reglab/housing_qa huggingface dataset:
ID Code § 41-4316 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 43 - IDAHO LIFE AND HEALTH INSURANCE GUARANTY ASSOCIATION ACT|Section 41-4316 - TAX EXEMPTIONS.

41-4316. TAX EXEMPTIONS. The association shall be exempt from payment of all fees and all taxes levied by this state or any of its subdivisions, except taxes levied on real property.  History: [41-4316, added 2011, ch. 196, sec. 2, p. 577.]
ID Code § 41-4317 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 43 - IDAHO LIFE AND HEALTH INSURANCE GUARANTY ASSOCIATION ACT|Section 41-4317 - IMMUNITY.

41-4317. IMMUNITY. There shall be no liability on the part of and no cause of action of any nature shall arise against any member insurer or its agents or employees, the association or its agents or employees, members of the board of directors or the director or the director’s representatives, for any action or omission by them in the performance of their powers and duties under this chapter. This immunity shall extend to the participation in any organization of one (1) or more other state associations of similar purposes and to any such organization and its agents or employees.  History: [41-4317, added 2011, ch. 196, sec. 2, p. 577.]
ID Code § 41-4318 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 43 - IDAHO LIFE AND HEALTH INSURANCE GUARANTY ASSOCIATION ACT|Section 41-4318 - STAY OF PROCEEDING –- REOPENING DEFAULT JUDGMENTS.

41-4318. STAY OF PROCEEDING –- REOPENING DEFAULT JUDGMENTS. All proceedings in which the insolvent insurer is a party in any court in this state shall be stayed one hundred eighty (180) days from the date an order of liquidation, rehabilitation or conservation is final to permit proper legal action by the association on any matters germane to its powers or duties. As to judgment under any decision, order, verdict or finding based on default, the association may apply to have such judgment set aside by the same court that made such judgment and shall be permitted to defend against such suit on the merits.  History: [41-4318, added 2011, ch. 196, sec. 2, p. 577.]
ID Code § 41-4319 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 43 - IDAHO LIFE AND HEALTH INSURANCE GUARANTY ASSOCIATION ACT|Section 41-4319 - PROHIBITED ADVERTISEMENT OF INSURANCE GUARANTY ASSOCIATION ACT IN COMMERCIAL SALES.

41-4319. PROHIBITED ADVERTISEMENT OF INSURANCE GUARANTY ASSOCIATION ACT IN COMMERCIAL SALES. No person, including an insurer, agent or affiliate of an insurer shall make, publish, disseminate, circulate or place before the public, or cause directly or indirectly, to be made, published, disseminated, circulated or placed before the public, in any newspaper, magazine or other publication, or in the form of a notice, circular, pamphlet, letter or poster, or over any radio station or television station, or in any other way, any advertisement, announcement or statement, written or oral, which uses the existence of the insurance guaranty association of this state for the purpose of sales, solicitation or inducement to purchase any form of insurance covered by the Idaho life and health insurance guaranty association act. Provided however, that this section shall not apply to the Idaho life and health insurance guaranty association or any other entity which does not sell or solicit insurance. This section shall also not prohibit the furnishing of written information that is in a form prepared by the association and approved by the director upon request of the policy owner.  History: [41-4319, added 2011, ch. 196, sec. 2, p. 577.]
ID Code § 41-4320 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 43 - IDAHO LIFE AND HEALTH INSURANCE GUARANTY ASSOCIATION ACT|Section 41-4320 - APPLICATION.

41-4320. APPLICATION. This chapter shall apply to coverage the guaranty association provides in connection with any member insurer that was first placed under an order of liquidation on or after January 1, 2011.  History: [41-4320, added 2011, ch. 196, sec. 2, p. 578.]
ID Code § 41-4401 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 44 - MEDICARE SUPPLEMENT INSURANCE MINIMUM STANDARDS|Section 41-4401 - PURPOSE.

41-4401. PURPOSE. The purpose of this chapter shall be to provide reasonable standardization and simplification of terms and coverages of medicare supplement disability insurance policies and enrollee contracts of managed care organizations, to facilitate public understanding and comparison, to eliminate provisions contained in disability insurance policies and enrollee contracts of managed care organizations which may be misleading or unreasonably confusing in connection either with the purchase of such coverages or with the settlement of claims, and to provide for full disclosure in the sale of such coverages.  History: [41-4401, added 1999, ch. 102, sec. 2, p. 323.]
ID Code § 41-4402 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 44 - MEDICARE SUPPLEMENT INSURANCE MINIMUM STANDARDS|Section 41-4402 - DEFINITIONS.

