policy form.  (e) This section does not apply to life insurance policies or riders containing accelerated long-term care benefits.  (f) Nonforfeiture benefits for qualified long-term care insurance contracts shall include at least a reduced paid-up insurance benefit, an extended term insurance benefit, the offer of a shortened benefit period, or other similar offerings approved by the secretary of the treasury, and shall be provided as specified in regulations. The issuer of such a contract may refund premiums upon complete surrender or cancellation of the contract or policy, as long as the refund does not exceed the aggregate premiums paid for the contract or policy.  (g) Within fifteen (15) business days following receipt of written proof of the death of an insured, an insurer under this chapter shall refund unearned premiums paid for any period beyond the death of the insured. The amount of the refund shall be pro rata from the date of death.
WY Stat § 26-38-110 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 38 - Long-Term Care Insurance|Article 1 - In General|Section 26-38-110 - Compliance With Article Required.

26-38-110. Compliance with article required.| No policy shall be advertised, marketed or offered as long-term care or nursing home insurance unless it complies with the provisions of this article.
WY Stat § 26-38-111 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 38 - Long-Term Care Insurance|Article 1 - In General|Section 26-38-111 - Penalties.

26-38-111. Penalties.| In addition to any other penalties provided by the laws of this state, any insurer or agent who violates any requirement of this state relating to the regulation of long-term care insurance or the marketing of such insurance shall be subject to a civil penalty not to exceed three (3) times the amount of any commissions paid for each policy involved in the violation or ten thousand dollars ($10,000.00), whichever is greater. The penalty shall be assessed by the commissioner in accordance with W.S. 26-1-107.
WY Stat § 26-38-201 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 38 - Long-Term Care Insurance|Article 2 - Medicare Supplement Insurance|Section 26-38-201 - Definitions.

26-38-201. Definitions.| (a) As used in this act:  (i) "Applicant" means:  (A) In the case of an individual Medicare supplement policy, the person who seeks to contract for insurance benefits; and  (B) In the case of a group Medicare supplement policy, the proposed certificate holder.  (ii) "Certificate" means any certificate delivered or issued for delivery in this state under a group Medicare supplement policy;  (iii) "Certificate form" means the form on which the certificate is delivered or issued for delivery by the issuer;  (iv) "Issuer" includes 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;  (v) "Medicare supplement policy" means a group or individual disability insurance policy or a subscriber contract of hospital and medical service associations or health maintenance organizations other than a policy issued pursuant to a contract under section 1876 of the federal Social Security Act, or an issued policy under a demonstration project specified in 42 U.S.C. 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;  (vi) "Medicare" means the "Health Insurance for the Aged Act," Title XVIII of the Social Security Amendments of 1965, as then constituted or later amended;  (vii) "Policy form" means the form on which the policy is delivered or issued for delivery by the issuer;  (viii) "This act" means W.S. 26-38-201 through 26-38-209.
WY Stat § 26-38-202 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 38 - Long-Term Care Insurance|Article 2 - Medicare Supplement Insurance|Section 26-38-202 - Applicability and Scope.

26-38-202. Applicability and scope.| (a) Except as otherwise specifically provided, this act shall apply to:  (i) All Medicare supplement policies delivered or issued for delivery in this state on or after the effective date of this act; and  (ii) All certificates issued under group Medicare supplement policies which have been delivered or issued for delivery in this state.  (b) This act shall not apply to a policy issued to one (1) or more employers or labor organizations, or to the trustees of a fund established by one (1) or more employers 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 provided by regulations adopted pursuant to W.S. 26-38-206(e), the provisions of this act are 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.
WY Stat § 26-38-203 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 38 - Long-Term Care Insurance|Article 2 - Medicare Supplement Insurance|Section 26-38-203 - Standards for Policy Provisions.

26-38-203. Standards for policy provisions.| (a) No Medicare supplement insurance policy or certificate in force in the state shall contain benefits which duplicate benefits provided by Medicare.  (b) The commissioner shall adopt 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. No requirement of the code relating to minimum required policy benefits, other than the minimum standards contained in this act, shall apply to Medicare supplement policies and certificates. The standards may cover, but are not limited to:  (i) Terms of renewability;  (ii) Initial and subsequent conditions of eligibility;  (iii) Nonduplication of coverage;  (iv) Probationary periods;  (v) Benefit limitations, exceptions and reductions;  (vi) Elimination periods;  (vii) Requirements for replacement;  (viii) Recurrent conditions; and  (ix) Definitions of terms.  (c) The commissioner shall adopt 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 for coverage under a Medicare supplement policy or certificate.  (d) Notwithstanding any other provision of law or contract, a Medicare supplement policy or certificate shall not exclude or limit benefits for losses incurred more than ninety (90) days from the effective date of coverage because the loss involved a preexisting condition. The policy or certificate shall 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 ninety (90) days before the effective date of coverage.
WY Stat § 26-38-204 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 38 - Long-Term Care Insurance|Article 2 - Medicare Supplement Insurance|Section 26-38-204 - Regulations.

