reglab/housing_qa huggingface dataset:
ID Code § 41-2018 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 20 - GROUP LIFE INSURANCE|Section 41-2018 - CONVERSION ON TERMINATION OF ELIGIBILITY.

41-2018. CONVERSION ON TERMINATION OF ELIGIBILITY. There shall be a provision that if the insurance, or any portion of it, on a person covered under the policy ceases because of termination of employment or of membership in the class or classes eligible for coverage under the policy, such person shall be entitled to have issued to him by the insurer, without evidence of insurability, an individual policy of life insurance without disability or other supplementary benefits, provided application for the individual policy shall be made, and the first premium paid to the insurer, within thirty-one (31) days after such termination, and provided further that: (1) The individual policy shall, at the option of such person, be on any one of the forms, except term insurance, then customarily issued by the insurer at the age and for the amount applied for; (2) The individual policy shall be in an amount not in excess of the amount of life insurance which ceases because of such termination less the amount of any life insurance for which such person is or becomes eligible under the same or any other group policy within thirty-one (31) days after such termination, provided that any amount of insurance which shall have matured on or before the date of such termination as an endowment payable to the person insured, whether in one sum or in instalments or in the form of an annuity, shall not, for the purposes of this provision, be included in the amount which is considered to cease because of such termination; and (3) The premium on the individual policy shall be at the insurer’s then customary rate applicable to the form and amount of the individual policy, to the class of risk to which such person then belongs, and to his age attained on the effective date of the individual policy.  History: [41-2018, added 1961, ch. 330, sec. 483, p. 645.]
ID Code § 41-2019 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 20 - GROUP LIFE INSURANCE|Section 41-2019 - CONVERSION ON TERMINATION OF POLICY.

41-2019. CONVERSION ON TERMINATION OF POLICY. The group life insurance policy shall contain a provision that if the group policy terminates or is amended so as to terminate the insurance of any class of insured persons, every person insured thereunder at the date of such termination whose insurance terminates and who has been so insured for at least five (5) years prior to such termination date shall be entitled to have issued to him by the insurer an individual policy of life insurance, subject to the same conditions and limitations as are provided by section 41-2018, except that the group policy may provide that the amount of such individual policy shall not exceed the smaller of: (1) The amount of the person’s life insurance protection ceasing because of the termination or amendment of the group policy, less the amount of any life insurance for which he is or becomes eligible under any group policy issued or reinstated by the same or another insurer within thirty-one (31) days after such termination, and (2) Two thousand dollars ($2,000).  History: [41-2019, added 1961, ch. 330, sec. 484, p. 645.]
ID Code § 41-2020 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 20 - GROUP LIFE INSURANCE|Section 41-2020 - DEATH PENDING CONVERSION.

41-2020. DEATH PENDING CONVERSION. The group life insurance policy shall contain a provision that if a person insured under the policy dies during the period within which he would have been entitled to have an individual policy issued to him in accordance with sections 41-2018 and 41-2019 and before such an individual policy shall have become effective, the amount of life insurance which he would have been entitled to have issued to him under such individual policy shall be payable as a claim under the group policy, whether or not application for the individual policy or the payment of the first premium therefor has been made.  History: [41-2020, added 1961, ch. 330, sec. 485, p. 645.]
ID Code § 41-2021 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 20 - GROUP LIFE INSURANCE|Section 41-2021 - NOTICE AS TO CONVERSION RIGHT.

41-2021. NOTICE AS TO CONVERSION RIGHT. If any individual insured under a group life insurance policy hereafter delivered in this state becomes entitled under the terms of such policy to have an individual policy of life insurance issued to him without evidence of insurability, subject to making of application and payment of the first premium within the period specified in such policy, and if such individual is not given notice of the existence of such right at least fifteen (15) days prior to the expiration date of such period, then, in such event the individual shall have an additional period within which to exercise such right, but nothing herein contained shall be construed to continue any insurance beyond the period provided in such policy. This additional period shall expire fifteen (15) days next after the individual is given such notice but in no event shall such additional period extend beyond sixty (60) days next after the expiration date of the period provided in such policy. Written notice presented to the individual or mailed by the policyholder to the last known address of the individual or mailed by the insurer to the last known address of the individual as furnished by the policyholder shall constitute notice for the purpose of this section.  History: [41-2021, added 1961, ch. 330, sec. 486, p. 645.]
ID Code § 41-2022 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 20 - GROUP LIFE INSURANCE|Section 41-2022 - READJUSTMENT OF PREMIUM.