41-4402. DEFINITIONS. (1) "Applicant" means: (a) In the case of an individual medicare supplement policy, the person who seeks to contract for insurance benefits; and (b) In the case of a group medicare supplement policy, the proposed certificate holder. (2) "Certificate" means, for the purposes of this chapter, any certificate delivered or issued for delivery in this state under a group medicare supplement policy. (3) "Certificate form" means the form on which the certificate is delivered or issued for delivery by the issuer. (4) "Issuer" includes insurance companies, fraternal benefit societies, managed care organizations, and any other entity delivering or issuing for delivery in this state medicare supplement policies or certificates. (5) "Medicare" means the "Health Insurance for the Aged Act," title XVIII of the social security amendments of 1965, as then constituted or later amended. (6) "Medicare supplement policy" means a group or individual policy of accident and sickness insurance or an enrollee contract under a managed care organization, other than a policy issued pursuant to a contract under section 1876 of the federal social security act (42 U.S.C. section 1395 et seq.), or an issued policy under a demonstration project specified in 42 U.S.C. section 1395ss(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. (7) "Policy form" means the form on which the policy is delivered or issued for delivery by the issuer.  History: [41-4402, added 1999, ch. 102, sec. 2, p. 323.]
ID Code § 41-4403 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 44 - MEDICARE SUPPLEMENT INSURANCE MINIMUM STANDARDS|Section 41-4403 - APPLICABILITY AND SCOPE.

41-4403. APPLICABILITY AND SCOPE. (1) Except as otherwise specifically provided this chapter shall apply to: (a) All medicare supplement policies delivered or issued for delivery in this state on or after the effective date of this act; and (b) All certificates issued under group medicare supplement policies, which certificates have been delivered or issued for delivery in this state. (2) This chapter shall not apply to a policy of one (1) or more employers or labor organizations, or of the trustees of a fund established by one (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. (3) Except as otherwise specifically provided in section 41-4406(4), Idaho Code, 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 when the policies are not marketed or held to be medicare supplement policies or benefit plans.  History: [41-4403, added 1999, ch. 102, sec. 2, p. 324.]
ID Code § 41-4405 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 44 - MEDICARE SUPPLEMENT INSURANCE MINIMUM STANDARDS|Section 41-4405 - LOSS RATIO STANDARDS.

41-4405. LOSS RATIO STANDARDS. Medicare supplement policies shall return to policyholders benefits which are reasonable in relation to the premium charged. The director may issue reasonable rules 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 managed care organization on a service rather than reimbursement basis, and earned premiums in accordance with accepted actuarial principles and practices.  History: [41-4405, added 1999, ch. 102, sec. 2, p. 325.]
ID Code § 41-4406 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 44 - MEDICARE SUPPLEMENT INSURANCE MINIMUM STANDARDS|Section 41-4406 - DISCLOSURE STANDARDS.

41-4406. DISCLOSURE STANDARDS. (1) 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. (2) The director may prescribe the format and content of the outline of coverage required by 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. The outline of coverage shall include: (a) A description of the principal benefits and coverage provided in the policy; (b) A statement of the renewal provisions, including any reservation by the issuer of a right to change premiums; (c) 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. (3) The director may prescribe by rule 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 director may require by rule that the informational 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 director may require by rule 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. (4) The director may adopt rules 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: (a) Medicare supplement policies; or (b) Disability income policies. (5) The director may adopt reasonable rules to govern the full and fair disclosure of the information in connection with the replacement of accident and sickness policies, or certificates by persons eligible for medicare.  History: [41-4406, added 1999, ch. 102, sec. 2, p. 325.]
ID Code § 41-4407 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 44 - MEDICARE SUPPLEMENT INSURANCE MINIMUM STANDARDS|Section 41-4407 - NOTICE OF FREE EXAMINATION.

41-4407. 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 thirty (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. A refund made pursuant to this section shall be paid directly to the applicant by the issuer in a timely manner.  History: [41-4407, added 1999, ch. 102, sec. 2, p. 326.]
ID Code § 41-4408 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 44 - MEDICARE SUPPLEMENT INSURANCE MINIMUM STANDARDS|Section 41-4408 - FILING REQUIREMENTS FOR ADVERTISING.

41-4408. 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 director of the Idaho department of insurance for review or approval by the director to the extent it may be required under state law.  History: [41-4408, added 1999, ch. 102, sec. 2, p. 326.]
ID Code § 41-4409 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 44 - MEDICARE SUPPLEMENT INSURANCE MINIMUM STANDARDS|Section 41-4409 - ADMINISTRATIVE PROCEDURES.