26-38-204. Regulations.| (a) The commissioner shall adopt reasonable regulations to establish minimum standards for benefits, claims payment, marketing practices, compensation arrangements and reporting practices for Medicare supplement policies and certificates.  (b) The commissioner may adopt reasonable regulations necessary to conform Medicare supplement policies and certificates to the requirements of federal law and regulations, including but not limited to:  (i) Requiring refunds or credits if the policies or certificates do not meet loss ratio requirements;  (ii) Establishing a uniform methodology for calculating and reporting loss ratios;  (iii) Assuring public access to policies, premiums and loss ratio information of issuers of Medicare supplement insurance;  (iv) Establishing a process for approving or disapproving policy forms and certificate forms and restricting premium increases if loss ratio requirements are not met;  (v) Establishing a policy for holding public hearings prior to approval of premium increases; and  (vi) Establishing standards for Medicare select policies and certificates.
WY Stat § 26-38-205 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 38 - Long-Term Care Insurance|Article 2 - Medicare Supplement Insurance|Section 26-38-205 - Loss Ratio Standards.

26-38-205. Loss ratio standards.| (a) Repealed by Laws 1992, ch. 57, § 2.  (b) 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.
WY Stat § 26-38-206 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 38 - Long-Term Care Insurance|Article 2 - Medicare Supplement Insurance|Section 26-38-206 - Disclosure Standards.

26-38-206. Disclosure standards.| (a) In order to provide for full and fair disclosure in the sale of Medicare supplement policies, no Medicare supplement policy or certificate shall be delivered in this state unless an outline of coverage is delivered to the applicant at the time application is made.  (b) The commissioner shall prescribe both the format and content of the outline of coverage required by subsection (a) of this section. For purposes of this section, "format" means style, arrangements and overall appearance, including such items as the size, color and prominence of type and arrangement of text and captions. The outline of coverage shall include but is not limited to:  (i) A description of the principal benefits and coverage provided in the policy;  (ii) A statement of the exceptions, reductions and limitations contained in the policy;  (iii) A statement of the renewal provisions, including any reservation by the insurer of a right to change premiums and disclosure of the existence of any automatic renewal premium increases based on the policyholder's age;  (iv) A statement that the outline of coverage is a summary of the policy issued or applied for and that the policy should be consulted to determine governing contractual provisions.  (c) The commissioner may prescribe by regulation a standard form and the contents of an informational brochure for persons eligible for Medicare, which is intended to improve the buyer's ability to select the most appropriate coverage and improve the buyer's understanding of Medicare. Except in the case of direct response insurance policies, the commissioner may require by regulation that the information brochure be provided to any prospective insureds eligible for Medicare concurrently with delivery of the outline of coverage. With respect to direct response insurance policies, the commissioner may require by regulation that the prescribed brochure be provided upon request to any prospective insureds eligible for Medicare, but in no event later than the time the policy is delivered.  (d) The commissioner may adopt reasonable regulations for captions or notice requirements determined to be in the public interest and designed to inform prospective insureds that particular insurance coverages are not Medicare supplement coverages, for all disability insurance policies sold to persons eligible for Medicare, other than:  (i) Medicare supplement policies; or  (ii) Disability income policies.  (iii) Repealed By Laws 1997, ch. 12, § 2.  (iv) Repealed By Laws 1997, ch. 12, § 2.  (e) The commissioner may further adopt reasonable regulations to govern the full and fair disclosure of the information in connection with the replacement of disability policies, subscriber contracts or certificates by persons eligible for Medicare.
WY Stat § 26-38-207 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 38 - Long-Term Care Insurance|Article 2 - Medicare Supplement Insurance|Section 26-38-207 - Notice of Free Examination.

26-38-207. Notice of free examination.| 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 thirty (30) days of its delivery and to have the full 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 insurer in a timely manner.
WY Stat § 26-38-208 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 38 - Long-Term Care Insurance|Article 2 - Medicare Supplement Insurance|Section 26-38-208 - Filing Requirements for Advertising.

26-38-208. Filing requirements for advertising.| Every issuer of Medicare supplement insurance policies or certificates in this state shall provide to the insurance commissioner a copy of any Medicare supplement advertisement intended for use in this state whether through written, radio or television medium, for review by the commissioner.