reglab/housing_qa huggingface dataset:
NE Code § 44-7527 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-7527 - Statistical data; collection and exchange; rules and regulations.

44-7527.  Statistical data; collection and exchange; rules and regulations.(1) The director shall adopt and promulgate rules and regulations to assure that the experience of all insurers is provided to the director at least annually in such form and detail as is necessary to aid in effecting the purposes of the Property and Casualty Insurance Rate and Form Act. The director may designate one or more statistical agents to assist in gathering such experience and making compilations thereof. The scope of such rules and regulations may include the data which must be reported by insurers, definitions of data elements, the timing and frequency of statistical reporting by insurers, data quality standards, data edit and audit requirements, data retention requirements, reports to be generated by statistical agents to fulfill the requirements of this section, and the timing of such reports.(2) Should the director choose to designate more than one statistical agent to assist for a line or type of insurance, the director may adopt and promulgate rules and regulations necessary to ensure that statistical data that the director has required is combined for reports to the director.(3) The following provisions apply only to the disclosure of data and reports provided to the director pursuant to this section and to the disclosure of reports produced by the director from data and reports provided pursuant to this section:(a) The director shall not disclose data that identifies individual insurers;(b) The director shall not disclose data that is likely to identify individual policyholders or claimants or when there is reason to suspect that individual open claim reserves may be identified with individual policyholders or claimants;(c) The director may agree in advance to withhold data from public disclosure when confidentiality is requested by the statistical agent providing the data to the director, but only if the data include data elements that the director had not required, prior to their writing or occurrence, to be recorded by insurers; and(d) All other data contained in reports made pursuant to this section shall be subject to public disclosure.(4) The director may adopt and promulgate rules and regulations for the interchange of data necessary for the application of rating plans.(5) In order to further uniform administration of rate regulatory laws, the director and every insurer and advisory organization may exchange information and experience data with insurance supervisory officials, insurers, and advisory organizations in other states and may consult with them with respect to the application of rating systems.Source Laws 2000, LB 1119, § 27.
NE Code § 44-7528 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-7528 - Applicants unable to procure insurance; apportionment among insurers.

44-7528.  Applicants unable to procure insurance; apportionment among insurers.Insurers may agree to the equitable apportionment among them of insurance to be afforded applicants who are in good faith entitled to but who are unable to procure such insurance through ordinary methods. Such insurers may agree on the use of policy forms, rating systems, and reasonable modifications thereof for such insurance. Such agreements may include pooling arrangements or reinsurance. Such agreements, policy forms, rating systems, and modifications thereof shall be subject to the approval of the director.Source Laws 2000, LB 1119, § 28.
NE Code § 44-7529 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-7529 - False or misleading information; prohibited acts.

44-7529.  False or misleading information; prohibited acts.No person shall willfully withhold information that will affect the forms applicable, dividends payable, or rates or premiums chargeable from the director or any statistical agent, advisory organization, or insurer. No person shall knowingly give false or misleading information that will affect the policy forms applicable, dividends payable, or rates or premiums chargeable to the director or any statistical agent, advisory organization, or insurer. A person who violates this section shall be subject to provisions of section 44-7530.Source Laws 2000, LB 1119, § 29.
NE Code § 44-7530 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-7530 - Violations; director; hearing; powers and duties.

44-7530.  Violations; director; hearing; powers and duties.(1) Whenever the director has reason to believe that any person has violated any provision of the Property and Casualty Insurance Rate and Form Act, the director shall hold a hearing in accordance with section 44-7532. If, after such hearing, the director determines that the person has violated any provision of the act, the director may order any one or more of the following:(a) Payment of an administrative penalty of not more than one thousand dollars for every act or violation but not to exceed an aggregate penalty of ten thousand dollars in any six-month period unless the person knew or reasonably should have known of the violation of the act, in which case the penalty shall be not more than five thousand dollars for every act or violation not to exceed an aggregate penalty of fifty thousand dollars in any six-month period; and(b) Suspension or revocation of the person's license or certificate of authority if such person knew or reasonably should have known of the violation.(2) The powers, remedies, procedures, and penalties provided in the act shall be in addition to any other penalty, remedies, procedures, and penalties provided by law.Source Laws 2000, LB 1119, § 30.
NE Code § 44-7531 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-7531 - Hearing; request.

44-7531.  Hearing; request.Any insurer, joint underwriting pool, joint reinsurance pool, statistical agent, or advisory organization aggrieved by any order or decision of the director made without a hearing may, within thirty days after notice of the order, make written request to the director for a hearing thereon in accordance with section 44-7532. Pending such hearing and decision, the director may suspend the effective date of his or her action.Source Laws 2000, LB 1119, § 31.
NE Code § 44-7532 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-7532 - Hearing; procedure.