41-4409. ADMINISTRATIVE PROCEDURES. Rules adopted pursuant to this chapter shall be subject to the provisions of chapter 52, title 67, Idaho Code.  History: [41-4409, added 1999, ch. 102, sec. 2, p. 327.]
ID Code § 41-4410 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 44 - MEDICARE SUPPLEMENT INSURANCE MINIMUM STANDARDS|Section 41-4410 - PENALTIES.

41-4410. PENALTIES. In addition to any other applicable penalties for violations of the insurance code, the director may require issuers violating any provision of this chapter or rules 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 the issuer to take actions necessary to comply with the provisions of this chapter, or both.  History: [41-4410, added 1999, ch. 102, sec. 2, p. 327.]
ID Code § 41-4411 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 44 - MEDICARE SUPPLEMENT INSURANCE MINIMUM STANDARDS|Section 41-4411 - SEPARABILITY.

41-4411. SEPARABILITY. If any provision of this act or the application of it to any person or circumstances is for any reason held to be invalid, the remainder of the act and the application of the provision to other persons or circumstances shall not be affected.  History: [41-4411, added 1999, ch. 102, sec. 2, p. 327.]
ID Code § 41-4601 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 46 - LONG-TERM CARE INSURANCE ACT|Section 41-4601 - PURPOSE.

41-4601. PURPOSE. The purpose of this chapter is to promote the public interest, to promote the availability of long-term care insurance policies, to protect applicants for long-term care insurance, as defined, from unfair or deceptive sales or enrollment practices, to establish standards for long-term care insurance, to facilitate public understanding and comparison of long-term care insurance policies, and to facilitate flexibility and innovation in the development of long-term care insurance coverage.  History: [41-4601, added 1999, ch. 98, sec. 2, p. 304.]
ID Code § 41-4602 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 46 - LONG-TERM CARE INSURANCE ACT|Section 41-4602 - SCOPE.

41-4602. SCOPE. The requirements of this chapter shall apply to policies delivered or issued for delivery in this state on or after the effective date of this chapter. This chapter is not intended to supersede the obligations of entities subject to this chapter to comply with the substance of other applicable insurance laws insofar as they do not conflict with this chapter, except that laws and regulations designed and intended to apply to medicare supplement insurance policies shall not be applied to long-term care insurance.  History: [41-4602, added 1999, ch. 98, sec. 2, p. 304.]
ID Code § 41-4604 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 46 - LONG-TERM CARE INSURANCE ACT|Section 41-4604 - EXTRATERRITORIAL JURISDICTION — GROUP LONG-TERM CARE INSURANCE.

41-4604. EXTRATERRITORIAL JURISDICTION — GROUP LONG-TERM CARE INSURANCE. No group long-term care insurance coverage may be offered to a resident of this state under a group policy issued in another state to a group described in section 41-4603(4)(d), Idaho Code, unless this state or another state having statutory and regulatory long-term care insurance requirements substantially similar to those adopted in this state has made a determination that such requirements have been met.  History: [41-4604, added 1999, ch. 98, sec. 2, p. 306.]
ID Code § 41-4606 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 46 - LONG-TERM CARE INSURANCE ACT|Section 41-4606 - INCONTESTABILITY PERIOD.

41-4606. INCONTESTABILITY PERIOD. (1) For a policy or certificate that has been in force for less than six (6) months an insurer may rescind a long-term care insurance policy or certificate or deny an otherwise valid long-term care insurance claim upon a showing of misrepresentation that is material to the acceptance for coverage. (2) For a policy or certificate that has been in force for at least six (6) months but less than two (2) years an insurer may rescind a long-term care insurance policy or certificate or deny an otherwise valid long-term care insurance claim upon a showing of misrepresentation that is both material to the acceptance for coverage and which pertains to the condition for which benefits are sought. (3) After a policy or certificate has been in force for two (2) years it is not contestable upon the grounds of misrepresentation alone; such policy or certificate may be contested only upon a showing that the insured knowingly and intentionally misrepresented relevant facts relating to the insured’s health. (4) (a) No long-term care insurance policy or certificate may be field issued based on medical or health status. (b) For purposes of this section, "field issued" means a policy or certificate issued by an agent or a third party administrator pursuant to the underwriting authority granted to the agent or third party administrator by an insurer. (5) If an insurer has paid benefits under the long-term care insurance policy or certificate, the benefit payments may not be recovered by the insurer in the event that the policy or certificate is rescinded. (6) In the event of the death of the insured, this section shall not apply to the remaining death benefit of a life insurance policy that accelerates benefits for long-term care. In this situation, the remaining death benefits under these policies shall be governed by section 41-1905, Idaho Code, as it pertains to incontestability. In all other situations, this section shall apply to life insurance policies that accelerate benefits for long-term care.  History: [41-4606, added 1999, ch. 98, sec. 2, p. 309.]
ID Code § 41-4607 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 46 - LONG-TERM CARE INSURANCE ACT|Section 41-4607 - NONFORFEITURE BENEFITS.

