reglab/housing_qa huggingface dataset:
18 DE Code § 3124. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 31. Group Life Insurance|§ 3124. Information to debtors.

§ 3124. Information to debtors. In the case of a policy insuring the lives of debtors, such a group life insurance policy shall contain a provision that the insurer will furnish to the policyholder for delivery to each debtor insured under the policy a certificate of insurance describing the coverage and specifying that the death benefit shall first be applied to reduce or extinguish the indebtedness. 18 Del. C. 1953, §  3122;  56 Del. Laws, c. 380, §  1;  65 Del. Laws, c. 480, §  1;
18 DE Code § 3125. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 31. Group Life Insurance|§ 3125. Notice as to conversion right.

§ 3125. 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 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 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 15 days next after the individual is given such notice but in no event shall such additional period extend beyond 60 days next after the expiration date of the period provided in such policy. Written notice presented to 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. 18 Del. C. 1953, §  3123;  56 Del. Laws, c. 380, §  1;  65 Del. Laws, c. 480, §  1;
18 DE Code § 3126. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 31. Group Life Insurance|§ 3126. Readjustment of premium.

§ 3126. Readjustment of premium. Any group life insurance contract may provide for a readjustment of the premium rate based upon the experience thereunder. 18 Del. C. 1953, §  3124;  56 Del. Laws, c. 380, §  1;  65 Del. Laws, c. 480, §  1;
18 DE Code § 3127. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 31. Group Life Insurance|§ 3127. Application of dividends; rate deduction.

§ 3127. Application of dividends; rate deduction. 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. 18 Del. C. 1953, §  3125;  56 Del. Laws, c. 380, §  1;  65 Del. Laws, c. 480, §  1;
18 DE Code § 3128. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 31. Group Life Insurance|§ 3128. Notification and reasons for cancellation [For application of this section, see 79 Del. Laws, c. 390, § 8].

§ 3128. Notification and reasons for cancellation [For application of this section, see 79 Del. Laws, c. 390, § 8]. A notice of cancellation of group life insurance coverage by an insurer due to nonpayment of premiums shall be in writing, shall be delivered to the policyholder or mailed to the policyholder at the last known address of the policyholder, shall state the effective date of the cancellation and shall be accompanied by a written explanation of the specific reasons for the cancellation. Proof of mailing of such cancellation notice shall be retained by the insurer for a period of not less than 1 year. 79 Del. Laws, c. 390, §  2;
18 DE Code § 3201. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 32. Group Life Insurance for State Employees|§ 3201. “Employee” defined.

§ 3201. “Employee” defined. “Employee” shall mean a person who has been continuously employed by the State for 3 full calendar months immediately preceding the first day of any given month (exclusive of legal holidays and allowable leave) and who works the regularly scheduled full-time hours of the employing agency, or at least 30 or more hours per week, or 130 hours per month (with allowable interruptions) throughout the year. “Employee” shall include all elected and appointed state officials. 18 Del. C. 1953, §  3201;  56 Del. Laws, c. 380, §  1;  58 Del. Laws, c. 236;  72 Del. Laws, c. 94, §  42;
18 DE Code § 3202. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 32. Group Life Insurance for State Employees|§ 3202. Group life insurance.

§ 3202. Group life insurance. Subject to Chapter 31 of this title, the State may enter into a contract of group life insurance including accidental death and dismemberment coverage with an insurance company or companies authorized to transact business within this State, which insurance shall specifically cover state employees or any class or classes thereof. 18 Del. C. 1953, §  3202;  56 Del. Laws, c. 380, §  1;  58 Del. Laws, c. 236.;
18 DE Code § 3203. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 32. Group Life Insurance for State Employees|§ 3203. Life insurance premiums.

§ 3203. Life insurance premiums. The State may pay part of the premiums or charges for such group life insurance contract or contracts and may appropriate any money necessary to pay such premiums or charges, or portions thereof. Notwithstanding any other provision of the law, any contribution required of any employee toward the cost of such insurance may be deducted from the pay, salary or compensation of such employee. The expenditure of funds of the State for payment of part of the premiums shall be deemed to be a regular business expenditure and shall not be considered compensation paid to the employee so insured. 18 Del. C. 1953, §  3203;  56 Del. Laws, c. 380, §  1;  58 Del. Laws, c. 236.;
18 DE Code § 3204. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 32. Group Life Insurance for State Employees|§ 3204. Eligibility and waiver.

