reglab/housing_qa huggingface dataset:
UT Code § 31A-22-725 (2021)
2021 Utah Code|Title 31A - Insurance Code|Chapter 22 - Contracts in Specific Lines|Part 7 - Group Accident and Health Insurance|Section 725 - Special enrollment periods relating to Medicaid and Children's Health Insurance Program.

31A-22-725. Special enrollment periods relating to Medicaid and Children's Health Insurance Program.    (1) A person is eligible to enroll for coverage under the terms of an employer's group health benefit plan if:   (a) the person is:   (i) an employee who is eligible, but not enrolled, for coverage under the terms of the employer's group health benefit plan; or     (ii) a dependent of an employee, if the dependent is eligible, but not enrolled, for coverage under the terms of the employer's group health benefit plan; and       (b) the conditions of either Subsection (2) or (3) are met.       (2) Subsection (1) applies if:   (a) the employee or dependent is covered under:   (i) a Medicaid health benefit plan under Title XIX of the Social Security Act; or     (ii) a state child health benefit plan under Title XXI of the Social Security Act;       (b) coverage of the employee or dependent described in Subsection (2)(a) is terminated as a result of loss of eligibility for the coverage; and     (c) the employee requests coverage under the employer's group health plan no later than 60 days after the date of termination of the coverage described in Subsection (2)(a).       (3) Subsection (1) applies if:   (a) the employee or dependent becomes eligible for assistance, with respect to coverage under the employer's group health plan under a plan described in Subsection (2)(a), including under a waiver or demonstration project conducted under or in relation to a plan described in Subsection (2)(a); and     (b) the employee requests coverage under the employer's group health plan no later than 60 days after the date the employee or dependent is determined to be eligible for the assistance described in Subsection (3)(a).      Enacted by Chapter 10, 2010 General Session
UT Code § 31A-22-726 (2021)
2021 Utah Code|Title 31A - Insurance Code|Chapter 22 - Contracts in Specific Lines|Part 7 - Group Accident and Health Insurance|Section 726 - Abortion coverage restriction in health benefit plan and on health insurance exchange.

 Effective 5/14/2019  31A-22-726. Abortion coverage restriction in health benefit plan and on health insurance exchange.    (1) As used in this section, "permitted abortion coverage" means coverage for abortion:   (a) that is necessary to avert:   (i) the death of the woman on whom the abortion is performed; or     (ii) a serious risk of substantial and irreversible impairment of a major bodily function of the woman on whom the abortion is performed;       (b) of a fetus that has a defect that is documented by a physician or physicians to be uniformly diagnosable and uniformly lethal; or     (c) where the woman is pregnant as a result of:   (i) rape, as described in Section 76-5-402;     (ii) rape of a child, as described in Section 76-5-402.1; or     (iii) incest, as described in Subsection 76-5-406(2)(j) or Section 76-7-102.         (2) A person may not offer coverage for an abortion in a health benefit plan, unless the coverage is a type of permitted abortion coverage.     (3) A person may not offer a health benefit plan that provides coverage for an abortion in a health insurance exchange created under the federal Patient Protection and Affordable Care Act, 111 P.L. 148, unless the coverage is a type of permitted abortion coverage.    Amended by Chapter 189, 2019 General SessionAmended by Chapter 193, 2019 General Session
UT Code § 31A-22-801 (2021)
2021 Utah Code|Title 31A - Insurance Code|Chapter 22 - Contracts in Specific Lines|Part 8 - Credit Life and Accident and Health Insurance|Section 801 - Scope of part.

 Effective 5/9/2017  31A-22-801. Scope of part.    (1) Except as provided under Subsection (2), all life insurance and accident and health insurance in connection with loans or other credit transactions are subject to this part.     (2)   (a) Insurance written in connection with a credit transaction is not subject to this part, but is subject to other provisions of this title, if the credit transaction is:   (i) secured by a first mortgage or deed of trust; and     (ii) made to finance the purchase of real property or the construction of a dwelling thereon, or to refinance a prior credit transaction made for such a purpose.       (b) Isolated transactions on the part of an insurer that are not related to an agreement or plan for insuring debtors of the creditor are not subject to this part.      Amended by Chapter 168, 2017 General Session
UT Code § 31A-22-802 (2021)
2021 Utah Code|Title 31A - Insurance Code|Chapter 22 - Contracts in Specific Lines|Part 8 - Credit Life and Accident and Health Insurance|Section 802 - Definitions.