41-2022. READJUSTMENT OF PREMIUM. Any group life insurance contract may provide for a readjustment of the premium rate based upon the experience thereunder.  History: [41-2022, added 1961, ch. 330, sec. 487, p. 645.]
ID Code § 41-2023 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 20 - GROUP LIFE INSURANCE|Section 41-2023 - APPLICATION OF DIVIDENDS — RATE REDUCTIONS.

41-2023. APPLICATION OF DIVIDENDS — RATE REDUCTIONS. If a policy dividend is hereafter declared or a reduction in rate is hereafter made or continued for the first or any subsequent year of insurance under any policy of group life insurance heretofore or hereafter issued to any policyholder, the excess, if any, of the aggregate dividends or rate reductions under such policy and all other group insurance policies of the policyholder over the aggregate expenditure for insurance under such policies made from funds contributed by the policyholder, or by an employer of insured persons, or by a union or association to which the insured persons belong, including expenditures made in connection with administration of such policies, shall be applied by the policyholder for the sole benefit of insured employees or members.  History: [41-2023, added 1961, ch. 330, sec. 488, p. 645.]
ID Code § 41-2024 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 20 - GROUP LIFE INSURANCE|Section 41-2024 - “EMPLOYEE LIFE INSURANCE” DEFINED.

41-2024. "EMPLOYEE LIFE INSURANCE" DEFINED. (1) "Employee life insurance" is that plan of life insurance, other than salary savings life insurance or pension trust insurance and annuities, under which individual policies are issued to the employees of any employer and the employer, or to the members of a professional association or its employees and where such policies are issued on the lives of not less than four (4) persons at date of issue. Premiums for such policies shall be paid either wholly from the employer’s or member’s funds, or funds contributed by him, or partly from such funds and partly from funds contributed by the insured employees. (2) Any group which is eligible for "group disability insurance" under section 41-2202, Idaho Code, will be eligible for employee life insurance under section 41-2024, Idaho Code.  History: [41-2024, added 1961, ch. 330, sec. 489, p. 645; am. 1974, ch. 85, sec. 1, p. 1176; am. 1975, ch. 207, sec. 3, p. 575.]
ID Code § 41-2025 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 20 - GROUP LIFE INSURANCE|Section 41-2025 - ASSIGNMENT OF INCIDENTS OF OWNERSHIP IN GROUP LIFE INSURANCE POLICIES, INCLUDING CONVERSION PRIVILEGES.

41-2025. ASSIGNMENT OF INCIDENTS OF OWNERSHIP IN GROUP LIFE INSURANCE POLICIES, INCLUDING CONVERSION PRIVILEGES. Nothing in this insurance code or in any other law shall be construed to prohibit any person insured under a group life insurance policy from making an assignment of all or any part of his incidents of ownership under such policy, including but not limited to the privilege to have issued to him an individual policy of life insurance pursuant and subject to the provisions of sections 41-2018, 41-2019 and 41-2021, Idaho Code, and the right to name a beneficiary. Subject to the terms of the policy or agreement between the insured, the group policyholder and the insurer relating to assignment of incidents of ownership thereunder, such an assignment by an insured, made either before or after the effective date [February 25, 1970] of this act, is valid for the purpose of vesting in the assignee, in accordance with any provisions included therein as to the time at which it is to be effective, all of such incidents of ownership so assigned, but without prejudice to the insurer on account of any payment it may make or individual policy it may issue in accordance with sections 41-2018 and 41-2019, Idaho Code, prior to receipt of notice of the assignment.  History: [I.C., sec. 41-2025, as added by 1970, ch. 50, sec. 1, p. 102.]
ID Code § 41-2026 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 20 - GROUP LIFE INSURANCE|Section 41-2026 - POLICY STANDARDS — REPLACEMENT CONTRACTS.

