reglab/housing_qa huggingface dataset:
MN Stat § 79.253 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 79 — Workers' Compensation Insurance|Section 79.253 — Assigned Risk Safety Account.

79.253 ASSIGNED RISK SAFETY ACCOUNT. Subdivision 1. Creation of account. There is created the assigned risk safety account as a separate account in the special compensation fund in the state treasury. Income earned by funds in the account must be credited to the account. Principal and income of the account are annually appropriated to the commissioner of labor and industry to establish and promote workplace safety and health programs. Subd. 2. Use of funds; safety assessments. The assigned risk plan shall, through persons under contract with the plan, perform on-site surveys of employers insured by the assigned risk plan and recommend practices and equipment to employers designed to reduce the risk of injury to employees. The recommendations may include that the employer form a joint labor-management safety committee. The plan shall generally survey employers in the following priority: (1) employers with poor safety records for their industry based on their premium modification factor or other factors; (2) employers whose workers' compensation premium classification assigned to the greatest portion of the payroll for the employer has a premium rate in the top 25 percent of premium rates for all classes; and (3) all other employers. Subd. 2a. Eligible applicants. An employer is eligible to apply for a grant or loan under this section if the employer meets the following requirements: (1) the employer's workers' compensation insurance is provided by the assigned risk plan, is provided by an insurer subject to penalties under chapter 176, or the employer is self-insured; (2) the employer has had an on-site safety survey conducted by a Minnesota occupational safety and health investigator, a Minnesota Department of Labor and Industry workplace safety and health consultant, an in-house employee safety and health committee, a workers' compensation underwriter, a private safety consultant, or a person under contract with the assigned risk plan; and (3) the on-site safety survey recommends specific safety practices or equipment designed to reduce the risk of illness or injury to employees. Subd. 3. Incentives and penalties. The assigned risk plan shall develop a premium rating system subject to approval by the commissioner of commerce that provides a reduction in premium rates for employers that follow safety recommendations made under this section and an increase in rates for employers that do not. The system must be sensitive to the economic ability of an employer to implement particular recommendations. Subd. 4. Grants and loans. The commissioner of labor and industry may make grants or loans to employers for the cost of implementing safety recommendations made under this section. Subd. 5. Rules. The commissioner of labor and industry may adopt rules necessary to implement this section. History:  1992 c 510 art 3 s 8; 1995 c 231 art 2 s 8; 1997 c 200 art 1 s 46
MN Stat § 79.36 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 79 — Workers' Compensation Insurance|Section 79.36 — Additional Powers.

79.36 ADDITIONAL POWERS. In addition to the powers granted in section 79.35, the reinsurance association may do the following: (1) sue and be sued. A judgment against the reinsurance association shall not create any direct liability against the individual members of the reinsurance association. The reinsurance association shall provide in the plan of operation for the indemnification, to the extent provided in the plan of operation, of the members, members of the board of directors of the reinsurance association, and officers, employees and other persons lawfully acting on behalf of the reinsurance association; (2) reinsure all or any portion of its potential liability, including potential liability in excess of the prefunded limit, with reinsurers licensed to transact insurance in this state or otherwise approved by the commissioner of labor and industry; (3) provide for appropriate housing, equipment, and personnel as may be necessary to assure the efficient operation of the reinsurance association; (4) contract for goods and services, including but not limited to independent claims management, actuarial, investment, and legal services from others within or without this state to assure the efficient operation of the reinsurance association; (5) adopt operating rules, consistent with the plan of operation, for the administration of the reinsurance association, enforce those operating rules, and delegate authority as necessary to assure the proper administration and operation of the reinsurance association; (6) intervene in or prosecute at any time, including but not limited to intervention or prosecution as subrogee to the member's rights in a third-party action, any proceeding under this chapter or chapter 176 in which liability of the reinsurance association may, in the opinion of the board of directors of the reinsurance association or its designee, be established, or the reinsurance association affected in any other way; (7) the net proceeds derived from intervention or prosecution of any subrogation interest, or other recovery, shall first be used to reimburse the reinsurance association for amounts paid or payable pursuant to this chapter, together with any expenses of recovery, including attorney's fees, and any excess shall be paid to the member or other person entitled thereto, as determined by the board of directors of the reinsurance association, unless otherwise ordered by a court; (8) hear and determine complaints of a company or other interested party concerning the operation of the reinsurance association; and (9) perform other acts not specifically enumerated in this section which are necessary or proper to accomplish the purposes of the reinsurance association and which are not inconsistent with sections 79.34 to 79.40 or the plan of operation. History:  Ex1979 c 3 s 19; 1980 c 556 s 9; 1981 c 346 s 20,139; 1985 c 234 s 21; 1987 c 384 art 2 s 1
MN Stat § 79.362 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 79 — Workers' Compensation Insurance|Section 79.362 — Workers' Compensation Reinsurance Association Excess Surplus Distribution.