31A-22-802. Definitions.  As used in this part:  (1) "Credit accident and health insurance" means insurance on a debtor to provide indemnity for payments coming due on a specific loan or other credit transaction while the debtor has a disability.     (2) "Credit life insurance" means life insurance on the life of a debtor in connection with a specific loan or credit transaction.     (3) "Credit transaction" means any transaction under which the payment for money loaned or for goods, services, or properties sold or leased is to be made on future dates.     (4) "Creditor" means the lender of money or the vendor or lessor of goods, services, or property, for which payment is arranged through a credit transaction, or any successor to the right, title, or interest of any lender or vendor.     (5) "Debtor" means a borrower of money or a purchaser, including a lessee under a lease intended as security, of goods, services, or property, for which payment is arranged through a credit transaction.     (6) "Indebtedness" means the total amount payable by a debtor to a creditor in connection with a credit transaction, including principal finance charges and interest.     (7) "Net indebtedness" means the total amount required to liquidate the indebtedness, exclusive of any unearned interest, any insurance on the monthly outstanding balance coverage, or any finance charge.     (8) "Net written premiums" means gross written premiums minus refunds on termination.    Amended by Chapter 366, 2011 General Session
UT Code § 31A-22-803 (2021)
2021 Utah Code|Title 31A - Insurance Code|Chapter 22 - Contracts in Specific Lines|Part 8 - Credit Life and Accident and Health Insurance|Section 803 - Forms of insurance permitted.

31A-22-803. Forms of insurance permitted.  Credit life insurance and credit accident and health insurance may be issued only in the following forms:  (1) individual policies of term life insurance issued to debtors;     (2) individual policies of term accident and health insurance issued to debtors, or accident and health benefit provisions in individual policies of credit life insurance;     (3) group policies of term life insurance issued to creditors, providing insurance upon the lives of debtors;     (4) group policies of term accident and health insurance issued to creditors insuring debtors, or accident and health benefit provisions in group credit life insurance policies.    Amended by Chapter 116, 2001 General Session
UT Code § 31A-22-804 (2021)
2021 Utah Code|Title 31A - Insurance Code|Chapter 22 - Contracts in Specific Lines|Part 8 - Credit Life and Accident and Health Insurance|Section 804 - Limitations on amounts of insurance.

31A-22-804. Limitations on amounts of insurance.    (1) Except as provided under Subsection (2), the initial amount of credit life insurance on the life of any one debtor may not exceed the total amount repayable under the contract of indebtedness. Where an indebtedness is repayable in substantially equal periodic installments, the amount of insurance may not exceed the scheduled or actual amount of unpaid indebtedness, whichever is greater.     (2) Subsection (1) does not apply to:   (a) insurance on agricultural credit transaction commitments not exceeding the commitment period, which may be written for the amount of the commitment on a nondecreasing or level term plan;     (b) insurance on educational credit transaction commitments, which may be written to include the portion of the commitment that has not been advanced by the creditor;     (c) insurance on preauthorized lines of credit not exceeding the commitment period which may be written for the preauthorized amount on a nondecreasing or level term plan, whether secured or unsecured; and     (d) insurance on any other class of lawful credit transaction or commitment, which in the commissioner's opinion does not require the application of the restrictions under Subsection (1), in which case the commissioner may authorize by rule a class exception to Subsection (1).       (3) The total amount of indemnity payable by credit accident and health insurance in the event of disability, as defined in the policy, may not exceed the aggregate of the periodic scheduled unpaid installments of the indebtedness. The amount of each periodic indemnity payment may not exceed the total amount repayable under the contract of indebtedness divided by the number of periodic installments.    Amended by Chapter 116, 2001 General Session
UT Code § 31A-22-805 (2021)
2021 Utah Code|Title 31A - Insurance Code|Chapter 22 - Contracts in Specific Lines|Part 8 - Credit Life and Accident and Health Insurance|Section 805 - Beginning date of insurance.