41-4607. NONFORFEITURE BENEFITS. (1) Except as provided in subsection (2) of this section, a long-term care insurance policy may not be delivered or issued for delivery in this state unless the policyholder or certificate holder has been offered the option of purchasing a policy or certificate including a nonforfeiture benefit. The offer of a nonforfeiture benefit may be in the form of a rider that is attached to the policy. In the event the policyholder or certificate holder declines the nonforfeiture benefit, the insurer shall provide a contingent benefit upon lapse that shall be available for a specified period of time following a substantial increase in premium rates. (2) When a group long-term care insurance policy is issued, the offer required in subsection (1) of this section shall be made to the group policyholder. However, if the policy is issued as group long-term care insurance as defined in section 41-4603(4)(d), Idaho Code, other than to a continuing care retirement community or other similar entity, the offering shall be made to each proposed certificate holder. (3) The director shall promulgate rules specifying the type or types of nonforfeiture benefits to be offered as part of long-term care insurance policies and certificates, the standards for nonforfeiture benefits, and the rules regarding a contingent benefit upon lapse, including a determination of the specified period of time during which a contingent benefit upon lapse will be available and the substantial premium rate increase that triggers a contingent benefit upon lapse as described in subsection (1) of this section.  History: [41-4607, added 1999, ch. 98, sec. 2, p. 310.]
ID Code § 41-4608 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 46 - LONG-TERM CARE INSURANCE ACT|Section 41-4608 - AUTHORITY TO PROMULGATE RULES.

41-4608. AUTHORITY TO PROMULGATE RULES. The director shall issue reasonable rules to promote premium adequacy and to protect the policyholder in the event of substantial rate increases, and to establish minimum standards for marketing practices, agent compensation, agent testing, penalties and reporting practices for long-term care insurance.  History: [41-4608, added 1999, ch. 98, sec. 2, p. 311.]
ID Code § 41-4609 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 46 - LONG-TERM CARE INSURANCE ACT|Section 41-4609 - ADMINISTRATIVE PROCEDURES.

41-4609. ADMINISTRATIVE PROCEDURES. Rules adopted for the implementation and administration of this chapter shall be in accordance with the provisions of chapter 52, title 67, Idaho Code.  History: [41-4609, added 1999, ch. 98, sec. 2, p. 311.]
ID Code § 41-4610 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 46 - LONG-TERM CARE INSURANCE ACT|Section 41-4610 - SEVERABILITY.

41-4610. SEVERABILITY. If any provision of this chapter or the application thereof to any person or circumstance is for any reason held to be invalid, the remainder of the chapter and the application of such provision to other persons or circumstances shall not be affected thereby.  History: [41-4610, added 1999, ch. 98, sec. 2, p. 311.]
ID Code § 41-4611 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 46 - LONG-TERM CARE INSURANCE ACT|Section 41-4611 - PENALTIES.

41-4611. PENALTIES. In addition to any other penalties provided by the laws of this state, any insurer and any agent found to have violated any requirement of this state relating to the regulation of long-term care insurance or the marketing of such insurance shall be subject to a fine of up to three (3) times the amount of any commissions paid for each policy involved in the violation or up to ten thousand dollars ($10,000), whichever is greater.  History: [41-4611, added 1999, ch. 98, sec. 2, p. 311.]
ID Code § 41-4701 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 47 - SMALL EMPLOYER HEALTH INSURANCE AVAILABILITY ACT|Section 41-4701 - SHORT TITLE.

41-4701. SHORT TITLE. This chapter shall be known and may be cited as the "Small Employer Health Insurance Availability Act."  History: [41-4701, added 1993, ch. 176, sec. 1, p. 435.]
ID Code § 41-4702 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 47 - SMALL EMPLOYER HEALTH INSURANCE AVAILABILITY ACT|Section 41-4702 - PURPOSE.

41-4702. PURPOSE. The purpose and intent of this chapter is to promote the availability of health insurance coverage to small employers regardless of their health status or claims experience, to prevent abusive rating practices, to require disclosure of rating practices to purchasers, to establish rules regarding renewability of coverage, to establish limitations on the use of preexisting condition exclusions, to provide for establishment of a reinsurance program, and to improve the overall fairness and efficiency of the small group health insurance market. This chapter is not intended to provide a comprehensive solution to the problem of affordability of health care or health insurance.  History: [41-4702, added 1993, ch. 176, sec. 1, p. 435; am. 2000, ch. 472, sec. 1, p. 1603.]