79.362 WORKERS' COMPENSATION REINSURANCE ASSOCIATION EXCESS SURPLUS DISTRIBUTION. An order of the commissioner of the Department of Labor and Industry relating to the distribution of excess surplus of the Workers' Compensation Reinsurance Association shall be reviewed by the commissioner of commerce. The commissioner of commerce may amend, approve, or reject an order or issue further orders to accomplish the purposes of section 79.361 and Laws 1993, chapter 361, section 2. The commissioner may not change the amount of the distribution ordered by the commissioner of labor and industry without agreement of the commissioner of labor and industry. History:  1993 c 361 s 6; 1997 c 187 art 3 s 21
MN Stat § 79.363 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 79 — Workers' Compensation Insurance|Section 79.363 — Distribution Of Excess Surplus.

79.363 DISTRIBUTION OF EXCESS SURPLUS. The distribution of excess surplus of the Workers' Compensation Reinsurance Association is not a distribution of excess premiums to members. Any excess surplus not refunded according to Laws 1993, chapter 361, section 2, must be returned to the association and must not be distributed to its members. Any excess surplus not distributed or refunded according to section 79.361 must be retained by the association and must not be distributed to members. History:   1993 c 361 s 8
MN Stat § 79.37 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 79 — Workers' Compensation Insurance|Section 79.37 — Board Of Directors.

79.37 BOARD OF DIRECTORS. A board of directors of the reinsurance association is created and is responsible for the operation of the reinsurance association consistent with the plan of operation and sections 79.34 to 79.40. The board consists of 13 directors. Four directors shall represent insurers, two directors shall represent employers, two shall represent self-insurers; two directors shall represent employees; the commissioner of management and budget and the executive director of the state Board of Investment or their designees shall serve as directors; and one director shall represent the public. Insurer members of the reinsurance association shall elect the directors who represent insurers; self-insurer members of the reinsurance association shall elect the directors who represent self-insurers; and the commissioner of labor and industry shall appoint the remaining directors for the terms authorized in the plan of operation. Each director is entitled to one vote. Terms of the directors shall be staggered so that the terms of all the directors do not expire at the same time and so that a director does not serve a term of more than four years. The board shall select a chair and other officers it deems appropriate. A majority of the directors currently holding office constitutes a quorum. Action may be taken by a majority vote of the directors present. The board shall take reasonable and prudent action regarding the management of the reinsurance association including but not limited to determining the entity who shall manage the daily affairs of the reinsurance association. The board shall report to the governor of its actions regarding the entity selected to manage the reinsurance association and the reasons for the selection. History:  Ex1979 c 3 s 20; 1980 c 556 s 10; 1981 c 346 s 139; 1983 c 290 s 11; 1984 c 592 s 78; 1985 c 234 s 2; 1986 c 444; 1987 c 384 art 2 s 1; 2009 c 101 art 2 s 109
MN Stat § 79.39 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 79 — Workers' Compensation Insurance|Section 79.39 — Applicability Of Chapter 79.

79.39 APPLICABILITY OF CHAPTER 79. Subdivision 1. Examination by commissioner. The reinsurance association is subject to all the provisions of this chapter. The commissioner of labor and industry or an authorized representative of the commissioner may visit the reinsurance association at any time and examine, audit, or evaluate the reinsurance association's operations, records and practices. For purposes of this section, "authorized representative of the commissioner" includes employees of the Department of Labor and Industry or other parties retained by the commissioner. Subd. 2. Costs and expenses. The commissioner of labor and industry may order and the reinsurance association shall pay the costs and expenses of any examination, audit, or evaluation conducted pursuant to subdivision 1. History:  Ex1979 c 3 s 22; 1984 c 592 s 79; 1985 c 234 s 21
MN Stat § 79.40 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 79 — Workers' Compensation Insurance|Section 79.40 — Premium Inclusion In Ratemaking.

79.40 PREMIUM INCLUSION IN RATEMAKING. Premiums charged members by the reinsurance association shall be recognized in the ratemaking procedures for insurance rates. History:  Ex1979 c 3 s 23; 2005 c 132 s 25
MN Stat § 79.50 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 79 — Workers' Compensation Insurance|Section 79.50 — Purposes.

79.50 PURPOSES. The purposes of this chapter are to: (a) promote public welfare by regulating insurance rates so that premiums are not excessive, inadequate, or unfairly discriminatory; (b) promote quality and integrity in the databases used in workers' compensation insurance ratemaking; (c) prohibit price fixing agreements and anticompetitive behavior by insurers; (d) define the function and scope of activities of data service organizations; and (e) encourage insurers to provide alternative innovative methods whereby employers can meet the requirements imposed by section 176.181. History:  1981 c 346 s 21; 1995 c 231 art 1 s 1
MN Stat § 79.51 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 79 — Workers' Compensation Insurance|Section 79.51 — Rules.