31A-22-805. Beginning date of insurance.    (1) Except as provided under Subsection (2), any credit life insurance or credit accident and health insurance, subject to acceptance by the insurer, commences on the date when the debtor becomes obligated to the creditor.     (2)   (a) Where a group policy provides coverage for existing obligations, the insurance on a debtor with respect to that indebtedness commences on the effective date of the policy.     (b) Where evidence of insurability is required and the evidence is furnished more than 30 days after the debtor becomes obligated to the creditor, the insurance may commence when the insurance company determines the evidence of insurability to be satisfactory. In this event, the insurer shall make an appropriate refund or adjustment of any charge to the debtor for insurance.       (3) The insurance may not extend more than 15 days beyond the scheduled maturity date of the indebtedness, unless it does so at no additional cost to the debtor.     (4) If the indebtedness is discharged due to renewal or refinancing prior to the scheduled maturity date, the insurance in force shall terminate before any new insurance may be issued in connection with the renewed or refinanced indebtedness. In all cases of termination prior to scheduled maturity, a refund shall be paid or credited as provided in Section 31A-22-808.    Amended by Chapter 116, 2001 General Session
UT Code § 31A-22-807 (2021)
2021 Utah Code|Title 31A - Insurance Code|Chapter 22 - Contracts in Specific Lines|Part 8 - Credit Life and Accident and Health Insurance|Section 807 - Filing and approval of forms -- Loss ratio standards.

31A-22-807. Filing and approval of forms -- Loss ratio standards.    (1) A policy, certificate of insurance, statement of insurance, or endorsement form intended for use in Utah is subject to Section 31A-21-201.     (2) In addition to the grounds for prohibiting use of a form under Subsection 31A-21-201(3), it is a ground to prohibit the use of a form that the benefits provided in the form are not reasonable in relation to the premium charge.     (3)   (a) In ascertaining whether the benefits are reasonable in relation to the premium charged, the commissioner shall consider:   (i) the mortality cost of the life insurance;     (ii) the morbidity cost of the accident and health insurance; and     (iii) the reserves set up for the payment of claims unreported or in the process of settlement.        (b) For purposes of this section, benefits are considered reasonable in relation to the premium charged if, given the costs described in this Subsection (3), the premium rate charged develops or may reasonably be expected to develop a loss ratio of:   (i) not less than 50% for credit life insurance; and     (ii) not less than 55% for credit accident and health insurance.         (4) Benefits are considered reasonable in relation to premium charged if the ratio of claims incurred to premium earned during the most recent four-year period at the rates in use produces a loss ratio that is equal to or exceeds the minimum loss ratio standard specified in Subsection (3).     (5) If the minimum loss ratio test produces a loss ratio that exceeds the minimum loss ratio standard in Subsection (4) by five percentage points or more, the insurer may file for approval and use a rate that is higher than the prima facie rate, if it can be expected that the use of the higher rate will continue to produce a loss ratio for an account to which it is applied that will satisfy the minimum loss ratio test.     (6) If the minimum loss ratio test produces a loss ratio that is lower than the minimum loss standard in Subsection (4) by five percentage points or more, the commissioner may require that the insurer:   (a) file an adjusted rate that can be expected to produce a loss ratio that will satisfy the minimum loss ratio test; or     (b) submit reasons acceptable to the commissioner why the insurer should not be required to file an adjusted rate.      Amended by Chapter 345, 2008 General Session
UT Code § 31A-22-808 (2021)
2021 Utah Code|Title 31A - Insurance Code|Chapter 22 - Contracts in Specific Lines|Part 8 - Credit Life and Accident and Health Insurance|Section 808 - Premiums and refunds.

31A-22-808. Premiums and refunds.    (1) Each policy, certificate, or statement of insurance shall provide that in the event of termination of the insurance prior to the scheduled maturity date of the indebtedness, any refund of an amount paid by the debtor for insurance shall be paid or credited promptly to the person entitled to it. The formula used in computing the refund shall be filed with and approved by the commissioner under Chapter 21, Part 2, Approval of Forms. No refund is required if it would be less than $5.     (2) If a creditor requires a debtor to make any payment for credit life or credit accident and health insurance and an individual policy, certificate, or statement of insurance is not issued, the creditor shall immediately give written notice to the debtor and credit the account.     (3) The amount charged the debtor for credit life or accident and health insurance may not exceed the premiums charged by the insurer as computed at the time the charge to the debtor is determined.    Amended by Chapter 90, 2004 General Session
UT Code § 31A-22-809 (2021)
2021 Utah Code|Title 31A - Insurance Code|Chapter 22 - Contracts in Specific Lines|Part 8 - Credit Life and Accident and Health Insurance|Section 809 - Right of debtor to choose insurer.