§ 3204. Eligibility and waiver. Any contract of insurance procured pursuant to this chapter shall provide that each employee becoming eligible for insurance thereunder shall become insured, subject to any “actively at-work” requirement or requirements as to the health of the persons to be covered as specified in the insurance contract, at such time as the eligible employee submits an application for insurance and agrees to pay the applicable premium. 18 Del. C. 1953, §  3204;  56 Del. Laws, c. 380, §  1;  58 Del. Laws, c. 236;  70 Del. Laws, c. 186, §  1;  74 Del. Laws, c. 23, §  1;
18 DE Code § 3205. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 32. Group Life Insurance for State Employees|§ 3205. Amount of coverage.

§ 3205. Amount of coverage. (a) The amount of group life insurance on the life of any employee shall be at least in the following amount: The employee's annual regular salary rounded to the next higher even thousand dollar subject to maxima established by the State Employee Benefits Committee. Contributions by the employee and the State to the cost of such insurance may be based on reasonable age classifications. (b) The State Employee Benefits Committee shall meet at least annually to review the State's Group Life Insurance Plan and, when appropriate, adopt improvements thereto for the purpose of extending existing amounts or types, or both, of group life insurance coverage for state employees. 18 Del. C. 1953, §  3205;  56 Del. Laws, c. 380, §  1;  58 Del. Laws, c. 236;  63 Del. Laws, c. 100, §  3;  65 Del. Laws, c. 399, §  1;  72 Del. Laws, c. 204, §  8;
18 DE Code § 3206. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 32. Group Life Insurance for State Employees|§ 3206. State Employee Benefits Committee.

§ 3206. State Employee Benefits Committee. (a) After reviewing competitive group plans, the State Employee Benefits Committee established by § 9602 of Title 29 shall select a carrier deemed to offer the best plan to satisfy the interests of the State and of its employees in carrying out the intent of this chapter. Such contract shall be for a uniform term of at least 1 year, but may be continued automatically at the option of the State Employee Benefits Committee from term to term in accordance with recognized group life insurance practices. (b) The State Employee Benefits Committee shall be empowered to adopt rules and regulations which it deems necessary for the administration of the State's Group Life Insurance Plan. 18 Del. C. 1953, §  3206;  56 Del. Laws, c. 380, §  1;  58 Del. Laws, c. 236;  63 Del. Laws, c. 100, §  3;  70 Del. Laws, c. 186, §  1;  72 Del. Laws, c. 204, §  9;
18 DE Code § 3207. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 32. Group Life Insurance for State Employees|§ 3207. Legal agent of the State.

§ 3207. Legal agent of the State. The Secretary of the Department of Human Resources shall be the legal agent for the State and shall be empowered to enter into the contract for group life insurance with any insurance carrier designated by the State Employee Benefits Committee. 18 Del. C. 1953, §  3207;  56 Del. Laws, c. 380, §  1;  58 Del. Laws, c. 236;  69 Del. Laws, c. 64, §  80;  72 Del. Laws, c. 204, §  10;  75 Del. Laws, c. 88, §  20(4);  81 Del. Laws, c. 66, § 12;
18 DE Code § 3208. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 32. Group Life Insurance for State Employees|§ 3208. Administration of chapter.

§ 3208. Administration of chapter. The Secretary of the Department of Human Resources may perform all acts necessary or proper for administration of the insurance coverage provided. 18 Del. C. 1953, §  3208;  56 Del. Laws, c. 380, §  1;  58 Del. Laws, c. 236;  72 Del. Laws, c. 204, §  11;  75 Del. Laws, c. 88, §  20(4);  81 Del. Laws, c. 66, § 13;
18 DE Code § 3209. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 32. Group Life Insurance for State Employees|§ 3209. Application of dividends.

§ 3209. Application of dividends. Dividends payable from group life insurance may be used to offset any contribution made by the State in the form of money or administrative costs, including the salaries of employees working full-time on the program and any other related expenses deemed appropriate by the State Employee Benefits Committee. 18 Del. C. 1953, §  3209;  56 Del. Laws, c. 380, §  1;  58 Del. Laws, c. 236;  72 Del. Laws, c. 204, §  12;
18 DE Code § 3210. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 32. Group Life Insurance for State Employees|§ 3210. Group Life Insurance Fund.

