reglab/housing_qa huggingface dataset:
MI Comp L § 500.3448 (2021)
2021 Michigan Compiled Laws|Chapter 500 - Insurance Code of 1956|Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302)|218-1956-34 - Chapter 34 Disability Insurance Policies (500.3400...500.3480)|Section 500.3448 - Cancellation; Optional Provision.

500.3448 Cancellation; optional provision.  Sec. 3448.  There may be a provision as follows:  CANCELLATION: The insurer may cancel this policy at any time by written notice delivered to the insured, or mailed to the insured, stating when, not less than 5 days thereafter, the cancellation shall be effective; and after the policy has been continued beyond its original term the insured may cancel this policy at any time by written notice delivered or mailed to the insurer, effective upon receipt or on a later date as may be specified in the notice. In the event of cancellation, the insurer may retain the pro rata premium for the expired time or $25.00, whichever is greater. Cancellation is without prejudice to any claim originating prior to the effective date of cancellation. History: 1956, Act 218, Eff. Jan. 1, 1957 ;-- Am. 1987, Act 168, Imd. Eff. Nov. 9, 1987 ;-- Am. 1990, Act 170, Imd. Eff. July 2, 1990 Popular Name: Act 218
MI Comp L § 500.3450 (2021)
2021 Michigan Compiled Laws|Chapter 500 - Insurance Code of 1956|Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302)|218-1956-34 - Chapter 34 Disability Insurance Policies (500.3400...500.3480)|Section 500.3450 - Conformity With State Statutes; Optional Provision.

500.3450 Conformity with state statutes; optional provision. Sec. 3450.  There may be a provision as follows:  CONFORMITY WITH STATE STATUTES: Any provision of this policy which, on its effective date, is in conflict with the statutes of the state in which the insured resides on such date is hereby amended to conform to the minimum requirements of such statutes. History: 1956, Act 218, Eff. Jan. 1, 1957 Popular Name: Act 218
MI Comp L § 500.3452 (2021)
2021 Michigan Compiled Laws|Chapter 500 - Insurance Code of 1956|Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302)|218-1956-34 - Chapter 34 Disability Insurance Policies (500.3400...500.3480)|Section 500.3452 - Illegal Occupation or Criminal Activity; Optional Provision; Definitions.

500.3452 Illegal occupation or criminal activity; optional provision; definitions.Sec. 3452.  (1) An insurer may include in a disability insurance policy a provision as follows:  ILLEGAL OCCUPATION OR CRIMINAL ACTIVITY: The insurer is not liable for any loss to which a contributing cause was the insured's commission of or attempt to commit a felony or to which a contributing cause was the insured's being engaged in an illegal occupation or other willful criminal activity.  (2) As used in this section:  (a) "Willful criminal activity" includes, but is not limited to, any of the following:  (i) Operating a vehicle while intoxicated in violation of section 625 of the Michigan vehicle code, 1949 PA 300, MCL 257.625, or similar law in a jurisdiction outside of this state.  (ii) Operating a methamphetamine laboratory. As used in this subdivision, "methamphetamine laboratory" means that term as defined in section 1 of 2006 PA 255, MCL 333.26371.  (b) "Willful criminal activity" does not include a civil infraction or other activity that does not rise to the level of a misdemeanor or felony. History: 1956, Act 218, Eff. Jan. 1, 1957 ;-- Am. 2016, Act 276, Imd. Eff. July 1, 2016 Popular Name: Act 218
MI Comp L § 500.3454 (2021)
2021 Michigan Compiled Laws|Chapter 500 - Insurance Code of 1956|Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302)|218-1956-34 - Chapter 34 Disability Insurance Policies (500.3400...500.3480)|Section 500.3454 - Repealed. 1980, Act 429, Eff. Mar. 31, 1981.

500.3454 Repealed. 1980, Act 429, Eff. Mar. 31, 1981. Compiler's Notes: The repealed section pertained to intoxicants and narcotics.Popular Name: Act 218
MI Comp L § 500.3460 (2021)
2021 Michigan Compiled Laws|Chapter 500 - Insurance Code of 1956|Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302)|218-1956-34 - Chapter 34 Disability Insurance Policies (500.3400...500.3480)|Section 500.3460 - Order of Certain Policy Provisions.

