reglab/housing_qa huggingface dataset:
215 ILCS 5/454
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XXIX - Workers' Compensation And Employer's Liability Rates

 (from Ch. 73, par. 1065.1)Sec. 454.     Purpose of Article.     The purpose of this Article is to promote the public welfare by  regulating workers' compensation and employer's liability insurance  rates to the end that they shall not be excessive, inadequate or  unfairly discriminatory, or erroneously applied and to authorize and  regulate co-operative  action among companies in rate making and in other matters within the  scope of this Article. Nothing in this Article is intended (1) to  prohibit or discourage reasonable competition, or (2) to prohibit, or  encourage except to the extent necessary to accomplish the  aforementioned purpose, uniformity in insurance rates, rating systems,  rating plans or practices. This Article shall be liberally interpreted  to carry into effect the provisions of this Section.  Section 462b of  this Article is a codification of existing law and practice.    (Source: P.A. 83-1002.)
215 ILCS 5/455
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XXIX - Workers' Compensation And Employer's Liability Rates

 (from Ch. 73, par. 1065.2)Sec. 455.     Scope of article.     This Article applies to workers' compensation and employers'  liability insurance incidental thereto and written in connection  therewith but shall not apply to reinsurance thereon.    (Source: P.A. 81-992.)
215 ILCS 5/457
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XXIX - Workers' Compensation And Employer's Liability Rates

 (from Ch. 73, par. 1065.4)Sec. 457. Rate filings.(1) Every company  shall prefile with the Director every manual of classifications, every manual  of rules and rates, every rating plan and every modification of the foregoing  which it intends to use. Such filings shall be made at least 30 days before   they become effective.  A company may satisfy its obligation to make such filings by adopting the  filing of a licensed rating organization of which it is a member or subscriber,  filed pursuant to subsection (2) of this Section, in total or, with the approval of the Director, deviate from such filing. If a company intends to deviate from the filing of a licensed rating organization of which it is a member, the company shall provide the Director with supporting information that specifies the basis for the requested deviation and provides justification for the deviation. Any  company adopting a pure premium filed by a rating organization pursuant to subsection  (2) must file with the Director the modification factor it is using for  expenses and profit so that the final rates in use by such company can be determined.(2) Each licensed rating organization must prefile   with the Director every manual of classification, every manual of rules  and advisory rates, every pure premium which has been fully adjusted and  fully developed, every rating plan and every modification of any of the  foregoing which it intends to recommend for use to its members and subscribers,  at least 30 days before such manual, premium, plan or modification  thereof takes effect. Every licensed rating organization shall also file  with the Director the rate classification system, all rating rules, rating  plans, policy forms, underwriting rules or similar materials, and each modification  of any of the foregoing which it requires its members and subscribers to  adhere to not later than 30 days before such filings or modifications thereof  are to take effect. Every such filing shall state the proposed effective  date thereof and shall indicate the character and extent of the coverage contemplated.(3) A filing and any supporting information made pursuant to this Section  shall be open to public inspection as soon as filed.(4) A filing shall not be effective nor used until approved by the Director.  A filing shall be deemed approved and legally effective if the Director fails to disapprove within 30 days after the filing. (Source: P.A. 100-1118, eff. 2-1-19.)
215 ILCS 5/460
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XXIX - Workers' Compensation And Employer's Liability Rates

 (from Ch. 73, par. 1065.7)Sec. 460. (Repealed).   (Source: P.A. 99-642, eff. 7-28-16. Repealed by P.A. 100-1118, eff. 2-1-19.)
215 ILCS 5/461
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XXIX - Workers' Compensation And Employer's Liability Rates

 (from Ch. 73, par. 1065.8)Sec. 461.         Appeal  by minority.Any member of or subscriber to a rating organization may appeal to the  Director from the action or decision of such rating organization in  approving or rejecting any proposed change in or addition to the filings of  such rating organization and the Director shall, after a hearing held upon  not less than ten days' written notice to the appellant and to such rating  organization, issue an order approving the action or decision of such  rating organization or directing it to give further consideration to such  proposal, or, if such appeal is from the action or decision of the rating  organization in rejecting a proposed addition to its filings, he may, in  the event he finds that such action or decision was unreasonable, issue an  order directing the rating organization to make an addition to its filings,  on behalf of its members and subscribers, in a manner consistent with his  findings, within a reasonable time after the issuance of such order.If such appeal is based upon the failure of the rating organization to  make a filing on behalf of such member or subscriber which is based on a  system of expense provisions which differs, in accordance with the right  granted in subdivision (b) of subsection (1) of Section 456, from the  system of expense provisions included in a filing made by the rating  organization, the Director shall, if he grants the appeal, order the rating  organization to make the requested filing for use by the appellant. In  deciding such appeal the Director shall apply the standards set forth in  Section 456.    (Source: Laws 1947, p. 1098.)
215 ILCS 5/462
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XXIX - Workers' Compensation And Employer's Liability Rates