§ 3210. Group Life Insurance Fund. Dividends in excess of any deduction made by the State for its contributions may be used solely for the benefit of the subscribers to the group life insurance program, and shall be maintained in a special fund identified as the Group Life Insurance Fund, which Fund shall be administered by the State Employee Benefits Committee. Funds derived from such dividends shall be invested by the State Treasurer in accordance with guidelines established by the Cash Management Policy Board, with all income from such investments reverting to the Group Life Insurance Fund. Under no circumstances shall these funds become a part of the State General Fund, or any fund other than the Group Life Insurance Fund. 18 Del. C. 1953, §  3210;  56 Del. Laws, c. 380, §  1;  58 Del. Laws, c. 236;  63 Del. Laws, c. 142, §  56;  72 Del. Laws, c. 204, §  13;
18 DE Code § 3211. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 32. Group Life Insurance for State Employees|§ 3211. Validity of contracts.

§ 3211. Validity of contracts. This chapter shall not be construed to impair the validity of any contractive group life insurance plan for employees of the State which shall be in effect on July 9, 1971, but nothing herein contained shall permit duplicate coverage in any instance where the State would be a contributor to more than 1 plan. 18 Del. C. 1953, §  3211;  56 Del. Laws, c. 380, §  1;  58 Del. Laws, c. 236.;
18 DE Code § 3401. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 34. Medicare Supplement Insurance Minimum Standards|§ 3401. Definitions.

§ 3401. Definitions. (a) “Applicant” means:  (1) In the case of an individual Medicare supplement policy, the person who seeks to contract for insurance benefits; and (2) In the case of a group Medicare supplement policy, the proposed certificate holder. (b) “Certificate” means, for the purposes of this chapter, any certificate delivered or issued for delivery in this State under a group Medicare supplement policy. (c) “Certificate form” means the form on which the certificate is delivered or issued for delivery by the issuer. (d) “Issuer” includes insurance companies, fraternal benefit societies, health-care service plans, health maintenance organizations and any other entity delivering or issuing for delivery in this State Medicare supplement policies or certificates. (e) “Medicare” means the “Health Insurance for the Aged Act,” Title XVIII of the Social Security Amendments of 1965 [42 U.S.C. § 1395 et seq.], as then constituted or later amended. (f) “Medicare supplement policy” means a group or individual policy of accident and sickness insurance or a subscriber contract of hospital and medical service associations or health maintenance organizations, other than a policy issued pursuant to a contract under § 1876 of the Federal Social Security Act (42 U.S.C. § 1395mm), or an issued policy under a demonstration project specified in the 42 U.S.C. § 1395(g)(1), which is advertised, marketed or designed primarily as a supplement to reimbursements under Medicare for the hospital, medical or surgical expenses of persons eligible for Medicare. (g) “Policy form” means the form on which the policy is delivered or issued for delivery by the issuer. 63 Del. Laws, c. 262, §  2;  67 Del. Laws, c. 45, §  1;  68 Del. Laws, c. 237, §  1;  70 Del. Laws, c. 156, §  1;
18 DE Code § 3402. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 34. Medicare Supplement Insurance Minimum Standards|§ 3402. Applicability; scope.

§ 3402. Applicability; scope. (a) Except as otherwise specifically provided in this title, this chapter shall apply to:  (1) All Medicare supplement policies delivered or issued for delivery in this State on or after May 13, 1992; and (2) All certificates issued under group Medicare supplement policies, which certificates have been delivered or issued for delivery in this State. (b) This chapter shall not apply to a policy of 1 or more employers or labor organizations, or of the trustees of a fund established by 1 or more employers or labor organizations, or combination thereof, for employees or former employees or a combination thereof, or for members or former members, or a combination thereof, of the labor organizations. (c) Except as otherwise provided in § 3405(d) of this title, the provisions of this chapter are not intended to prohibit or apply to insurance policies or health-care benefit plans, including group conversion policies, provided to Medicare eligible persons which policies are not marketed or held to be Medicare supplement policies or benefit plans. 67 Del. Laws, c. 45, §  1;  68 Del. Laws, c. 237, §  1;  70 Del. Laws, c. 156, §§  2, 3;
18 DE Code § 3404. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 34. Medicare Supplement Insurance Minimum Standards|§ 3404. Loss ratio standards.

§ 3404. Loss ratio standards. Medicare supplement policies shall return to policyholders benefits which are reasonable in relation to the premium charged. The Commissioner shall issue reasonable regulations to establish minimum standards for loss ratios of Medicare supplement policies on the basis of incurred claims experience, or incurred health-care expenses where coverage is provided by a health maintenance organization on a service rather than reimbursement basis, and earned premiums in accordance with accepted actuarial principles and practices. 63 Del. Laws, c. 262, §  2;  67 Del. Laws, c. 45, §  1;  68 Del. Laws, c. 237, §  1;
18 DE Code § 3405. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 34. Medicare Supplement Insurance Minimum Standards|§ 3405. Disclosure standards.