500.3460 Order of certain policy provisions.  Sec. 3460.  The provisions which are the subject of sections 3406 through 3454, or any corresponding provisions which are used in lieu thereof in accordance with such sections, shall be printed in the consecutive order of the provisions in such sections or, at the option of the insurer, any such provision may appear as a unit in any part of the policy, with other provisions to which it may be logically related, provided the resulting policy shall not be in whole or in part unintelligible, uncertain, ambiguous, abstruse, or likely to mislead a person to whom the policy is offered, delivered or issued. History: 1956, Act 218, Eff. Jan. 1, 1957 Popular Name: Act 218
MI Comp L § 500.3462 (2021)
2021 Michigan Compiled Laws|Chapter 500 - Insurance Code of 1956|Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302)|218-1956-34 - Chapter 34 Disability Insurance Policies (500.3400...500.3480)|Section 500.3462 - Third Party Ownership of Policy.

500.3462 Third party ownership of policy.  Sec. 3462.  The word "insured", as used in this chapter, shall not be construed as preventing a person other than the insured with a proper insurable interest from making application for and owning a policy covering the insured or from being entitled under such a policy to any indemnities, benefits and rights provided therein. History: 1956, Act 218, Eff. Jan. 1, 1957 Popular Name: Act 218
MI Comp L § 500.3464 (2021)
2021 Michigan Compiled Laws|Chapter 500 - Insurance Code of 1956|Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302)|218-1956-34 - Chapter 34 Disability Insurance Policies (500.3400...500.3480)|Section 500.3464 - Foreign or Alien Insurers; Provision Required by Other State Law; Domestic Insurers; Provision Required by Other State or Country.

500.3464 Foreign or alien insurers; provision required by other state law; domestic insurers; provision required by other state or country. Sec. 3464.  (1) Any policy of a foreign or alien insurer, when delivered or issued for delivery to any person in this state, may contain any provision which is not less favorable to the insured or the beneficiary than the provisions of this chapter and which is prescribed or required by the law of the state under which the insurer is organized.  (2) Any policy of a domestic insurer may, when issued for delivery in any other state or country, contain any provision permitted or required by the laws of such other state or country. History: 1956, Act 218, Eff. Jan. 1, 1957 Popular Name: Act 218
MI Comp L § 500.3466 (2021)
2021 Michigan Compiled Laws|Chapter 500 - Insurance Code of 1956|Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302)|218-1956-34 - Chapter 34 Disability Insurance Policies (500.3400...500.3480)|Section 500.3466 - Filing Procedure; Insurance Commissioner, Regulatory Powers.

500.3466 Filing procedure; insurance commissioner, regulatory powers. Sec. 3466.  The commissioner may make such reasonable rules and regulations concerning the procedure for the filing or submission of policies subject to this chapter as are necessary, proper or advisable to the administration of this chapter. This provision shall not abridge any other authority granted the commissioner by law. History: 1956, Act 218, Eff. Jan. 1, 1957 Popular Name: Act 218
MI Comp L § 500.3468 (2021)
2021 Michigan Compiled Laws|Chapter 500 - Insurance Code of 1956|Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302)|218-1956-34 - Chapter 34 Disability Insurance Policies (500.3400...500.3480)|Section 500.3468 - Provisions Violating Code; Construction of Noncomplying Policies and Provisions.

500.3468 Provisions violating code; construction of noncomplying policies and provisions. Sec. 3468.  (1) No policy provision which is not subject to sections 3406 through 3454 shall make a policy, or any portion thereof, less favorable in any respect to the insured or the beneficiary than the provisions thereof which are subject to this chapter.  (2) A policy delivered or issued for delivery to any person in this state in violation of this insurance code shall be held valid but shall be construed as provided in this code. When any provision in a policy subject to this chapter is in conflict with any provision of this chapter, the rights, duties and obligations of the insurer, the insured and the beneficiary shall be governed by the provisions of this chapter. History: 1956, Act 218, Eff. Jan. 1, 1957 Popular Name: Act 218
MI Comp L § 500.3470 (2021)
2021 Michigan Compiled Laws|Chapter 500 - Insurance Code of 1956|Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302)|218-1956-34 - Chapter 34 Disability Insurance Policies (500.3400...500.3480)|Section 500.3470 - Age of Insured; Provision Regulations.