44-7532.  Hearing; procedure.If a hearing is held at the request of a party other than the director, unless mutually agreed upon by the director and all interested parties, notice of hearing shall be provided within thirty days after the director's receipt of a written request for a hearing. Notice of hearing shall be given to all interested parties and shall state the time, place, and purpose of the hearing. Unless mutually agreed upon by the director and all interested parties, the hearing shall be held not less than ten days after notice is served. Unless mutually agreed upon by the director and all interested parties or unless the hearing is being held at the request of the director, the hearing shall be held not more than thirty days after notice is served.Source Laws 2000, LB 1119, § 32. Annotations The language in this section referring to notice to "all interested parties" contemplates notice by the Nebraska Department of Insurance to both the insured and the insurer regarding the adversarial proceeding to come. It would not be a sensible reading of the statutes to require notice to only one of the parties, where both parties are active in the proceeding but seek different outcomes. Travelers Indem. Co. v. Gridiron Mgmt. Group, 281 Neb. 113, 794 N.W.2d 143 (2011).
NE Code § 44-7533 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-7533 - Appeals.

44-7533.  Appeals.Any order or decision of the director made pursuant to the Property and Casualty Insurance Rate and Form Act may be appealed by any party in interest. The appeal shall be in accordance with the Administrative Procedure Act.Source Laws 2000, LB 1119, § 33. Cross References  Administrative Procedure Act, see section 84-920.
NE Code § 44-7534 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-7534 - Electronic filings and correspondence.

44-7534.  Electronic filings and correspondence.The director may make reasonable arrangements and adopt and promulgate rules and regulations to allow or to facilitate the use of electronic media to make filings or to engage in correspondence required by the Property and Casualty Insurance Rate and Form Act.Source Laws 2000, LB 1119, § 34.
NE Code § 44-7535 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-7535 - Rules and regulations.

44-7535.  Rules and regulations.The director may adopt and promulgate rules and regulations to carry out the Property and Casualty Insurance Rate and Form Act. The rules and regulations shall not be effective prior to January 1, 2001.Source Laws 2000, LB 1119, § 35.
NE Code § 44-7601 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-7601 - Act, how cited.

44-7601.  Act, how cited.Sections 44-7601 to 44-7618 shall be known and may be cited as the Multiple Employer Welfare Arrangement Act.Source  Laws 2002, LB 1139, § 1;  Laws 2020, LB1014, § 1.
NE Code § 44-7602 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-7602 - Legislative findings and intent.

44-7602.  Legislative findings and intent.(1) The Legislature finds and declares that the United States Congress recognized multiple employer welfare arrangements as vehicles for offering traditional accident and health benefit programs through the Employee Retirement Income Security Act of 1974. Multiple employer welfare arrangements may be subject to state regulatory and fiscal standards not inconsistent with the federal act if the multiple employer welfare arrangement offers health benefit plans that are not fully insured. The provisions of the Multiple Employer Welfare Arrangement Act are consistent with and authorized by the federal act, which confers upon the states authority to regulate multiple employer welfare arrangements.(2) It is the intent of the Legislature:(a) To promote the legitimacy and the financial integrity of health benefit plans that are not fully insured by requiring multiple employer welfare arrangements offering such plans to obtain a certificate of registration from the director;(b) That the Multiple Employer Welfare Arrangement Act not apply to fully insured health benefit plans offered by multiple employer welfare arrangements;(c) That the act shall be construed to mean that multiple employer welfare arrangements are not insurers for purposes of the insurance laws of this state; and(d) That the insurance laws of this state not apply to health benefit plans offered by multiple employer welfare arrangements except as specifically set forth in the act.Source Laws 2002, LB 1139, § 2.
NE Code § 44-7603 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-7603 - Terms, defined.

