reglab/housing_qa huggingface dataset:
MN Stat § 72C.08 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 72C — Readability Of Insurance Policies|Section 72C.08 — Format Requirements.

72C.08 FORMAT REQUIREMENTS. Subdivision 1. Requirement. All insurance policies and contracts covered by section 72C.11 shall be written in a logical, clear, and understandable order and form and shall contain at least the following items: (a) on the cover or first or an insert page of the policy a statement that the policy is a legal contract between the policy owner and the company and the statement, printed in larger or other contrasting type or color, "Read your policy carefully"; (b) an index of the major provisions of the policy or contract, which may include the following items: (1) the person or persons insured by the policy; (2) the applicable events, occurrences, conditions, losses or damages covered by the policy; (3) the limitations or conditions on the coverage of the policy; (4) definitional sections of the policy; (5) provisions governing the procedure for filing a claim under the policy; (6) provisions governing cancellation, renewal, or amendment of the policy by either the insurer or the policy owner; (7) any options under the policy; and (8) provisions governing the insurer's duties and powers in the event that suit is filed against the insured. Subd. 2. Compliance factors. In determining whether a policy or contract is written in a logical, clear, and understandable order and form the commissioner shall consider the following factors: (a) the extent to which each provision for coverage is stated separately in a self-contained section, including the conditions relating to or limiting that section's effect; (b) the extent to which sections or provisions are set off and clearly identified by titles, headings, or margin notations; (c) the use of a more easily understandable format such as narrative or outline forms; and (d) any additional factors relevant to a logical, clear, and understandable format which the commissioner may prescribe by rule. History:   1977 c 345 s 8
MN Stat § 72C.09 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 72C — Readability Of Insurance Policies|Section 72C.09 — Flesch Scale Analysis Readability Score, Procedures.

72C.09 FLESCH SCALE ANALYSIS READABILITY SCORE, PROCEDURES. A Flesch scale analysis readability score shall be measured as provided in this section. (1) For contracts containing 10,000 words or less of text, the entire contract shall be analyzed. For contracts containing more than 10,000 words the readability of two 200 word samples per page may be analyzed in lieu of the entire contract. The samples shall be separated by at least 20 printed lines. For purposes of this clause a word shall be counted as five printed characters or spaces between characters. (2)(a)(i) The number of words and sentences in the text shall be counted and the total number of words divided by the total number of sentences. The figure obtained shall be multiplied by a factor of 1.015. (ii) The total number of syllables shall be counted and divided by the total number of words. The figure obtained shall be multiplied by a factor of 84.6. (iii) The sum of the figures computed under (i) and (ii) subtracted from 206.835 equals the Flesch scale analysis readability score for the policy or contract. (b) For purposes of clause (a) the following procedures shall be used: (i) A contraction, hyphenated word, or numbers and letters, when separated by spaces, shall be counted as one word; (ii) A unit of words ending with a period, semicolon or colon, but excluding headings, captions, and lists, shall be counted as a sentence; and (iii) A syllable means a unit of spoken language consisting of one or more letters of a word as divided by an accepted dictionary. Where the dictionary shows two or more equally acceptable pronunciations of a word, the pronunciation containing fewer syllables may be used. History:  1977 c 345 s 9; 1980 c 353 s 2
MN Stat § 72C.10 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 72C — Readability Of Insurance Policies|Section 72C.10 — Filing Requirements; Duties Of Commissioner.

72C.10 FILING REQUIREMENTS; DUTIES OF COMMISSIONER. Subdivision 1. Readability compliance; filing and approval. No insurer shall make, issue, amend, or renew any policy or contract after the dates specified in section 72C.11 for the applicable type of policy unless the contract is in compliance with the requirements of sections 72C.06 to 72C.09 and unless the contract is filed with the commissioner for approval. The contract shall be deemed approved 60 days after filing unless disapproved by the commissioner within the 60-day period. When an insurer, service plan corporation, or the Minnesota Comprehensive Health Association fails to respond to an objection or inquiry within 60 days, the filing is automatically disapproved. A resubmission is required if action by the Department of Commerce is subsequently requested. An additional filing fee is required for the resubmission. The commissioner shall not unreasonably withhold approval. Any disapproval shall be delivered to the insurer in writing, stating the grounds therefor. Any policy filed with the commissioner shall be accompanied by a Flesch scale readability analysis and test score and by the insurer's certification that the policy or contract is in its judgment readable based on the factors specified in sections 72C.06 to 72C.08. Subd. 2. Contract or policy disapproval. The commissioner shall disapprove any contract or policy covered by subdivision 1 if the commissioner finds that: (a) it is not accompanied by a certified Flesch scale analysis readability score of more than 40; (b) it is not accompanied by the insurer's certification that the policy or contract is in its judgment readable under the standards of sections 72C.01 to 72C.13; (c) it does not comply with the readability standards established by section 72C.06; (d) it does not comply with the legibility standards established by section 72C.07; or (e) it does not comply with the format requirements established by section 72C.08. History:  1977 c 345 s 10; 1986 c 444; 2006 c 255 s 61
MN Stat § 72C.11 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 72C — Readability Of Insurance Policies|Section 72C.11 — Application Of Filing Requirements; Duties Of Commissioner.