41-2026. POLICY STANDARDS — REPLACEMENT CONTRACTS. (1) Any insurer providing replacement coverage with respect to group life insurance benefits within a period of sixty (60) days from the date of discontinuance of the prior policy providing such benefits shall immediately cover all members of the group and dependents validly covered under the previous policy at the date of discontinuance who are within the definitions of eligibility and who would otherwise be eligible for coverage under the succeeding insurer’s policy, regardless of any limitations or exclusions relating to active employment or nonconfinement. (2) Any member of the group or dependent entitled to coverage under a succeeding insurer’s policy pursuant to subsection (1) of this section shall continue to be covered by the succeeding insurer until the date coverage would terminate for a member of the group or dependent in accordance with the provisions of the succeeding insurer’s policy. (3) No provision in the succeeding insurer’s policy of replacement coverage which would operate to reduce or exclude benefits on the basis that the condition giving rise to benefits preexisted the effective date of the succeeding insurer’s policy shall be applied with respect to those members of the group and dependents validly insured under the prior insurer’s policy on the date of discontinuance, if benefits would have been payable under the prior insurer’s policy. (4) In a situation where a determination of the prior insurer’s benefit is required by the succeeding insurer, at the succeeding insurer’s request, the prior insurer shall furnish a statement of benefits available or pertinent information, sufficient to permit verification of the benefit determination by the succeeding insurer.  History: [41-2026, added 1981, ch. 67, sec. 1, p. 97.]
ID Code § 41-2101 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 21 - DISABILITY INSURANCE POLICIES|Section 41-2101 - SCOPE OF CHAPTER.

41-2101. SCOPE OF CHAPTER. Nothing in this chapter shall apply to or affect: (1) Any policy of liability or workmen’s compensation insurance with or without supplementary expense coverage therein. (2) Any group or blanket policy. (3) Life insurance, endowment or annuity contracts, or contracts supplemental thereto which contain only such provisions relating to disability insurance as: (a) Provide additional benefits in case of death or dismemberment or loss of sight by accident or accidental means, or as (b) Operate to safeguard such contracts against lapse, or to give a special surrender value or special benefit or an annuity in the event that the insured or annuitant becomes totally and permanently disabled, as defined by the contract or supplemental contract. (4) Reinsurance.  History: [41-2101, added 1961, ch. 330, sec. 490, p. 645.]
ID Code § 41-2102 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 21 - DISABILITY INSURANCE POLICIES|Section 41-2102 - SHORT TITLE.

41-2102. SHORT TITLE. This chapter may be cited as the "uniform disability policy provision law."  History: [41-2102, added 1961, ch. 330, sec. 491, p. 645.]
ID Code § 41-2104 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 21 - DISABILITY INSURANCE POLICIES|Section 41-2104 - REQUIRED PROVISIONS — CAPTIONS — OMISSIONS — SUBSTITUTIONS.

41-2104. REQUIRED PROVISIONS — CAPTIONS — OMISSIONS — SUBSTITUTIONS. (1) Except as provided in subsection (2) below, each such policy delivered or issued for delivery to any person in this state shall contain the provisions specified in sections 41-2105 to 41-2116, inclusive, and sections 41-2139 and 41-2140, Idaho Code, of this chapter, in the words in which the same appear; except, that the insurer may, at its option, substitute for one or more of such provisions corresponding provisions of different wording approved by the director which are in each instance not less favorable in any respect to the insured or the beneficiary. Each such provision shall be preceded individually by the applicable caption shown, or, at the option of the insurer, by such appropriate individual or group captions or sub-captions as the director may approve. (2) If any such provision is in whole or in part inapplicable to or inconsistent with the coverage provided by a particular form of policy, the insurer, with the approval of the director, shall omit from such policy any inapplicable provision or part of a provision, and shall modify any inconsistent provision or part of a provision in such manner as to make the provision as contained in the policy consistent with the coverage provided by the policy.  History: [41-2104, added 1961, ch. 330, sec. 493, p. 645; am. 1972, ch. 348, sec. 1, p. 1030; am. 1974, ch. 66, sec. 1, p. 1146.]
ID Code § 41-2105 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 21 - DISABILITY INSURANCE POLICIES|Section 41-2105 - ENTIRE CONTRACT — CHANGES.