31A-22-809. Right of debtor to choose insurer.  When credit life insurance or credit accident and health insurance is required as security for any indebtedness, the creditor shall inform the debtor of the debtor's option to furnish the required insurance through existing policies of insurance owned or controlled by the debtor or to procure and furnish the required coverage through any insurer authorized to transact life or accident and health insurance in Utah.  Amended by Chapter 116, 2001 General Session
UT Code § 31A-22-901 (2021)
2021 Utah Code|Title 31A - Insurance Code|Chapter 22 - Contracts in Specific Lines|Part 9 - Contracts of Fraternal Insurers|Section 901 - Laws applicable to contracts of fraternal insurers.

31A-22-901. Laws applicable to contracts of fraternal insurers.  Except as otherwise provided under this part, or in Chapter 9, Insurance Fraternals, insurance contracts issued by fraternal insurers are subject to the contract provisions of the Insurance Code in the same manner as contracts issued by any other insurer.  Enacted by Chapter 242, 1985 General Session
UT Code § 31A-22-902 (2021)
2021 Utah Code|Title 31A - Insurance Code|Chapter 22 - Contracts in Specific Lines|Part 9 - Contracts of Fraternal Insurers|Section 902 - Fraternal contract.

31A-22-902. Fraternal contract.    (1) A fraternal shall issue to each benefit member a policy or certificate specifying the benefits provided and containing at least the substance of all sections of the laws of the fraternal which might result in the termination of coverage or the reduction of benefits. The policy or certificate, any riders or endorsements attached to them, the laws of the fraternal, and the application and declarations made in connection with these which are signed by the applicant, constitute the agreement between the fraternal and the member, and the policy or certificate shall state this.     (2) Any changes in the laws of a fraternal which are made subsequent to the issuance of a policy or certificate bind the member and beneficiary as if they had been in force at the time of the application, so long as they do not destroy or diminish any benefits provided in the policy or certificate.     (3) Copies of any documents mentioned in Subsections (1) and (2), certified by the secretary or corresponding officer of the fraternal, are evidence of the terms and conditions of the contract.     (4) Section 31A-21-106 does not apply to fraternal contracts.     (5) If a fraternal's laws provide for expulsion or suspension of a member for any reason other than nonpayment of premium, the fraternal's insurance certificate shall contain a provision that if a member is expelled or suspended for any reason other than nonpayment of premium, the expelled member has the right to maintain the policy in force by continuing to pay the required premium.     (6) The policy or certificate shall contain a maintenance of solvency provision pursuant to Subsection 31A-9-209(2).     (7) This section applies to all contracts made by a fraternal beginning July 1, 1986. A fraternal may elect to have this section apply at an earlier date, as long as it applies simultaneously to all of its contracts and the fraternal gives the commissioner at least 30 days notice of its intention to apply this section.    Amended by Chapter 204, 1986 General Session
UT Code § 31A-22-903 (2021)
2021 Utah Code|Title 31A - Insurance Code|Chapter 22 - Contracts in Specific Lines|Part 9 - Contracts of Fraternal Insurers|Section 903 - Fraud in obtaining membership.

31A-22-903. Fraud in obtaining membership.  Subject to Sections 31A-22-403 and 31A-22-405, any certificate of membership secured by misrepresentation with reference to any application for membership, document, or other proof, for the purpose of obtaining membership in, or an insurance benefit from, the fraternal is void, if the fraternal relied on it and it is either material or fraudulent.  Enacted by Chapter 242, 1985 General Session
UT Code § 31A-22-904 (2021)
2021 Utah Code|Title 31A - Insurance Code|Chapter 22 - Contracts in Specific Lines|Part 9 - Contracts of Fraternal Insurers|Section 904 - Beneficiaries in fraternal contracts.

31A-22-904. Beneficiaries in fraternal contracts.    (1) Any member may designate as beneficiary any person permitted by the laws of the fraternal. Those laws shall allow the designation of the member's estate as beneficiary.     (2) Subject to Subsection (1), Section 31A-22-413 applies.    Enacted by Chapter 242, 1985 General Session
UT Code § 31A-22-1002 (2021)
2021 Utah Code|Title 31A - Insurance Code|Chapter 22 - Contracts in Specific Lines|Part 10 - Workers' Compensation Insurance Contracts|Section 1002 - Duration of coverage.