72C.11 APPLICATION OF FILING REQUIREMENTS; DUTIES OF COMMISSIONER. Subdivision 1. Policies and dates specified. The filing requirements of section 72C.10 shall apply as follows: (a) To all policies of private passenger vehicle insurance, as described in chapter 65B, and to all policies of homeowner's insurance as defined in the general custom and usage of the business or by a ruling of the commissioner or a court, which are made, issued, amended or renewed after July 1, 1979; (b) To all policies of life insurance as defined in section 60A.06, subdivision 1, clause (4), to all certificates of a fraternal benefit society, as defined in section 64B.19, to all policies of accident and health insurance, as defined in section 60A.06, subdivision 1, clause (5), paragraph (a), to all subscriber contracts of nonprofit health service corporations as defined in section 62C.02, and to all health maintenance contracts as defined in section 62D.02, which are made, issued, amended or renewed after July 1, 1980; the commissioner may grant delays of not more than one year in full or partial compliance of accident and health policies; and (c) To all policies of any additional line or type of insurance within the scope of sections 72C.01 to 72C.13, as provided by any rule promulgated by the commissioner not later than July 1, 1981. Subd. 2. Commissioner's reports. The commissioner shall make the following reports to the legislature: (a) On or before February 1, 1979 a report detailing and evaluating the efforts made by the commissioner and insurers to implement the provisions of subdivision 1, clause (a), and particularly examining the feasibility and practicality of requiring accident and health and life insurance policies to comply with sections 72C.01 to 72C.13 and in the time prescribed; (b) On or before February 1, 1980 a report detailing and evaluating (1) the operation of and the extent of compliance with sections 72C.01 to 72C.13, (2) the efforts made by the commissioner and insurers to implement the provisions of subdivision 1, clause (b), and (3) the commissioner's intent regarding the extension of the application of sections 72C.01 to 72C.13 to other lines and types of insurance under subdivision 1, clause (c), and the reasons therefor. History:  1977 c 345 s 11; 1980 c 353 s 3; 1Sp1981 c 4 art 1 s 61; 1985 c 49 s 41; 1986 c 444
MN Stat § 72C.12 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 72C — Readability Of Insurance Policies|Section 72C.12 — Commissioner's Powers And Duties.

72C.12 COMMISSIONER'S POWERS AND DUTIES. In addition to the duties and powers enumerated elsewhere in sections 72C.01 to 72C.13 the commissioner shall have the power to promulgate rules consistent with sections 72C.01 to 72C.13 to effectuate its purpose. History:   1977 c 345 s 12
MN Stat § 72C.13 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 72C — Readability Of Insurance Policies|Section 72C.13 — Construction.

72C.13 CONSTRUCTION. Subdivision 1. Other insurance law. Sections 72C.01 to 72C.13 shall not operate to relieve any insurer from any provision of law regulating the contents or provisions of insurance policies, except to the extent that the provisions prescribe the use of specific language which is inconsistent with sections 72C.01 to 72C.13. Subd. 2. Standard fire policy and standard provisions in accident and sickness policy; effect of authorized alterations. No alteration in the language of the Minnesota standard fire insurance policy under section 65A.01 or the standard provisions of health insurance policies under section 62A.04, as authorized by sections 72C.01 to 72C.13, shall be construed to limit or reduce an insured's or beneficiary's rights granted under those statutory provisions. History:   1977 c 345 s 13
MN Stat § 79.01 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 79 — Workers' Compensation Insurance|Section 79.01 — Definitions.