79.51 RULES. Subdivision 1. Adoption. The commissioner shall adopt rules to implement provisions of this chapter. Subd. 2.  [Repealed, 1983 c 290 s 173] Subd. 3. Rules; subject matter. (a) The commissioner in issuing rules shall consider: (1) data reporting requirements, including types of data reported, such as loss and expense data; (2) experience rating plans; (3) retrospective rating plans; (4) general expenses and related expense provisions; (5) minimum premiums; (6) classification systems and assignment of risks to classifications; (7) loss development and trend factors; (8) the Workers' Compensation Reinsurance Association; (9) requiring substantial compliance with the rules mandated by this section as a condition of workers' compensation carrier licensure; (10) imposing limitations on the functions of workers' compensation data service organizations consistent with the introduction of competition; (11) the rules contained in the workers' compensation rating manual adopted by the workers' compensation insurers rating association or other licensed data service organizations; (12) the supporting data and information required in filings under section 79.56, including but not limited to, the experience of the filing insurer and the extent to which the filing insurer relies upon data service organization loss information, descriptions of the actuarial and statistical methods employed in setting rates, and the filing insurers interpretation of any statistical data relied upon; and (13) any other factors that the commissioner deems relevant to achieve the purposes of this chapter. (b) The rules shall provide for the following: (1) adequate safeguards against excessive or discriminatory rates in workers' compensation; (2) encouragement of workers' compensation insurance rates which are as low as reasonably necessary, but shall make provision against inadequate rates, insolvencies and unpaid benefits; (3) assurances that employers are not unfairly relegated to the assigned risk pool; (4) requiring all appropriate data and other information from insurers for the purpose of issuing rules, making legislative recommendations pursuant to this section; and (5) preserving a framework for risk classification, data collection, and other appropriate joint insurer services. Subd. 4.  [Repealed, 1999 c 86 art 2 s 6] History:  1981 c 346 s 22; 1983 c 290 s 12; 1988 c 629 s 14; 1993 c 132 s 1; 1995 c 231 art 1 s 2,3
MN Stat § 79.53 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 79 — Workers' Compensation Insurance|Section 79.53 — Premium Calculation.

79.53 PREMIUM CALCULATION. Subdivision 1. Method of calculation. Each insurer shall establish premiums to be paid by an employer according to its filed rates and rating plan as follows: Rates shall be applied to an exposure base to yield a base premium which may be further modified by merit rating, premium discounts, and other appropriate factors contained in the rating plan of an insurer to produce premium if the increase or decrease is not unfairly discriminatory. Nothing in this chapter shall be deemed to prohibit the use of any premium, provided the premium is not excessive, inadequate or unfairly discriminatory. Subd. 2.  [Repealed, 1995 c 231 art 1 s 36; art 2 s 110] History:  1981 c 346 s 24; 1983 c 289 s 114 subd 1; 1983 c 290 s 14; 1984 c 655 art 1 s 92; 1995 c 231 art 1 s 4; 1996 c 374 s 1
MN Stat § 79.531 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 79 — Workers' Compensation Insurance|Section 79.531 — Negligently Paid Claims.

79.531 NEGLIGENTLY PAID CLAIMS. An insurer who has negligently paid benefits under chapter 176 may not charge the payment to the employer's experience rating. History:   1986 c 461 s 1
MN Stat § 79.561 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 79 — Workers' Compensation Insurance|Section 79.561 — Disapproval Of Rates Or Rating Plans.