41-2105. ENTIRE CONTRACT — CHANGES. There shall be a provision as follows: "Entire Contract; Changes: This policy, including the endorsements and the attached papers, if any, constitute the entire contract of insurance. No change in this policy shall be valid until approved by an executive officer of the insurer and unless such approval be endorsed hereon or attached hereto. No agent has authority to change this policy or to waive any of its provisions."  History: [41-2105, added 1961, ch. 330, sec. 494, p. 645.]
ID Code § 41-2106 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 21 - DISABILITY INSURANCE POLICIES|Section 41-2106 - TIME LIMIT ON CERTAIN DEFENSES.

41-2106. TIME LIMIT ON CERTAIN DEFENSES. (1) There shall be a provision as follows: "Time Limit on Certain Defenses: (a) After two (2) years from the date of issue of this policy, no misstatements, except fraudulent misstatements, made by the applicant in the application for such policy shall be used to void the policy or to deny a claim for loss incurred or disability, as defined in the policy, commencing after the expiration of such two (2) year period. (b) No claim for loss incurred or disability, as defined in the policy, commencing after two (2) years from the date of issue of this policy shall be reduced or denied on the ground that a disease or physical condition not excluded from coverage by name or specific description effective on the date of loss had existed prior to the effective date of coverage of this policy." (2) The policy provision of (1)(a) above shall not be so construed as to affect any legal requirement for avoidance of a policy or denial of a claim during such initial two (2) year period, nor to limit the application of sections 41-2118 through 41-2122, Idaho Code, in the event of misstatement with respect to age or occupation or other insurance. (3) Notwithstanding the provisions of section 41-2106(2), Idaho Code, if an insurer elects to use a simplified application form, with or without a question as to the applicant’s health at the time of application, but without any questions concerning the insured’s health history or medical treatment history, the policy must cover any loss occurring after twelve (12) months from any preexisting condition not specifically excluded from coverage by terms of the policy, and, except as so provided, the policy or contract shall not include wording that would permit a defense based upon preexisting conditions. (4) A policy which the insured has the right to continue in force subject to its terms by the timely payment of premium (a) until at least age fifty (50) or, (b) in the case of a policy issued after age forty-four (44), for at least five (5) years from its date of issue, may contain in lieu of the foregoing, the following provision, from which the clause in parentheses may be omitted at the insurer’s option, under the caption, "Incontestable": "After this policy has been in force for a period of two (2) years during the lifetime of the insured (excluding any period during which the insured is disabled), it shall become incontestable as to any statements, other than fraudulent statements, contained in the application."  History: [41-2106, added 1961, ch. 330, sec. 495, p. 645; am. 1976, ch. 135, sec. 1, p. 507.]
ID Code § 41-2107 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 21 - DISABILITY INSURANCE POLICIES|Section 41-2107 - GRACE PERIOD.

41-2107. GRACE PERIOD. There shall be a provision as follows: "Grace Period: A grace period of….(insert a number not less than ‘7’ for weekly premium policies, ’10’ for monthly premium policies and ’31’ for all other policies) days will be granted for the payment of each premium falling due after the first premium, during which grace period the policy shall continue in force." A policy in which the insurer reserves the right to refuse renewal shall have, at the beginning of the above provision: "Unless not less than thirty (30) days prior to the premium due date the insurer has delivered to the insured or has mailed to his last address as shown by the records of the insurer written notice of its intention not to renew this policy beyond the period for which the premium has been accepted."  History: [41-2107, added 1961, ch. 330, sec. 496, p. 645.]
ID Code § 41-2108 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 21 - DISABILITY INSURANCE POLICIES|Section 41-2108 - REINSTATEMENT.