31A-22-1002. Duration of coverage.    (1) Any insurer assuming a workers' compensation risk shall carry it until the policy is canceled, either:   (a) by agreement between the Division of Industrial Accidents in the Labor Commission, the insurer, and the employer; or     (b) after:   (i) notice by the insurer to the employer as provided in Section 31A-21-303; and     (ii) notice to the Division of Industrial Accidents in the Labor Commission as provided in Section 34A-2-205.         (2) Subsection (1) does not affect the requirements of Section 31A-22-1001.    Amended by Chapter 116, 2001 General Session
UT Code § 31A-22-1003 (2021)
2021 Utah Code|Title 31A - Insurance Code|Chapter 22 - Contracts in Specific Lines|Part 10 - Workers' Compensation Insurance Contracts|Section 1003 - Comprehensive coverage.

31A-22-1003. Comprehensive coverage.  Every insurance policy covering the liability of an employer under Title 34A, Chapter 2, Workers' Compensation Act, shall cover all types of workers' compensation benefits required to be provided under that chapter. This section does not preclude primary and excess coverage being provided under different contracts.  Amended by Chapter 375, 1997 General Session
UT Code § 31A-22-1004 (2021)
2021 Utah Code|Title 31A - Insurance Code|Chapter 22 - Contracts in Specific Lines|Part 10 - Workers' Compensation Insurance Contracts|Section 1004 - Direct enforcement by employees.

31A-22-1004. Direct enforcement by employees.  All workers' compensation insurance policies shall contain a provision that employees may enforce, in their own names, the liability of the insurer.  Enacted by Chapter 242, 1985 General Session
UT Code § 31A-22-1005 (2021)
2021 Utah Code|Title 31A - Insurance Code|Chapter 22 - Contracts in Specific Lines|Part 10 - Workers' Compensation Insurance Contracts|Section 1005 - Payment as bar to recovery.

31A-22-1005. Payment as bar to recovery.  Payment of compensation under a workers' compensation insurance policy, whether in whole or in part, by either the employer or the insurer, bars recovery by the employee or his dependents to the extent of the payment.  Enacted by Chapter 242, 1985 General Session
UT Code § 31A-22-1006 (2021)
2021 Utah Code|Title 31A - Insurance Code|Chapter 22 - Contracts in Specific Lines|Part 10 - Workers' Compensation Insurance Contracts|Section 1006 - Insurer's constructive knowledge.

31A-22-1006. Insurer's constructive knowledge.  Every workers' compensation policy or contract shall contain a provision that, as between the employee and the insurer, notice to or knowledge of the occurrence of the injury on the part of the employer is considered to be notice or knowledge to the insurer. This provision shall also state that the insurer is bound by and subject to the orders, findings, decisions, and awards rendered against the employer for the payment of compensation on account of compensable accidental injuries or occupational disease disability.  Enacted by Chapter 242, 1985 General Session
UT Code § 31A-22-1007 (2021)
2021 Utah Code|Title 31A - Insurance Code|Chapter 22 - Contracts in Specific Lines|Part 10 - Workers' Compensation Insurance Contracts|Section 1007 - Employer's insolvency.

31A-22-1007. Employer's insolvency.  Every workers' compensation policy or contract shall contain a provision that the insolvency of the employer and his discharge does not relieve the insurer from the payment of compensation for injuries or death sustained by an employee during the life of that policy or contract.  Enacted by Chapter 242, 1985 General Session
UT Code § 31A-22-1008 (2021)
2021 Utah Code|Title 31A - Insurance Code|Chapter 22 - Contracts in Specific Lines|Part 10 - Workers' Compensation Insurance Contracts|Section 1008 - Employer's breach of safety rules.

31A-22-1008. Employer's breach of safety rules.  No condition in a workers' compensation policy requiring the insured employer to comply with certain safety rules may excuse the workers' compensation insurer from paying the required benefits to an employee injured as a result of the employer's breach of a safety rule that is a condition to the workers' compensation policy. However, the insurer may bring a claim against the insured employer for breach of the policy condition.  Enacted by Chapter 242, 1985 General Session