reglab/housing_qa huggingface dataset:
NJ Rev Stat § 17B:26-22 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:26-22 - Relation of earnings to insurance

17B:26-22. Relation of earnings to insurance  There may be a provision as follows: Relation of earnings to insurance: If the total monthly amount of loss of time benefits promised for the same loss under all valid loss of time coverage upon the insured, whether payable on a weekly or monthly basis, shall exceed the monthly earnings of the insured at the time disability commenced or his average monthly earnings for the period of two years immediately preceding a disability for which claim is made, whichever is the greater, the insurer will be liable only for such proportionate amount of such benefits under this policy as the amount of such monthly earnings or such average monthly earnings of the insured bears to the total amount of monthly benefits for the same loss under all such coverage upon the insured at the time such disability commences and for the return of such part of the premiums paid during such two years as shall exceed the pro-rata amount of the premiums for the benefits actually paid hereunder; but this shall not operate to reduce the total monthly amount of benefits payable under all such coverage upon the insured below the sum of two hundred dollars or the sum of the monthly benefit specified in such coverages, whichever is the lesser, nor shall it operate to reduce benefits other than those payable for loss of time. (The foregoing policy provision may be inserted only in a policy which the insured has the right to continue in force subject to its terms by the timely payment of premiums a. until at least age 50, or b. in the case of a policy issued after age 44, for at least five years from its date of issue. The insurer may, at its option, include in this provision a definition of "valid loss of time coverage," approved as to form by the commissioner, which definition shall be limited in subject matter to coverage provided by governmental agencies or by organizations subject to regulation by insurance law or by insurance authorities of this or any other State of the United States or any province of Canada, or to any other coverage the inclusion of which may be approved by the commissioner or any combination of such coverages. In the absence of such definition such terms shall not include any coverage provided for such insured pursuant to any compulsory benefit statute (including any workmen's compensation or employer's liability statute), or benefits provided by union welfare plans or by employer or employee benefit organizations.) L.1971, c. 144, s. 17B:26-22.
NJ Rev Stat § 17B:26-23 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:26-23 - Unpaid premium

17B:26-23. Unpaid premium  There may be a provision as follows: Unpaid premium: Upon the payment of a claim under this policy, any premium then due and unpaid or covered by any note or written order may be deducted therefrom. L.1971, c. 144, s. 17B:26-23.
NJ Rev Stat § 17B:26-24 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:26-24 - Cancellation

17B:26-24. Cancellation  There may be a provision as follows: Cancellation: The insurer may cancel this policy at any time by written notice delivered to the insured, or mailed to his last address as shown by the records of the insurer, stating when, not less than five days thereafter, such cancellation shall be effective; and after the policy has been continued beyond its original term the insured may cancel this policy at any time by written notice delivered or mailed to the insurer, effective upon receipt or on such later date as may be specified in such notice. In the event of cancellation, the insurer will return promptly the unearned portion of any premium paid. If the insured cancels, the earned premium shall be computed by the use of the short-rate table last filed with the State official having supervision of insurance in the State where the insured resided when the policy was issued. If the insurer cancels, the earned premium shall be computed pro-rata. Cancellation shall be without prejudice to any claim originating prior to the effective date of cancellation. L.1971, c. 144, s. 17B:26-24.
NJ Rev Stat § 17B:26-25 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:26-25 - Conformity with State statutes

17B:26-25. Conformity with State statutes  There may be a provision as follows: Conformity with State statutes: Any provision of this policy which, on its effective date, is in conflict with the statutes of the State in which the insured resides on such date is hereby amended to conform to the minimum requirements of such statutes. L.1971, c. 144, s. 17B:26-25.
NJ Rev Stat § 17B:26-26 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:26-26 - Illegal occupation

17B:26-26. Illegal occupation  There may be a provision as follows: Illegal occupation: The insurer shall not be liable for any loss to which a contributing cause was the insured's commission of or attempt to commit a felony or to which a contributing cause was the insured's being engaged in an illegal occupation. L.1971, c. 144, s. 17B:26-26.
NJ Rev Stat § 17B:26-27 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:26-27 - Intoxicants and narcotics

17B:26-27. Intoxicants and narcotics  There may be a provision as follows: Intoxicants and narcotics: The insurer shall not be liable for any loss sustained or contracted in consequence of the insured's being intoxicated or under the influence of any narcotic unless administered on the advice of a physician. L.1971, c. 144, s. 17B:26-27.
NJ Rev Stat § 17B:26-28 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:26-28 - Inapplicable or inconsistent provisions