44-7603.  Terms, defined.For purposes of the Multiple Employer Welfare Arrangement Act:(1) Certificate of registration means a document issued by the director authorizing a multiple employer welfare arrangement to offer a health benefit plan that is not fully insured;(2) Covered individual means (a) an employee who is covered by a health benefit plan provided through a multiple employer welfare arrangement in which the employer is participating or (b) a self-employed individual who is covered by a health benefit plan provided through a multiple employer welfare arrangement. Covered individual includes a dependent of an employee or self-employed individual as defined under the terms of the health benefit plan;(3) Director means the Director of Insurance;(4) Fully insured health benefit plan means a health benefit plan which provides for health benefits, all of which are guaranteed under a contract or policy of insurance issued by an insurance company licensed to transact the business of insurance in this state;(5) Health benefit plan means an employee welfare benefit plan to the extent that it provides any hospital, surgical, or medical expense benefits to covered individuals directly or through insurance, reimbursement, or otherwise. Health benefit plan does not include (a) accident-only, disability income, hospital confinement indemnity, dental, or credit insurance, (b) coverage issued as a supplement to liability insurance, (c) medicare or insurance provided as a supplement to medicare, (d) insurance arising from workers' compensation provisions, (e) automobile medical payment insurance, (f) any other specific limited coverage, or (g) insurance under which benefits are payable with or without regard to fault and which is statutorily required to be contained in any liability insurance policy;(6) Multiple employer welfare arrangement means a multiple employer welfare arrangement as defined by 29 U.S.C. 1002, as such section existed on January 1, 2002, if the multiple employer welfare arrangement is sponsored by an association of employers that offers a health benefit plan that is not fully insured. Such association of employers may include self-employed individuals;(7) Participating employer means an employer or self-employed individual that participates in a multiple employer welfare arrangement; and(8) Self-employed individual means an individual who:(a) Has an ownership interest in a trade or business in Nebraska, regardless of whether the trade or business is incorporated or unincorporated;(b) Earns wages or self-employment income from the trade or business; and(c) Works at least twenty hours per week or eighty hours per month providing personal services to the trade or business or earns annual income from the trade or business in an amount that is no less than the individual's and any covered dependent's annual cost for health benefit plan coverage under the multiple employer welfare arrangement.Source  Laws 2002, LB 1139, § 3;  Laws 2020, LB1014, § 2.
NE Code § 44-7604 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-7604 - Health benefit plan; offer to self-employed individual or employer; restrictions.

44-7604.  Health benefit plan; offer to self-employed individual or employer; restrictions.No multiple employer welfare arrangement may offer to a self-employed individual or to an employer that is domiciled in this state or that has its principal headquarters or principal administrative offices in this state a health benefit plan unless the health benefit plan is a fully insured health benefit plan or unless the multiple employer welfare arrangement obtains and maintains a certificate of registration pursuant to the Multiple Employer Welfare Arrangement Act.Source  Laws 2002, LB 1139, § 4;  Laws 2020, LB1014, § 3.
NE Code § 44-7605 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-7605 - Certificate of registration; procedure.

44-7605.  Certificate of registration; procedure.(1) A multiple employer welfare arrangement seeking to offer a health benefit plan that is not fully insured shall apply for a certificate of registration in a form prescribed by the director. The application shall be completed and submitted to the director together with a one-thousand-dollar fee and the following:(a) Copies of all articles, bylaws, agreements, and other documents or instruments describing the organizational structure of the applicant;(b) Copies of all materials and documents describing the rights and obligations of participating employers and covered individuals with respect to the applicant;(c) A copy of the trust agreement of the applicant;(d) A copy of the unaudited financial statement required by section 44-7613;(e) A statement showing in full detail the plan for offering a health benefit plan by the applicant;(f) Copies of all contracts and other instruments proposed to be made, offered, or sold by the applicant to its participating employers, together with a copy of its summary plan description and the proposed advertising matter to be used in the solicitation of participating employers;(g) A copy of the contract with the third-party administrator retained, if any, to administer the health benefit plan;(h) A copy of the stop-loss insurance policy required by section 44-7609; and(i) Any other reasonable information requested by the director.(2) The director shall deny a certificate of registration if the applicant does not meet the requirements of the Multiple Employer Welfare Arrangement Act. Notice of denial shall be in writing and shall set forth the basis for the denial. If the applicant submits a written request for reconsideration within thirty days after the notice was sent by the director, the director shall conduct a hearing on the denial pursuant to the Administrative Procedure Act.Source  Laws 2002, LB 1139, § 5;  Laws 2020, LB1014, § 4.  Cross References  Administrative Procedure Act, see section 84-920.
NE Code § 44-7606 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-7606 - Association of participating employers or covered individuals; requirements.

44-7606.  Association of participating employers or covered individuals; requirements.A multiple employer welfare arrangement may only be established and maintained by an association of participating employers or covered individuals who are self-employed individuals. The association shall not condition membership in the association, the amounts of dues or other payments for membership, or coverage under a health benefit plan on the basis of health-status-related factors with respect to the covered individuals offered coverage under the health benefit plan. The association shall:(1) Have been in existence and engaged in substantive activity for its members other than sponsorship of a health benefit plan for more than three years prior to application for a certificate of registration;(2) Be composed of two or more members, all of which are in the same trade or industry; and(3) Have, before application for a certificate of registration is made, applications for participation (a) from two or more members who are participating employers with an aggregate of two hundred or more covered individuals or (b) from at least two hundred covered individuals who are self-employed individuals.Source  Laws 2002, LB 1139, § 6;  Laws 2020, LB1014, § 5.
NE Code § 44-7607 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-7607 - Trust required; when.