79.01 DEFINITIONS. Subdivision 1. Terms. Unless the language or context clearly indicates that a different meaning is intended, the following terms, for the purposes of sections 79.01 to 79.211, shall have the meanings ascribed to them. Subd. 1a. Assigned risk plan. "Assigned risk plan" means: (1) the method to provide workers' compensation coverage to employers unable to obtain coverage through licensed workers' compensation companies; and (2) the procedures established by the commissioner to implement that method of providing coverage including administration of all assigned risk losses and reserves. Subd. 1b. Employer. "Employer" has the meaning given in section 176.011, subdivision 10. Subd. 2. Insurer. The word "insurer" means any insurance carrier authorized by license issued by the commissioner of commerce to transact the business of workers' compensation insurance in this state and includes a political subdivision providing self insurance or establishing a pool under section 471.981, subdivision 3. Subd. 3. Insurance. The word "insurance" means workers' compensation insurance and insurance covering any part of the liability of an employer exempted from insuring liability for compensation, as provided in section 176.181 and includes a program of self insurance, self insurance revolving fund or pool established under section 471.981. Subd. 4.  [Repealed, 1969 c 9 s 10] Subd. 5. Commissioner. The word "commissioner" means the commissioner of commerce. Subd. 6. Association or rating association. "Association" or "rating association" means the Workers' Compensation Insurers Rating Association of Minnesota. Subd. 7. Interested party. "Interested party" means any person or association acting on behalf of its members who is directly affected by a change in the schedule of rates and includes the staff of the Department of Commerce. Subd. 8. Schedule of rates. "Schedule of rates" means the rate level applicable to the various industry groupings or classes, including the risk classifications thereunder upon which the determination of workers' compensation premiums are based, including but not limited to all systems for merit or experience rating, retrospective rating, and premium discounts. History:  (3612) 1921 c 85 s 1; 1931 c 353 s 1; 1957 c 508 s 1; 1969 c 9 s 8; 1973 c 577 s 1,2; 1975 c 359 s 23; Ex1979 c 3 s 1; 1980 c 529 s 3,4; 1981 c 346 s 9,10; 1983 c 289 s 114 subd 1; 1984 c 655 art 1 s 92; 1986 c 444; 1987 c 384 art 2 s 1; 2006 c 255 s 62,63
MN Stat § 79.074 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 79 — Workers' Compensation Insurance|Section 79.074 — Discrimination.

79.074 DISCRIMINATION. Subdivision 1.  [Repealed, 1981 c 346 s 145; 1983 c 290 s 15] Subd. 2. Dividends. Dividend plans are not unfairly discriminatory where different premiums result for different policyholders with similar loss exposures but different expense factors, or where different premiums result for different policyholders with similar expense factors but different loss exposures, so long as the respective premiums reflect the differences with reasonable accuracy. Every insurer who issues participating policies shall file with the commissioner a true copy or summary as the commissioner shall direct of its participating dividend rates as to policyholders. The commissioner may study the participating dividend rates and make recommendations to the legislature concerning possible bases for unfair discrimination. History:  Ex1979 c 3 s 5; 1995 c 231 art 2 s 3
MN Stat § 79.081 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 79 — Workers' Compensation Insurance|Section 79.081 — Mandatory Deductibles.

79.081 MANDATORY DEDUCTIBLES. Subdivision 1. Premium reduction. Each insurer, including the assigned risk plan, issuing a policy of insurance, must make available to an employer, upon request, the option to agree to pay an amount per claim selected by the employer and specified in the policy toward the total of any claim payable under chapter 176. The amount of premium to be paid by an employer who selects a policy with a deductible shall be reduced based upon a rating schedule or rating plan filed with and approved by the commissioner of commerce. Administration of claims shall remain with the insurer as provided in the terms and conditions of the policy. Each insurer shall notify its agents authorized to write workers' compensation insurance about the availability and terms and conditions of deductibles required by this section, using a brochure in a format approved by the commissioner. Subd. 2. Procedure for paying deductible. If an insured employer chooses a deductible, the insured employer is liable for the amount of the deductible. The insurer shall administer the claim as provided in the terms and conditions of the insurance policy and seek reimbursement from the insured employer for the deductible. The payment or nonpayment of deductible amounts by the insured employer to the insurer shall be treated under the policy insuring the liability for workers' compensation in the same manner as payment or nonpayment of premiums. Subd. 3. Credit risk; exception. An insurer is not required to offer a deductible to an employer if, as a result of a credit investigation, the insurer determines that the employer is not sufficiently financially stable to be responsible for the payment of deductible amounts. Subd. 4. Reporting requirement. The existence of an insurance contract with a deductible or the fact of payment as a result of a deductible does not affect the requirement of an employer to report an injury or death to an insurer or the commissioner of labor and industry. Subd. 5. No employee liability. Nothing in this section alters the obligation of the employer to provide the benefits required by this chapter. An employee is not responsible to pay all or a part of the deductible chosen by an employer. History:   1992 c 510 art 3 s 1
MN Stat § 79.085 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 79 — Workers' Compensation Insurance|Section 79.085 — Safety Programs.