17B:26-28. Inapplicable or inconsistent provisions  If any provision of sections 17B:26-3 to 17B:26-31, inclusive, is in whole or in part inapplicable to or inconsistent with the coverage provided by a particular form of policy the insurer, with the approval of the commissioner, shall omit from such policy any inapplicable provision or part of a provision, and shall modify any inconsistent provision or part of the provision in such manner as to make the provision as contained in the policy consistent with the coverage provided by the policy. L.1971, c. 144, s. 17B:26-28.
NJ Rev Stat § 17B:26-29 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:26-29 - Order of certain policy provisions

17B:26-29. Order of certain policy provisions  The provisions which are the subject of sections 17B:26-3 to 17B:26-27, inclusive, or any corresponding provisions which are used in lieu thereof in accordance with such sections, shall be printed in the consecutive order of the provisions in such sections or, at the option of the insurer, any such provision may appear as a unit in any part of the policy, with other provisions to which it may be logically related, provided the resulting policy shall not be in whole or in part unintelligible, uncertain, ambiguous, abstruse, or likely to mislead a person to whom the policy is offered, delivered or issued. L.1971, c. 144, s. 17B:26-29.
NJ Rev Stat § 17B:26-30 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:26-30 - Third party ownership

17B:26-30. Third party ownership  The word "insured," as used in this chapter, shall not be construed as preventing a person other than the insured with a proper insurable interest from making application for and owning a policy covering the insured or from being entitled under such a policy to any indemnities, benefits and rights provided therein. L.1971, c. 144, s. 17B:26-30.
NJ Rev Stat § 17B:26-31 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:26-31 - Requirements of other jurisdictions

17B:26-31. Requirements of other jurisdictions  a. Any policy of a foreign or alien insurer, when delivered or issued for delivery to any person in this State, may contain any provision which is not less favorable to the insured or the owner, if other than the insured, than the provisions of this chapter and which is prescribed or required by the law of the State under which the insurer is organized. b. Any policy of a domestic insurer may, when issued for delivery in any other State or country, contain any provision permitted or required by the laws of such other State or country. L.1971, c. 144, s. 17B:26-31.
NJ Rev Stat § 17B:26-32 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:26-32 - Other policy provisions

17B:26-32. Other policy provisions  No policy provision which is not subject to sections 17B:26-3 to 17B:26-31, inclusive, of this chapter shall make a policy, or any portion thereof, less favorable in any respect to the insured or the owner, if other than the insured, than the provisions thereof which are subject to this chapter. L.1971, c. 144, s. 17B:26-32.
NJ Rev Stat § 17B:26-33 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:26-33 - Policy conflicting with this chapter

17B:26-33. Policy conflicting with this chapter  A policy delivered or issued for delivery to any person in this State in violation of this chapter shall be held valid but shall be construed as provided in this chapter. When any provision in a policy subject to this chapter is in conflict with any provision of this chapter, the rights, duties and obligations of the insurer, the insured or the owner, if other than the insured, shall be governed by the provisions of this chapter. L.1971, c. 144, s. 17B:26-33.
NJ Rev Stat § 17B:26-34 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:26-34 - Time limit on certain defenses with respect to reinstatement

17B:26-34. Time limit on certain defenses with respect to reinstatement  A policy provision complying with the requirements of section 17B:26-5, relating to a time limit on certain defenses, shall also apply to any reinstatement of the policy except that the period of time established by such provision shall commence with the date of the reinstatement instead of the date of issue of the policy. L.1971, c. 144, s. 17B:26-34.
NJ Rev Stat § 17B:26-35 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:26-35 - Waiver of rights of insurer

17B:26-35. Waiver of rights of insurer  The acknowledgment by any insurer of the receipt of notice given under any policy covered by this chapter, or the furnishing of forms for filing proofs of loss, or the acceptance of such proofs, or the investigation of any claim thereunder shall not operate as a waiver of any of the rights of the insurer in defense of any claim arising under such policy. L.1971, c. 144, s. 17B:26-35.
NJ Rev Stat § 17B:26-36 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:26-36 - Age limit