§ 3405. Disclosure standards. (a) In order to provide for full and fair disclosure in the sale of Medicare supplement policies, no Medicare supplement policy or certificate shall be delivered in this State unless an outline of coverage is delivered to the applicant at the time application is made. (b) The Commissioner shall prescribe the format and content of the outline of coverage required by subsection (a) of this section. For purposes of this section, “format” means style, arrangements and overall appearance, including such items as the size, color and prominence of type and arrangement of text and captions. Such outline of coverage shall include:  (1) A description of the principal benefits and coverage provided in the policy; (2) A statement of the renewal provisions, including any reservation by the issuer of a right to change premiums; and disclosure of the existence of any automatic renewal premium increases based on the policyholder's age; (3) A statement that the outline of coverage is a summary of the policy issued or applied for and that the policy should be consulted to determine governing contractual provisions. (c) The Commissioner may prescribe by regulation a standard form and the contents of an informational brochure for persons eligible for Medicare, which is intended to improve the buyer's ability to select the most appropriate coverage and improve the buyer's understanding of Medicare. Except in the case of direct response insurance policies, the Commissioner may require by regulation that the information brochure be provided to any prospective insureds eligible for Medicare concurrently with delivery of the outline of coverage. With respect to direct response insurance policies, the Commissioner may require by regulation that the prescribed brochure be provided upon request to any prospective insureds eligible for Medicare, but in no event later than the time of policy delivery. (d) The Commissioner may adopt regulations for captions or notice requirements, determined to be in the public interest and designed to inform prospective insureds that particular insurance coverages are not Medicare supplement coverages, for all accident and sickness insurance policies sold to persons eligible for Medicare, other than:  (1) Medicare supplement policies; (2) Disability income policies; (3), (4) [Repealed.] (e) The Commissioner may adopt reasonable regulations to govern the full and fair disclosure of the information in connection with the replacement of accident and sickness policies, subscriber contracts or certificates by persons eligible for Medicare. 63 Del. Laws, c. 262, §  2;  67 Del. Laws, c. 45, §  1;  68 Del. Laws, c. 237, §  1;  70 Del. Laws, c. 156, §  4;
18 DE Code § 3406. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 34. Medicare Supplement Insurance Minimum Standards|§ 3406. Notice of free examination.

§ 3406. Notice of free examination. Medicare supplement policies and certificates shall have a notice prominently printed on the first page of the policy or certificate or attached thereto stating in substance that the applicant shall have the right to return the policy or certificate within 30 days of its delivery and to have the premium refunded if, after examination of the policy or certificate, the applicant is not satisfied for any reason. Any refund made pursuant to this section shall be paid directly to the applicant by the issuer in a timely manner. 63 Del. Laws, c. 262, §  2;  67 Del. Laws, c. 45, §  1;  68 Del. Laws, c. 237, §  1;
18 DE Code § 3407. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 34. Medicare Supplement Insurance Minimum Standards|§ 3407. Filing requirements for advertising.

§ 3407. Filing requirements for advertising. Every issuer of Medicare supplement insurance policies or certificates in this State shall provide a copy of any Medicare supplement advertisement intended for use in this State whether through written, radio or television medium to the Commissioner of Insurance of this State for review or approval by the Commissioner to the extent it may be required under state law. 67 Del. Laws, c. 45, §  1;  68 Del. Laws, c. 237, §  1;
18 DE Code § 3408. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 34. Medicare Supplement Insurance Minimum Standards|§ 3408. Administrative procedures.

§ 3408. Administrative procedures. Regulations adopted pursuant to this chapter shall be subject to the provisions of Chapter 101 of Title 29. 68 Del. Laws, c. 237, §  1;
18 DE Code § 3409. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 34. Medicare Supplement Insurance Minimum Standards|§ 3409. Penalties.

§ 3409. Penalties. In addition to any other applicable penalties for violations of the Insurance Code, the Commissioner may require issuers violating any provision of this chapter or regulations promulgated pursuant to this chapter to cease marketing any Medicare supplement policy or certificate in this State which is related directly or indirectly to a violation or may require such issuer to take such actions as are necessary to comply with the provisions of this chapter, or both. 67 Del. Laws, c. 45, §  1;  68 Del. Laws, c. 237, §  1;  76 Del. Laws, c. 354, §§   1, 2;