 (from Ch. 73, par. 1065.9)Sec. 462.         Information to be furnished insureds - Hearings and appeals of  insureds. Every rating organization, and every company which does  not adopt the rates of a rating organization,  shall, within a reasonable time after receiving written request therefor, furnish to  any insured affected by a rate made by it, or to the authorized  representative of such insured, in readily understandable language,  all pertinent information as to such rate as specified in rules adopted  by the Department.Every rating organization, and every company which does not adopt  the rates of a rating organization,  shall provide within this state reasonable means whereby any person  aggrieved by the application of its rating system may be heard, in  person or by his authorized representative, on his written request to  review the manner in which such rating system has been applied in  connection with the insurance afforded him. If the rating organization  or company fails to grant or reject such request within thirty days  after it is made, the applicant may proceed in the same manner as if his  application had been rejected. Any party affected by the action of such  rating organization or such company on such request may, within thirty  days after written notice of such action, appeal to the Director, who,  after a hearing held upon not less than ten days' written notice to the  appellant and to such rating organization or company, may affirm or  reverse such action.    (Source: P.A. 82-939.)
215 ILCS 5/462a
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XXIX - Workers' Compensation And Employer's Liability Rates

Sec. 462a. Premium increase notice. A policy of workers' compensation insurance issued, delivered, amended, or renewed on or after January 1, 2019 shall remain in full force and effect subject to the same terms and conditions, loss cost multipliers, and classification of the employer with regard to the payment of dividends, unless written notice is mailed or delivered by the insurer to the employer, at the address shown on the policy, and to the employer's authorized agent or broker, indicating the insurer's intention to condition renewal upon issuance of a policy that supersedes the policy previously issued and that will result in a premium in  excess of 5% above the rate recommendation filed with the Department, exclusive of any premium increase generated as a result of increased loss costs or increased exposure units or as a result of experience rating, contractor credit adjustment program, large deductible, retrospective rating, or audit. The notice shall be delivered at least 30 days in advance of the expiration date of the policy, and shall set forth: (1) the amount of the premium increase or, if the amount cannot reasonably be determined as of the time the notice is provided, a reasonable estimate of the premium increase based upon the information available to the insurer at that time; and (2) the reason for the increased premium in excess of the rate recommendation filed with the Department. Nothing in this Section requires the insurer to provide notice when the employer, an agent or broker authorized by the employer, or another insurer of the employer has delivered written notice that the policy has been replaced or is no longer desired.  (Source: P.A. 100-1118, eff. 11-27-18.)
215 ILCS 5/462b
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XXIX - Workers' Compensation And Employer's Liability Rates

 (from Ch. 73, par. 1065.9b)Sec. 462b.         Insurance companies shall apply correct classifications,  payrolls and other factors of a rating system to compute premiums.  If the  application of incorrect classifications, payrolls or any other factors  of a rating system results in the payment by an insured of premiums in excess  of the premiums that would have been paid utilizing the correct applications  of classifications, payrolls or other factors of a rating system, the insurer  shall refund to the insured the excessive premium paid for the period during  which the incorrect application of classifications, payrolls or other factors  of a rating system were applied.  This Section is intended to codify existing  law and practice.    (Source: P.A. 83-1002.)
215 ILCS 5/463
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XXIX - Workers' Compensation And Employer's Liability Rates

 (from Ch. 73, par. 1065.10)Sec. 463.     Advisory organizations.     (1) Every group, association or other organization of companies whether  located within or outside this state, which assists companies which make  their own filings or rating organizations in rate making, by the collection  and furnishing of loss or expense statistics, or by the submission of  recommendations, but which does not make filings under this Article, shall  be known as an advisory organization.(2) Every advisory organization shall file with the Director (a) a copy  of its constitution, its articles of agreement or association or its  certificate of incorporation and of its by-laws, rules and regulations  governing its activities, (b) a list of its members, (c) the name and  address of a resident of this state upon whom notices or orders of the  Director or process issued at his direction may be served, and (d) an  agreement that the Director may examine such advisory organization in  accordance with the provisions of Section 465 of this Article.(3) If, after a hearing, the Director finds that the furnishing of such  information or assistance involves any act or practice which is unfair or  unreasonable or otherwise inconsistent with the provisions of this Article,  he may issue a written order specifying in what respects such act or  practice is unfair or unreasonable or otherwise inconsistent with the  provisions of this Article, and requiring the discontinuance of such act or  practice.(4) No company which makes its own filings nor any rating organization  shall support its filings by statistics or adopt rate making  recommendations, furnished to it by an advisory organization which has not  complied with this Section or with an order of the Director involving such  statistics or recommendations issued under subsection (3) of this Section.  If the Director finds such company or rating organization to be in  violation of this subsection he may issue an order requiring the  discontinuance of such violation.    (Source: Laws 1947, p. 1098.)
215 ILCS 5/464
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XXIX - Workers' Compensation And Employer's Liability Rates