17B:26-36. Age limit  If any policy contains a provision establishing, as an age limit or otherwise, a date after which the coverage provided by the policy will not be effective, and if such date falls within a period for which premium is accepted by the insurer or if the insurer accepts a premium after such date, the coverage provided by the policy will continue in force subject to any right of cancellation until the end of the period for which premium has been accepted. In the event the age of the insured has been misstated and if, according to the correct age of the insured, the coverage provided by the policy would not have become effective, or would have ceased prior to the acceptance of such premium or premiums, then the liability of the insurer shall be limited to the refund, upon request, of all premiums paid for the period not covered by the policy. L.1971, c. 144, s. 17B:26-36.
NJ Rev Stat § 17B:26-37 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:26-37 - Scope of chapter

17B:26-37. Scope of chapter  Nothing in this chapter shall apply to or affect a. any policy of workmen's compensation insurance or any policy of liability insurance with or without supplementary coverage therein as authorized by section 17:28-1; or b. any policy or contract of reinsurance; or c. any blanket or group policy of insurance; or d. life insurance or annuity contracts, or contracts supplemental thereto, which contain only such provisions relating to health insurance as (1) providing for additional benefits in event of death by accident or accidental means or in event of dismemberment or loss of sight, or (2) safeguarding such insurance or annuity against lapse or giving a special surrender value or special benefit or an annuity in the event that the insured or the annuitant shall become totally and permanently disabled. L.1971, c. 144, s. 17B:26-37.
NJ Rev Stat § 17B:26-38 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:26-38 - Penalty

17B:26-38. Penalty  Any person who delivers or issues for delivery to any person in this State any policy in willful violation of the provisions of this chapter shall be liable to a penalty not exceeding $500.00 for each offense to be collected by the commissioner in the name of the State in a summary proceeding in accordance with the Penalty Enforcement Law (N.J.S. 2A:58-1 et seq.). L.1971, c. 144, s. 17B:26-38.
NJ Rev Stat § 17B:26-39 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:26-39 - Legislative findings and declarations

17B:26-39. Legislative findings and declarations  The Legislature hereby finds and declares that the high cost of hospital care necessitates the establishment of alternative means of caring for patients who need some professional health care, but who do not need to remain hospitalized. Home health care, therefore, is a necessary and desirable means of providing professional services to patients, consistent with the following objectives: a. Rehabilitation of the patient in order to assist in the development of independent living capabilities; b. Rehabilitation of the patient in order to attain reduction of physical or mental disability. L.1977, c. 98, s. 1.
NJ Rev Stat § 17B:26-40 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:26-40 - Definitions

17B:26-40. Definitions  As used in this act: a. "Home health care" means those nursing and other home health care services rendered to a person in his place of residence, under the following conditions: (1) On a part-time and intermittent basis, except when full-time or 24-hour services are needed on a short-term basis; (2) If continuing hospitalization would otherwise have been required if home health care were not provided; (3) Pursuant to a physician's order and under a plan of care established by the responsible physician in collaboration with a home health care provider, which plan shall be periodically reviewed and approved by said physician. All care plans shall be established within 14 days following the commencement of home health care. b. "Home health care services" means any of the following services necessary for achievement of the care plan set forth for the patient: (1) Nursing care; (2) Physical therapy; (3) Occupational therapy; (4) Medical social work; (5) Nutrition services; (6) Speech therapy; (7) Home health aide services; (8) Medical appliances and equipment, drugs, and medications, laboratory services and special meals, to the extent such items and services would have been covered under the policy if the covered person had been in a hospital; (9) Any diagnostic or therapeutic service, including surgical services, performed in a hospital outpatient department, a doctor's office or any other licensed health care facility, provided such service would have been covered under the policy if performed as inpatient hospital services. C. "Home health care provider" means a home health care agency which is certified to participate as a home health agency under Title XVIII of the Social Security Act or a proprietary agency licensed by the Commissioner of Health. At such time as home health agency licensure standards are promulgated pursuant to P.L.1971, c. 136 and 138, home health care providers shall be licensed agencies. L.1977, c. 98, s. 2.
NJ Rev Stat § 17B:26-41 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:26-41 - Home health care; requirement for provisions for coverage

17B:26-41. Home health care; requirement for provisions for coverage  Notwithstanding any provision of a policy of health insurance, hereafter delivered or issued for delivery in this State, whenever such policy provides coverage for inpatient hospital care or skilled nursing facility care, it shall also provide coverage for home health care. L.1977, c.98, s. 3.
NJ Rev Stat § 17B:26-42 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:26-42 - Benefits