79.085 SAFETY PROGRAMS. All insurers writing workers' compensation insurance in this state shall provide safety and occupational health loss control consultation services to each of their policyholders requesting the services in writing. Insurers must annually notify their policyholders of their right under this section to safety and occupational health loss consultation services. The services must include the conduct of workplace surveys to identify health and safety problems, review of employer injury records with appropriate personnel, and development of plans to improve employer occupational health and safety loss records. Insurers shall notify each policyholder of the availability of those services and the telephone number and address where such services can be requested. The notification may be delivered with the policy of workers' compensation insurance. History:  1992 c 510 art 3 s 2; 1995 c 231 art 2 s 4
MN Stat § 79.095 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 79 — Workers' Compensation Insurance|Section 79.095 — Appointment Of Actuary.

79.095 APPOINTMENT OF ACTUARY. The commissioner shall employ the services of a casualty actuary experienced in worker's compensation whose duties shall include but not be limited to investigation of complaints by insured parties relative to rates, rate classifications, or discriminatory practices of an insurer. The salary of the actuary employed pursuant to this section is not subject to the provisions of section 43A.17, subdivision 1. History:  1977 c 342 s 24; Ex1979 c 3 s 8; 1981 c 210 s 54
MN Stat § 79.096 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 79 — Workers' Compensation Insurance|Section 79.096 — Access To Rate-making Data.

79.096 ACCESS TO RATE-MAKING DATA. The rating association must make available for inspection on request of any person any data it possesses related to the calculation of indicated pure premium rates. History:   1992 c 510 art 3 s 3
MN Stat § 79.10 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 79 — Workers' Compensation Insurance|Section 79.10 — Review Of Acts Of Insurers.

79.10 REVIEW OF ACTS OF INSURERS. The Department of Commerce staff may investigate on the request of any person or on its own initiative the acts of the rating association, an insurer, or an agent that are subject to provisions of chapter 79 and may make findings and recommendations that the commissioner issue an order requiring compliance with the provisions thereof. The proposed findings and recommended order shall be served on all affected parties at the same time that the staff transmits its findings and recommendations to the commissioner. Any party adversely affected by the proposed findings and recommended order may request that a hearing be held concerning the issues raised therein within 15 days after service of the findings and recommended order. This hearing shall be conducted as a contested case pursuant to sections 14.001 to 14.69. If a hearing is not requested within the time specified in this section, the proposed findings and recommended order may be adopted by the commissioner as a final order. History:  (3621) 1921 c 85 s 10; 1953 c 615 s 3; 1969 c 9 s 9; 1973 c 577 s 2; Ex1979 c 3 s 9; 1982 c 424 s 130; 1983 c 289 s 114 subd 1; 1984 c 592 s 77; 1984 c 655 art 1 s 92; 1987 c 384 art 2 s 1; 1990 c 422 s 10
MN Stat § 79.211 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 79 — Workers' Compensation Insurance|Section 79.211 — Certain Premium Determination Practices.

79.211 CERTAIN PREMIUM DETERMINATION PRACTICES. Subdivision 1. Certain wages included for ratemaking. The rating association or an insurer shall include wages paid for a vacation, holiday, or sick leave in the determination of a workers' compensation insurance premium. An insurer, including the assigned risk plan, shall not include wages paid for work performed in an adjacent state in the determination of a workers' compensation premium if the employer paid a workers' compensation insurance premium to the exclusive state fund of the adjacent state on the wages earned in the adjacent state. Within 30 days of October 1, 1995, a licensed data service organization on behalf of its members shall file an amendment to its charged class premium rates to reflect the inclusion of vacation, holiday, and sick leave wages in the determination of premium. Within 30 days of the filing of those pure premium rates each insurer shall amend its filed schedule of rates to reflect the inclusion of vacation, holiday, and sick leave wages in the determination of premium. Subd. 2. Division of payroll. An insurer shall permit an employer to divide a payroll among the rating classifications most closely fitting the work actually performed by each employee in a four-hour block or more for purposes of premium calculation when the employer's records provide adequate support for a division. Subd. 3. Payroll computations for certain public employees. The commissioner of commerce in setting the assigned risk plan rates or an insurer shall compute a premium for an elected or appointed official of a town based on the actual annual wage received from the town. Subd. 4. Experience modification factor revision for certain closed claims. An insurer or an employer insured under a workers' compensation policy subject to an experience rating plan may request in writing of the data service organization computing the policy's experience modification factor that the most recent factor be revised if each of the following criteria is met: (1) a workers' compensation claim under that policy is closed between the normal valuation date for that claim and the next time that valuation is used in computing the experience modification factor on the policy; (2) the data service organization receives a revised unit statistical report containing data on the closed claim in a form consistent with its filed unit statistical plan; and (3) inclusion of the closed claim in the experience modification factor calculation would impact that factor by five percentage points or more. History:  Ex1979 c 3 s 12; 1980 c 556 s 6; 1981 c 346 s 139; 1983 c 290 s 4; 1986 c 444; 1987 c 301 s 1; 1993 c 194 s 1; 1995 c 231 art 2 s 5; 2005 c 132 s 24