41-2108. REINSTATEMENT. (1) There shall be a provision as follows: "Reinstatement: If any renewal premium be not paid within the time granted the insured for payment, a subsequent acceptance of premium by the insurer or by any agent duly authorized by the insurer to accept such premium, without requiring in connection therewith an application for reinstatement, shall reinstate the policy; provided, however, that if the insurer or such agent requires an application for reinstatement and issues a conditional receipt for the premium tendered, the policy will be reinstated upon approval of such application by the insurer or, lacking such approval, upon the forty-fifth day following the date of such conditional receipt unless the insurer has previously notified the insured in writing of its disapproval of such application. The reinstated policy shall cover only loss resulting from such accidental injury as may be sustained after the date of reinstatement and loss due to such sickness as may begin more than ten (10) days after such date. In all other respects the insured and insurer shall have the same rights thereunder as they had under the policy immediately before the due date of the defaulted premium, subject to any provisions endorsed hereon or attached hereto in connection with the reinstatement. Any premium accepted in connection with a reinstatement shall be applied to a period for which premium has not been previously paid, but not to any period more than sixty (60) days prior to the date of reinstatement." (2) The last sentence of the above provision may be omitted from any policy which the insured has the right to continue in force subject to its terms by the timely payment of premiums (a) Until at least age fifty (50), or (b) In the case of a policy issued after age forty-four (44), for at least five (5) years from its date of issue.  History: [41-2108, added 1961, ch. 330, sec. 497, p. 645.]
ID Code § 41-2109 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 21 - DISABILITY INSURANCE POLICIES|Section 41-2109 - NOTICE OF CLAIM.

41-2109. NOTICE OF CLAIM. (1) There shall be a provision as follows: "Notice of Claim: Written notice of claim must be given to the insurer within twenty days after the occurrence or commencement of any loss covered by the policy, or as soon thereafter as is reasonably possible. Notice given by or on behalf of the insured or the beneficiary to the insurer at …. (insert the location of such office as the insurer may designate for the purpose), or to any authorized agent of the insurer, with information sufficient to identify the insured, shall be deemed notice to the insurer." (2) In a policy providing a loss-of-time benefit which may be payable for at least two (2) years, an insurer may at its option insert the following between the first and second sentences of the above provision: "Subject to the qualifications set forth below, if the insured suffers loss of time on account of disability for which indemnity may be payable for at least two years, he shall, at least once in every six months after having given notice of the claim, give to the insurer notice of continuance of the disability, except in the event of legal incapacity. The period of six months following any filing of proof by the insured or any payment by the insurer on account of such claim or any denial of liability in whole or in part by the insurer shall be excluded in applying this provision. Delay in the giving of such notice shall not impair the insured’s right to any indemnity which would otherwise have accrued during the period of six months preceding the date on which such notice is actually given."  History: [41-2109, added 1961, ch. 330, sec. 498, p. 645.]
ID Code § 41-2110 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 21 - DISABILITY INSURANCE POLICIES|Section 41-2110 - CLAIM FORMS.

41-2110. CLAIM FORMS. There shall be a provision as follows: "Claim Forms: The insurer, upon receipt of a notice of claim, will furnish to the claimant such forms as are usually furnished by it for filing proofs of loss. If such forms are not furnished within fifteen days after the giving of such notice the claimant shall be deemed to have complied with the requirements of this policy as to proof of loss upon submitting, within the time fixed in the policy for filing proofs of loss, written proof covering the occurrence, the character and the extent of the loss for which claim is made."  History: [41-2110, added 1961, ch. 330, sec. 499, p. 645.]