500.3470 Age of insured; provision regulations.  Sec. 3470.  If any such policy contains a provision establishing, as an age limit or otherwise, a date after which the coverage provided by the policy will not be effective, and if such date falls within a period for which premium is accepted by the insurer or if the insurer accepts a premium after such date, the coverage provided by the policy will continue in force subject to any right of cancellation until the end of the period for which premium has been accepted. In the event the age of the insured has been misstated and if, according to the correct age of the insured, the coverage provided by the policy would not have become effective, or would have ceased prior to the acceptance of such premium or premiums, then the liability of the insurer shall be limited to the refund, upon request, of all premiums paid for the period not covered by the policy.  History: 1956, Act 218, Eff. Jan. 1, 1957 Popular Name: Act 218
MI Comp L § 500.3474 (2021)
2021 Michigan Compiled Laws|Chapter 500 - Insurance Code of 1956|Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302)|218-1956-34 - Chapter 34 Disability Insurance Policies (500.3400...500.3480)|Section 500.3474 - Risk Classification; Rates; Filing Requirements.

500.3474 Risk classification; rates; filing requirements. Sec. 3474.  No policy of insurance against loss or expense from the sickness, or from the bodily injury or death from accident of the insured, nor any application, rider or endorsement to be used in connection therewith, shall be delivered or issued for delivery to any person in this state, until the classification of risks and any premium rates pertaining thereto have been filed with the department of insurance.  History: 1956, Act 218, Eff. Jan. 1, 1957 Popular Name: Act 218
MI Comp L § 500.3474a (2021)
2021 Michigan Compiled Laws|Chapter 500 - Insurance Code of 1956|Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302)|218-1956-34 - Chapter 34 Disability Insurance Policies (500.3400...500.3480)|Section 500.3474a - Premium Rate After January 1, 2014; Basis; Factors.

500.3474a Premium rate after January 1, 2014; basis; factors.Sec. 3474a.  The premium rate charged by an insurer, health maintenance organization, or nonprofit health care corporation for health insurance coverage offered through a policy or certificate delivered, issued for delivery, or renewed in this state on or after January 1, 2014 in the individual or small group market shall vary based on the following factors only:  (a) Whether the policy or certificate covers an individual or family.  (b) The rating area.  (c) Age, except that the premium rate shall not vary by more than 3 to 1 for adults for all plans other than child-only plans.  (d) Tobacco use, except that the premium rate shall not vary by more than 1.5 to 1. History: Add. 2013, Act 5, Imd. Eff. Mar. 18, 2013 Popular Name: Act 218
MI Comp L § 500.3475 (2021)
2021 Michigan Compiled Laws|Chapter 500 - Insurance Code of 1956|Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302)|218-1956-34 - Chapter 34 Disability Insurance Policies (500.3400...500.3480)|Section 500.3475 - Reimbursement for Services by Licensed Psychologist, Podiatrist, or Chiropractor; Section Inapplicable to Policy Involving Prudent Purchaser Agreement.

500.3475 Reimbursement for services by licensed psychologist, podiatrist, or chiropractor; section inapplicable to policy involving prudent purchaser agreement.Sec. 3475.  (1) Notwithstanding any provision of a disability insurance policy, if the disability insurance policy provides for reimbursement for any service that is legally performed by a person fully licensed as a psychologist under part 182 of the public health code, 1978 PA 368, MCL 333.18201 to 333.18237; by a podiatrist licensed under part 180 of the public health code, 1978 PA 368, MCL 333.18001 to 333.18058; or by a chiropractor licensed under part 164 of the public health code, 1978 PA 368, MCL 333.16401 to 333.16431, the insurer shall not deny reimbursement under the insurance policy if the service is rendered by a person fully licensed as a psychologist under part 182 of the public health code, 1978 PA 368, MCL 333.18201 to 333.18237; by a podiatrist licensed under part 180 of the public health code, 1978 PA 368, MCL 333.18001 to 333.18058; or by a chiropractor licensed under part 164 of the public health code, 1978 PA 368, MCL 333.16401 to 333.16431, within the statutory provisions provided in his or her individual practice act.   (2) This section does not require coverage for a psychologist in an insurance policy. This section does not require coverage or reimbursement for any of the following:  (a) A practice of chiropractic service unless the service was included in the definition of practice of chiropractic under section 16401 of the public health code, 1978 PA 368, MCL 333.16401, as of January 1, 2009.   (b) A service provided by a physical therapist or physical therapist assistant unless the service was provided by a licensed physical therapist or physical therapist assistant under the supervision of a licensed physical therapist pursuant to a prescription from a health care professional who holds a license issued under part 166, 170, 175, or 180 of the public health code, 1978 PA 368, MCL 333.16601 to 333.16648, 333.17001 to 333.17084, 333.17501 to 333.17556, and 333.18001 to 333.18058, or the equivalent license issued by another state.  (3) This section does not apply to a policy written under section 3405 that involves a prudent purchaser agreement. History: Add. 1963, Act 56, Eff. Sept. 6, 1963 ;-- Am. 1966, Act 92, Imd. Eff. June 15, 1966 ;-- Am. 1968, Act 182, Eff. Nov. 15, 1968 ;-- Am. 1984, Act 280, Imd. Eff. Dec. 20, 1984 ;-- Am. 2009, Act 227, Imd. Eff. Jan. 5, 2010 ;-- Am. 2014, Act 263, Imd. Eff. July 1, 2014 ;-- Am. 2016, Act 276, Imd. Eff. July 1, 2016 Popular Name: Act 218
MI Comp L § 500.3476 (2021)
2021 Michigan Compiled Laws|Chapter 500 - Insurance Code of 1956|Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302)|218-1956-34 - Chapter 34 Disability Insurance Policies (500.3400...500.3480)|Section 500.3476 - Telemedicine Services; Provisions; Definitions.