17B:26-42. Benefits  Every policy shall provide benefits required by section 3 without a separate deductible or coinsurance provision for the home health care benefit. For the purpose of determining the benefits for home health care, each visit by a member of a home health care team shall be considered as one home health care visit. The policy may contain a limitation on the number of home health care visits, but no policy may provide for less than 60 home health care visits in any calendar year or in any continuous period of 12 months. L.1977, c. 98, s. 4.
NJ Rev Stat § 17B:26-43 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:26-43 - Direct reimbursement to home health care providers

17B:26-43. Direct reimbursement to home health care providers  The State Commissioner of Insurance, after consultation with the State Commissioner of Health, shall provide for a system of direct reimbursement to home health care providers for services rendered pursuant to this act. L.1977, c. 98, s. 5.
NJ Rev Stat § 17B:26-44 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:26-44 - Regulations

17B:26-44. Regulations  The State Commissioner of Insurance, after consultation with the State Commissioner of Health, is hereby empowered and directed to promulgate regulations necessary to effectuate the provisions of this act. L.1977, c. 98, s. 6.
NJ Rev Stat § 17B:26-44.1 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:26-44.1 - Policy provision for reimbursement of dental services; payment regardless of discipline of provider

17B:26-44.1. Policy provision for reimbursement of dental services; payment regardless of discipline of provider  Notwithstanding any provision of a policy or individual health insurance contract hereafter delivered, issued for delivery, amended, renewed or ratified in this State, whenever such a policy or contract provides for reimbursement for any service which is within the lawful scope of practice of a duly licensed dentist, the following provisions shall apply: a. A person covered under such policy or contract shall be entitled to reimbursement for such service regardless of whether the service is performed by a duly licensed physician or duly licensed dentist. b. Equal reimbursement rates shall be paid for services performed, regardless of the discipline of the provider of the service. L.1979, c. 161, s. 1, eff. July 19, 1979.
NJ Rev Stat § 17B:26-44.2 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:26-44.2 - Application to policy or contract not limited to reimbursement of specific types of duly licensed health care professionals other than dentists

17B:26-44.2. Application to policy or contract not limited to reimbursement of specific types of duly licensed health care professionals other than dentists  The provisions of section 1 of this act shall also apply to any policy or contract of individual health insurance already delivered or issued for delivery in this State, if such policy or contract does not limit reimbursement to specific types of duly licensed health care professionals other than dentists. L.1979, c. 161, s. 2, eff. July 19, 1979.
NJ Rev Stat § 17B:26-44.3 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:26-44.3 - Renewal date; policy with reservation of right to change premium

17B:26-44.3. Renewal date; policy with reservation of right to change premium  For the purposes of this act, a policy or contract in which the company has reserved the right to change the premium shall be considered renewed as of the date on which the premium is changed or is subject to change. L.1979, c. 161, s. 3, eff. July 19, 1979.
NJ Rev Stat § 17B:26-44.4 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:26-44.4 - Alternative dental coverage; original coverage restricted to limited number of providers

17B:26-44.4. Alternative dental coverage; original coverage restricted to limited number of providers  Each employer or other organization which employs or has 25 or more employees or members during the full preceding calendar year and which contributes to a health insurance contract which restricts the covered persons in selecting the providers of dental services to a single provider or limited number of providers, shall also offer its employees and their eligible dependents and members and members' eligible dependents at the time a dental benefits plan is offered or renewed the option of selecting alternative coverage which permits covered persons to obtain dental services from any licensed dentist. L.1983, c. 142, s. 1, eff. April 20, 1983.
NJ Rev Stat § 17B:26-44.5 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:26-44.5 - Employer contribution

17B:26-44.5. Employer contribution  An employer or other organization shall be required to pay for or contribute towards the provision of alternative coverage an amount equal to the premium or cost which it pays or contributes to the health insurance contract for dental services which limits the number of providers of dental services. L.1983, c. 142, s. 2, eff. April 20, 1983.
NJ Rev Stat § 17B:26-44.6 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:26-44.6 - Rules and regulations

17B:26-44.6. Rules and regulations  Within 120 days of the effective date of this act, the Commissioner of the Department of Insurance shall promulgate rules and regulations necessary to effectuate the purpose of this act, including procedures for notice to covered persons, employers and other organizations of the provisions of this act. L.1983, c. 142, s. 3, eff. April 20, 1983.