79.561 DISAPPROVAL OF RATES OR RATING PLANS. Subdivision 1. Disapproval; time period. The commissioner may disapprove a rate and rating plan or amendment thereto prior to its effective date, as provided under section 79.56, subdivision 1, if the commissioner determines that it is excessive, inadequate, or unfairly discriminatory. If the commissioner disapproves any rate or rating plan filing or amendment thereto, the commissioner shall advise the filing insurer what rate and rating plan the commissioner has reason to believe would be in compliance with section 79.55, and the reasons for that determination. An insurer may not implement a rate and rating plan or amendment thereto which has been disapproved under this subdivision. If the commissioner disapproves any rate and rating plan filing or amendment thereto, an insurer may use its current rate and rating plan for writing any workers' compensation insurance in this state. Following any disapproval, the commissioner and insurer may reach agreement on a rate or rating plan filing or amendment thereto. Notwithstanding any law to the contrary, in such cases, the rate or rating plan filing or amendment thereto may be implemented by the insurer immediately. Subd. 2. Hearing. If an insurer's rate or rating plan filing or amendment thereto is disapproved under subdivision 1, the insurer may request a contested case hearing under chapter 14. The insurer shall have the burden of proof to justify that its rate and rating plan or amendment thereto is in compliance with section 79.55. The hearing must be scheduled promptly and in no case later than three months from the date of disapproval or else the rate and rating plan or amendment thereto shall be considered effective and may be implemented by the insurer. A determination pursuant to chapter 14 must be made within 90 days following the closing of the hearing record. Subd. 3. Consultants and costs. The commissioner may retain consultants, including a consulting actuary or other experts, that the commissioner determines necessary for purposes of this chapter. The salary limit set by section 43A.17 does not apply to a consulting actuary retained under this subdivision. A consulting actuary shall be a fellow in the casualty actuarial society and shall have demonstrated experience in workers' compensation insurance ratemaking. Any individual not so qualified shall not render an opinion or testify on actuarial aspects of a filing, including but not limited to, data quality, loss development, and trending. The commissioner may determine the costs necessary for implementing and conducting a contested case hearing under subdivision 2, including, but not limited to, retaining any consulting actuaries and experts, and those costs shall be reimbursed by the special compensation fund. History:  1995 c 231 art 1 s 11; 1996 c 452 s 28
MN Stat § 79.59 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 79 — Workers' Compensation Insurance|Section 79.59 — Insurers And Data Service Organizations; Prohibited Activities.

79.59 INSURERS AND DATA SERVICE ORGANIZATIONS; PROHIBITED ACTIVITIES. Subdivision 1. Monopolization. No insurer or data service organization shall attempt to monopolize or combine or conspire with any other person to monopolize the business of insurance. Subd. 2. Agreement prohibited. No insurer shall agree with any other insurer or with a data service organization to adhere to or to use any rate, rating plan, rating schedule, rating rule, or underwriting rule except as specifically authorized by this chapter or for the purpose of creating experience modifications for employers with employees in more than one state. Subd. 3. Trade restraint. No insurer or data service organization shall make an agreement with any other insurer, data service organization, or other person which has the purpose or the effect of restraining trade or of substantially lessening competition. Subd. 4. Exceptions. The fact that insurers writing not more than 25 percent of the workers' compensation premiums in Minnesota use the same rates, rating plans, rating schedules, rating rules, underwriting rules, or similar materials shall not alone constitute a violation of subdivision 1 or 2. Two or more insurers under common ownership or operating under common management or control may act in concert between or among themselves with respect to matters authorized under this chapter as if they constituted a single insurer, provided that the rating plan of such insurers shall be considered to be a single plan for the purposes of determining unfair discrimination. Subd. 5. Additional prohibition. In addition to other prohibitions contained in this chapter, no data service organization shall: (1) refuse to supply any service for which it is licensed or any data, except for data identifiable to an individual insurer, to any insurer authorized to do business in this state which offers to pay the usual compensation for the service or data; (2) require the purchase of any specific service as a condition to obtaining any other services sought; (3) participate in the development or distribution of rates, rating plans, or rating rules except as specifically authorized by this chapter or by rules adopted pursuant to this chapter; or (4) refuse membership to any licensed insurer. History:   1981 c 346 s 30
MN Stat § 79.60 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 79 — Workers' Compensation Insurance|Section 79.60 — Insurers; Required And Permitted Activity.

79.60 INSURERS; REQUIRED AND PERMITTED ACTIVITY. Subdivision 1. Required activity. Each insurer shall perform the following activities: (1) maintain membership in and report loss experience data to a licensed data service organization in accordance with the statistical plan and rules of the organization as approved by the commissioner; (2) establish a plan for merit rating which shall be consistently applied to all insureds, provided that members of a data service organization may use merit rating plans developed by that data service organization; (3) provide an annual report to the commissioner containing the information and prepared in the form required by the commissioner; (4) keep a record of the premiums and losses paid under each workers' compensation policy written in Minnesota in the form required by the commissioner; (5) provide to the association, upon request, information about its insurance premiums, losses, and operations which the association shall request in order to prepare and file with the commissioner and the Rate Oversight Commission the filings required by this chapter; and (6) pay to the association its equitable share of the costs of preparing the filing with the commissioner and the Rate Oversight Commission required by this chapter. Subd. 2. Permitted activity. In addition to any other activities not prohibited by this chapter, insurers may: (1) through licensed data service organizations, individually, or with insurers commonly owned, managed, or controlled, conduct research and collect statistics to investigate, identify, and classify information relating to causes or prevention of losses; (2) develop and use classification plans and rates based upon any reasonable factors; and (3) develop rules for the assignment of risks to classifications. History:  1981 c 346 s 31; 1995 c 231 art 2 s 16