500.3476 Telemedicine services; provisions; definitions.Sec. 3476.  (1) An insurer that delivers, issues for delivery, or renews in this state a health insurance policy shall not require face-to-face contact between a health care professional and a patient for services appropriately provided through telemedicine, as determined by the insurer. Telemedicine services must be provided by a health care professional who is licensed, registered, or otherwise authorized to engage in his or her health care profession in the state where the patient is located. Telemedicine services are subject to all terms and conditions of the health insurance policy agreed upon between the policy holder and the insurer, including, but not limited to, required copayments, coinsurances, deductibles, and approved amounts.  (2) As used in this section:   (a) After December 31, 2017, "insurer" includes a nonprofit dental care corporation operating under 1963 PA 125, MCL 550.351 to 550.373.  (b) "Telemedicine" means the use of an electronic media to link patients with health care professionals in different locations. To be considered telemedicine under this section, the health care professional must be able to examine the patient via a health insurance portability and accountability act of 1996, Public Law 104-191 compliant, secure interactive audio or video, or both, telecommunications system, or through the use of store and forward online messaging.  History: Add. 2012, Act 215, Imd. Eff. June 28, 2012 ;-- Am. 2016, Act 276, Imd. Eff. July 1, 2016 ;-- Am. 2017, Act 223, Imd. Eff. Dec. 20, 2017 ;-- Am. 2020, Act 97, Imd. Eff. June 24, 2020 Popular Name: Act 218
MI Comp L § 500.3477 (2021)
2021 Michigan Compiled Laws|Chapter 500 - Insurance Code of 1956|Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302)|218-1956-34 - Chapter 34 Disability Insurance Policies (500.3400...500.3480)|Section 500.3477 - Use of Financial Incentive or Payment to Act as Inducement to Deny, Reduce, Limit, or Delay Services; Prohibition; Exception.

500.3477 Use of financial incentive or payment to act as inducement to deny, reduce, limit, or delay services; prohibition; exception.Sec. 3477.  (1) An insurer shall not use any financial incentive or make any payment to a health professional that acts directly or indirectly as an inducement to deny, reduce, limit, or delay specific medically necessary and appropriate services.  (2) Subsection (1) does not prohibit payment arrangements that are not tied to specific medical decisions or prohibit the use of risk sharing as otherwise authorized in this chapter. History: Add. 2016, Act 276, Imd. Eff. July 1, 2016 Popular Name: Act 218
MI Comp L § 500.3480 (2021)
2021 Michigan Compiled Laws|Chapter 500 - Insurance Code of 1956|Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302)|218-1956-34 - Chapter 34 Disability Insurance Policies (500.3400...500.3480)|Section 500.3480 - Repealed. 1963, Act 127, Eff. Sept. 6, 1963.

500.3480 Repealed. 1963, Act 127, Eff. Sept. 6, 1963. Compiler's Notes: The section imposed penalties for violation of disability insurance provisions.Popular Name: Act 218
MI Comp L § 500.3503 (2021)
2021 Michigan Compiled Laws|Chapter 500 - Insurance Code of 1956|Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302)|218-1956-35 - Chapter 35 Health Maintenance Organizations (500.3501...500.3580)|Section 500.3503 - Applicability of Provisions to Health Maintenance Organization.