 (from Ch. 73, par. 1065.11)Sec. 464.     Joint underwriting or joint reinsurance.     (1) Every group,  association or other organization of companies which  engages in joint underwriting or joint reinsurance, shall be subject to  regulation with respect thereto as herein provided, subject, however, with  respect to joint underwriting, to all provisions of this Article, and with  respect to joint reinsurance, to Sections 465, 467, 469, 470 and 471 of  this Article.(2) If, after a hearing, the Director finds that any activity or  practice of any such group, association or other organization is unfair or  unreasonable or otherwise inconsistent with the provisions of this Article,  he may issue a written order specifying in what respects such activity or  practice is unfair or unreasonable or otherwise inconsistent with the  provisions of this Article, and requiring the discontinuance of such  activity or practice.    (Source: Laws 1947, p. 1098.)
215 ILCS 5/464a
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XXIX - Workers' Compensation And Employer's Liability Rates

 (from Ch. 73, par. 1065.11a)Sec. 464a.     (Repealed).     (Source: P.A. 81-1482.  Repealed by P.A. 91-757, eff. 1-1-01.)
215 ILCS 5/465
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XXIX - Workers' Compensation And Employer's Liability Rates

 (from Ch. 73, par. 1065.12)Sec. 465.     Examinations.     The Director shall, at least once in five years, make or cause to be  made an examination of each rating organization licensed in this state as  provided in Section 459 and he may, as often as he may deem it expedient,  make or cause to be made an examination of each advisory organization  referred to in Section 463 and of each group, association or other  organization referred to in Section 464. The reasonable costs of any such  examination shall be paid by the rating organization, advisory  organization, or group, association or other organization examined upon  presentation to it of a detailed account of such costs. The officers,  manager, agents and employees of such rating organization, advisory  organization or group, association or other organization may be examined at  any time under oath and shall exhibit all books, records, accounts,  documents, or agreements governing its method of operation. In lieu of any  such examination the Director may accept the report of an examination made  by the insurance supervisory official of another state, pursuant to the  laws of such state. The provisions of Sections 132 through 132.7, 402,  and 403 shall be  applicable to the examinations hereunder.    (Source: P.A. 89-97, eff. 7-7-95.)
215 ILCS 5/467
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XXIX - Workers' Compensation And Employer's Liability Rates

 (from Ch. 73, par. 1065.14)Sec. 467.     False or misleading information.     No person, company or  organization shall wilfully withhold information  from, or knowingly give false or misleading information to the Director,  any statistical agency designated by the Director, any rating organization,  or, any company which will affect the rates or premiums chargeable under  this Article. A violation of this Section shall subject the one guilty of  such violation to the penalties provided in Section 470 of this Article.    (Source: Laws 1947, p. 1098.)
215 ILCS 5/468
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XXIX - Workers' Compensation And Employer's Liability Rates

 (from Ch. 73, par. 1065.15)Sec. 468.     Residual Market Mechanism.     All companies licensed to write  workers' compensation and employers' liability insurance in this State shall  participate in a plan providing for the equitable apportionment among them  of insurance which may be afforded applicants who are in good faith entitled  to but who are unable to procure such insurance through ordinary methods.  Companies must submit such a plan for the Director's approval within 60  days of the effective date of this amendatory Act of 1982.  The rates to be used  in such a plan and any future modification thereof must be submitted to  the Director for approval at least 30 days prior to their effective date.  Such rates shall reflect residual market experience to the extent it is  actuarially appropriate.  The Director shall disapprove any filing that  does not meet the requirements  of subparagraph (d) of paragraph (1) of Section 456 of this Article.  A  filing shall be deemed to meet such requirements unless disapproved by the  Director within 30 days after the filing is made.  In disapproving a filing  made under this Section, the Director shall have the same authority and  shall follow the same procedure as in disapproving a filing under Section  458.  Notwithstanding any other provisions of this Article, rating organizations  may make and file rates under this Section.     (Source: P.A. 82-939.)
215 ILCS 5/469
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XXIX - Workers' Compensation And Employer's Liability Rates