44-7607.  Trust required; when.(1) A multiple employer welfare arrangement offering a health benefit plan that is not fully insured shall establish a trust pursuant to a written trust agreement to hold all funds pertaining to the health benefit plan. The trust shall be operated by a board of trustees pursuant to the trust agreement.(2)(a) All members of the board of trustees shall be owners, partners, officers, directors, or employees of one or more participating employers.(b) No person may be a member of the board of trustees if such person:(i) Is an owner, officer or employee, or a partner in, or a contract administrator, or other service provider to the health benefit plan or of any third-party administrator of the multiple employer welfare arrangement; or(ii) Has been convicted of any felony or a Class I, II, or III misdemeanor.Source Laws 2002, LB 1139, § 7.
NE Code § 44-7608 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-7608 - Board of trustees; duties.

44-7608.  Board of trustees; duties.The board of trustees of the multiple employer welfare arrangement as required by section 44-7607 shall:(1) Serve as a fiduciary of the trust;(2) Be responsible as plan administrator for all operations of the health benefit plan;(3) Have in effect rules of operation and financial control based on an annual plan of operation, adequate to carry out the terms of the health benefit plan and to meet all requirements of the Multiple Employer Welfare Arrangement Act;(4) Consider applications of association members for participation in the multiple employer welfare arrangement; and(5) Hold and maintain a stop-loss insurance policy pursuant to the requirements of section 44-7609.Source Laws 2002, LB 1139, § 8.
NE Code § 44-7609 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-7609 - Stop-loss insurance policy; requirements.

44-7609.  Stop-loss insurance policy; requirements.(1) A multiple employer welfare arrangement offering a health benefit plan that is not fully insured shall be a named insured under a stop-loss insurance policy that provides coverage in excess of the multiple employer welfare arrangement's retention of one hundred twenty-five percent of the multiple employer welfare arrangement's expected health claims costs as determined on an aggregate basis.(2) A policy issued to satisfy the requirements of subsection (1) of this section shall:(a) Be evidenced by a binder or policy by an insurer licensed to transact the business of insurance in this state; and(b) Contain a provision that the coverage may not be terminated by the insurer unless the multiple employer welfare arrangement and the director receive a written notice of termination from the insurer at least thirty days before the effective date of the termination.Source Laws 2002, LB 1139, § 9.
NE Code § 44-7610 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-7610 - Assessments authorized.

44-7610.  Assessments authorized.If the assets of, and stop-loss insurance policy issued to, a multiple employer welfare arrangement are at any time insufficient to pay claims made against a health benefit plan, discharge liabilities and obligations relating to health benefit plan claims, and maintain adequate reserves and surpluses, the board of trustees shall be authorized to assess the participating employers in an amount necessary to remedy the deficiency.Source Laws 2002, LB 1139, § 10.
NE Code § 44-7611 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-7611 - Termination; liability.

44-7611.  Termination; liability.Any participating employer that voluntarily terminates its participation in the multiple employer welfare arrangement or that is involuntarily terminated by the multiple employer welfare arrangement shall remain liable subsequent to the date of termination for all contractual obligations it has entered into with the multiple employer welfare arrangement on or before the date of termination.Source Laws 2002, LB 1139, § 11.
NE Code § 44-7612 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-7612 - Coverage notification; summary plan description; claim or appeal denial notice; statement required.

44-7612.  Coverage notification; summary plan description; claim or appeal denial notice; statement required.(1) A multiple employer welfare arrangement shall notify in writing each participating employer and each covered individual applying for coverage by the multiple employer welfare arrangement that a health benefit plan provided by the multiple employer welfare arrangement is not:(a) Insurance;(b) Subject to state laws and requirements that apply to health insurance offered by a licensed insurer; and(c) Covered by the Nebraska Life and Health Insurance Guaranty Association.(2) The notice required by subsection (1) of this section shall, in ten-point or greater type, disclose that the multiple employer welfare arrangement is authorized under state law to assess participating employers for claims under the health benefit plan in addition to other remedies the multiple employer welfare arrangement may take if the multiple employer welfare arrangement is unable to pay claims.(3) If the multiple employer welfare arrangement provides coverage to covered individuals who are self-employed individuals, the multiple employer welfare arrangement shall include a statement in the summary plan description and any claim or appeal denial notice that self-employed covered individuals may contact the Director of Insurance. Such statement shall include the mailing address and telephone number for the Department of Insurance.Source  Laws 2002, LB 1139, § 12;  Laws 2020, LB1014, § 6.  Cross References  Nebraska Life and Health Insurance Guaranty Association, see section 44-2705.