500.3503 Applicability of provisions to health maintenance organization.Sec. 3503.  (1) Unless specifically excluded, or otherwise specifically provided for in this chapter, all of the provisions of this act that apply to a domestic insurer authorized to issue a health insurance policy apply to a health maintenance organization.   (2) Sections 408, 410, 411, and 901, and chapters 77 and 79 do not apply to a health maintenance organization. History: Add. 2000, Act 252, Imd. Eff. June 29, 2000 ;-- Am. 2006, Act 366, Imd. Eff. Sept. 18, 2006 ;-- Am. 2016, Act 276, Imd. Eff. July 1, 2016 Popular Name: Act 218Popular Name: HMO
MI Comp L § 500.3505 (2021)
2021 Michigan Compiled Laws|Chapter 500 - Insurance Code of 1956|Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302)|218-1956-35 - Chapter 35 Health Maintenance Organizations (500.3501...500.3580)|Section 500.3505 - Health Maintenance Contract; Use of Descriptive Words; Restrictions.

500.3505 Health maintenance contract; use of descriptive words; restrictions.Sec. 3505.  (1) A health maintenance organization shall not issue a health maintenance contract before it receives a certificate of authority under this act.  (2) A person shall not use the term health maintenance organization to describe or refer to a person, and a person shall not use any other descriptive words that may mislead, deceive, or imply that it is a health maintenance organization, unless the person described or referred to has a certificate of authority as a health maintenance organization under this act.  (3) Except as otherwise provided in this subsection, a health maintenance organization shall not use in its name, contracts, or literature the words "insurance", "casualty", "surety", or "mutual" or any other words descriptive of an insurance, casualty, or surety business or deceptively similar to the name or description of an insurance or surety corporation doing business in this state. A health maintenance organization may use a name or description that is similar to its affiliate. History: Add. 2000, Act 252, Imd. Eff. June 29, 2000 ;-- Am. 2016, Act 276, Imd. Eff. July 1, 2016 Popular Name: Act 218Popular Name: HMO
MI Comp L § 500.3507 (2021)
2021 Michigan Compiled Laws|Chapter 500 - Insurance Code of 1956|Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302)|218-1956-35 - Chapter 35 Health Maintenance Organizations (500.3501...500.3580)|Section 500.3507 - Authorizing and Regulating Health Maintenance Organization; Establishment of System by Director.

500.3507 Authorizing and regulating health maintenance organization; establishment of system by director.Sec. 3507.  The director shall establish a system of authorizing and regulating health maintenance organizations in this state to protect and promote the public health through the assurance that the organizations provide all of the following:  (a) An acceptable quality of health care by qualified personnel.  (b) Health care facilities, equipment, and personnel that may reasonably be required to economically provide health services.  (c) Operational arrangements that integrate the delivery of various services.  (d) Financially sound prepayment plans for meeting health care costs. History: Add. 2000, Act 252, Imd. Eff. June 29, 2000 ;-- Am. 2016, Act 276, Imd. Eff. July 1, 2016 Popular Name: Act 218Popular Name: HMO
MI Comp L § 500.3508 (2021)
2021 Michigan Compiled Laws|Chapter 500 - Insurance Code of 1956|Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302)|218-1956-35 - Chapter 35 Health Maintenance Organizations (500.3501...500.3580)|Section 500.3508 - Quality Assessment Program; Quality Improvement Program.

500.3508 Quality assessment program; quality improvement program.Sec. 3508.  (1) A health maintenance organization shall develop and maintain a quality assessment program that includes, at a minimum, systematic collection, analysis, and reporting of relevant data in accordance with statutory and regulatory requirements.   (2) A health maintenance organization shall establish and maintain a quality improvement program to design, measure, assess, and improve the processes and outcomes of health care as identified in the program. A health maintenance organization shall place the quality improvement program under the direction of its medical director and include all of the following in the program:  (a) A written statement of the program's objectives, lines of authority and accountability, evaluation tools, including data collection responsibilities, and performance improvement activities.  (b) An annual effectiveness review of the program.  (c) A written quality improvement plan that, at a minimum, describes how the health maintenance organization analyzes both the processes and outcomes of care, identifies the targeted diagnoses and treatments to be reviewed each year, uses a range of appropriate methods to analyze quality, compares program findings with past performance and internal goals and external standards, measures the performance of affiliated providers, and conducts peer review activities. History: Add. 2000, Act 252, Imd. Eff. June 29, 2000 ;-- Am. 2016, Act 276, Imd. Eff. July 1, 2016 Popular Name: Act 218Popular Name: HMO