 (from Ch. 73, par. 1065.16)Sec. 469. Rebates prohibited. No broker or agent shall knowingly charge, demand, or receive a premium  for any policy of insurance except in accordance with the provisions of  this Article. No company or employee thereof, and no broker or agent shall  pay, allow, or give, or offer to pay, allow, or give, directly or indirectly,  as an inducement to insurance, or after insurance has been effected, any  rebates, discount, abatement, credit, or reduction of the premium named in a  policy of insurance, or any special favor or advantage in the dividends or  other benefits to accrue thereon, or any valuable consideration or  inducement whatever, not specified in the policy of insurance, except to  the extent provided for in an applicable filing. No insured named in a  policy of insurance, nor any employee of such insured shall knowingly  receive or accept, directly or indirectly, any such rebate, discount,  abatement, credit, or reduction of premium, or any such special favor or  advantage or valuable consideration or inducement. Nothing in this Section  shall be construed as prohibiting the payment of commissions or other  compensation to duly licensed agents and brokers, nor as prohibiting any  company from allowing or returning to its participating policyholders,  members, or subscribers, dividends, savings, or unabsorbed premium deposits.Sections 151 and 152 of this Code shall not apply to any kind  of insurance subject to this Article.  (Source: P.A. 100-863, eff. 8-14-18.)
215 ILCS 5/470
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XXIX - Workers' Compensation And Employer's Liability Rates

 (from Ch. 73, par. 1065.17)Sec. 470.     Penalties.     Any person, company or organization violating any provision of this  Article shall be guilty of a petty offense for each such violation,  provided that a series of acts or events based upon the same alleged  violation shall be treated and considered as a single violation.The Director may suspend the license of any rating organization or  company which fails to comply with an order of the Director within the time  limited by such order, or any extension thereof which the Director may  grant. The Director shall not suspend the license of any rating  organization or company for failure to comply with an order until the time  prescribed for filing a petition for review thereof as provided in Section  471 has expired or if such petition for review has been filed until such  order has been affirmed. The Director may determine when a suspension of  license shall become effective and it shall remain in effect for the period  fixed by him, unless he modifies or rescinds such suspension, or until the  order upon which such suspension is based is modified, rescinded or  reversed.No license shall be suspended or revoked except upon a written order of  the Director, stating his findings, made after a hearing held upon not less  than ten days' written notice to such person or organization specifying the  alleged violation.    (Source: P.A. 77-2699.)
215 ILCS 5/471
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XXIX - Workers' Compensation And Employer's Liability Rates

(215 ILCS 5/471) (from Ch. 73, par. 1065.18)Sec. 471.     Hearing procedure and judicial review.     (1) Any company or rating  organization aggrieved by any order or  decision of the Director made without a hearing, may, within 30 days  after notice of the order to the company or organization, make written  request to the Director for a hearing thereon. The Director shall hear  such party or parties within 20 days after receipt of such request  and shall give not less than 10 days' written notice of the time and  place of the hearing. Within 15 days after such hearing the  Director shall affirm, reverse or modify his previous action, specifying  his reasons therefor. Pending such hearing and decision thereon the  Director may suspend or postpone the effective date of his previous  action.(2) Nothing contained in this Article shall require the observance  at any hearing of formal rules of pleading or evidence.(3) The Administrative Review Law shall apply to and govern all  proceedings for the judicial review of orders and decisions of the  Director under this Article.  Provided, however, that, in the review of  any order or decision of the Director under this Article, such order or  decision shall not be deemed prima facie to be correct and proper, and  provided further that a rating organization aggrieved by an order or  decision under this Article may initiate such proceedings for its  review.    (Source: P.A. 82-783.)
215 ILCS 5/Art. XXXI heading
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XXXI - Insurance Producers, Limited Insurance Representatives And Registered Firms

 ARTICLE XXXI.      INSURANCE PRODUCERS, LIMITED INSURANCE REPRESENTATIVES AND REGISTERED FIRMS (Article scheduled to be repealed on January 1, 2027)
215 ILCS 5/490.1
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XXXI - Insurance Producers, Limited Insurance Representatives And Registered Firms

 (from Ch. 73, par. 1065.37-1)Sec. 490.1.     (Repealed).     (Source: P.A. 83-801. Repealed by P.A. 92-386, eff. 1-1-02.)
215 ILCS 5/491.1
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XXXI - Insurance Producers, Limited Insurance Representatives And Registered Firms

 (from Ch. 73, par. 1065.38-1)Sec. 491.1.     (Repealed).     (Source: P.A. 91-234, eff. 1-1-00. Repealed by P.A. 92-386, eff. 1-1-02.)