reglab/housing_qa huggingface dataset:
CT Gen Stat § 38a-999 (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 705 - Connecticut Insurance Information and Privacy Protection Act|Section 38a-999 - Written policies, standards and procedures re medical record information.

 (a) An insurance institution, agent or insurance support organization that regularly collects, uses or discloses medical record information, as defined in section 38a-976, shall develop and implement written policies, standards and procedures for the management, transfer and security of medical record information, including policies, standards and procedures to guard against the unauthorized collection, use or disclosure of medical record information by the insurance institution, agent or insurance support organization or any employee or agent thereof. Such policies, standards and procedures shall include:(1) Limitation on access to medical record information by only those persons who need to use the medical record information in order to perform their jobs;(2) Appropriate training for all employees identified in subdivision (4) of this subsection;(3) Disciplinary measures for violations of the medical record information policies, standards and procedures;(4) Identification of the job titles of persons that are authorized to use or disclose medical record information;(5) Procedures for authorizing and restricting the collection, use or disclosure of medical record information;(6) Methods for handling, disclosing, storing and disposing of medical record information;(7) Periodic monitoring of the employees' compliance with the policies, standards and procedures in a manner sufficient for the insurance institution, agent or insurance support organization to determine compliance with this section and to enforce its policies, standards and procedures; and(8) Additional protection against unauthorized disclosure of sensitive health information, which shall include information regarding: Sexually transmitted diseases; mental health; substance abuse; the human immunodeficiency virus and acquired immune deficiency syndrome; and genetic testing, including the fact that an individual has undergone a genetic test.(b) An insurance institution, agent or insurance support organization shall make the medical record information policies, standards and procedures developed pursuant to this section available for review by the Insurance Commissioner.(c) A summary of such policies, standards and procedures shall be made available to enrollees upon enrollment and upon request.(P.A. 99-284, S. 25, 60; P.A. 14-235, S. 10.)History: P.A. 99-284 effective July 1, 2000; P.A. 14-235 made a technical change in Subsec. (a).
CT Gen Stat § 38a-999a (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 705 - Connecticut Insurance Information and Privacy Protection Act|Section 38a-999a - Disclosure of individually identifiable medical record information with malicious intent prohibited. Penalty.

 (a) No person shall disclose individually identifiable medical record information, as defined in subsection (r) of section 38a-976, with the malicious intent to damage an individual's reputation or character.(b) Any person who violates subsection (a) of this section shall be fined not more than five hundred dollars or imprisoned not more than three months or both for the first offense and shall be fined not more than two thousand dollars or imprisoned not more than one year or both for each subsequent offense.(P.A. 99-284, S. 26, 60.)History: P.A. 99-284 effective July 1, 2000.
CT Gen Stat § 38a-1000 (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 706 - Private Employer Workers' Compensation Group Self-Insurance|Section 38a-1000 - Applicability.

 The provisions of subsection (e) of section 31-288 and sections 31-289b, 31-316, 31-345 and 38a-1000 to 38a-1023, inclusive, shall apply to workers' compensation self-insurance groups here and after formed in accordance with said sections. Subsection (e) of section 31-288 and sections 31-289b, 31-316, 31-345 and 38a-1000 to 38a-1023, inclusive, shall not apply to public employees or governmental entities. Groups which are issued a certificate of approval by the commissioner shall be subject to the provisions of sections 38a-14 and 38a-17 but shall not be deemed to be insurers or insurance companies and shall not be subject to the provisions of this title and any regulations issued pursuant to this title except as otherwise provided.(P.A. 96-267, S. 1.)
CT Gen Stat § 38a-1001 (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 706 - Private Employer Workers' Compensation Group Self-Insurance|Section 38a-1001 - Definitions.

 As used in subsection (e) of section 31-288 and sections 31-289b, 31-316, 31-345 and 38a-1000 to 38a-1023, inclusive:(1) “Administrator” means an individual, partnership or corporation engaged by a workers' compensation self-insurance group's board of trustees to carry out the policies established by the group's board of trustees and to provide day-to-day management of the group.(2) “Commissioner” means the Insurance Commissioner.(3) “Insolvent” or “insolvency” means the inability of a workers' compensation self-insurance group to pay its outstanding lawful obligations as they mature in the regular course of business, as may be shown either by an excess of its required reserves and other liabilities over its assets or by its not having sufficient assets to reinsure all of its outstanding liabilities after paying all accrued claims owed by it.(4) “Net premium” means premium derived from standard premium adjusted by any advance premium discounts.(5) “Service company” means a person or entity which provides services not provided by the administrator, including but not limited to: (A) Claims adjustment; (B) safety engineering; (C) compilation of statistics and the preparation of premium, loss and tax reports; (D) preparation of other required self-insurance reports; (E) development of members' assessments and fees; and (F) administration of a claim fund.(6) “Standard premium” means the premium derived from the manual rates adjusted by experience modification factors but before advance premium discounts.(7) “Workers' compensation”, when used as a modifier of “benefits”, “liabilities” or “obligations”, includes both workers' compensation and employers' liability.(8) “Workers' compensation self-insurance group” or “group” means a not-for-profit association consisting of fifteen or more employers who are engaged in the same or similar type of business, who are members of the same bona fide trade or professional association which has been in existence for not less than five years, and who enter into agreements to pool their liabilities for workers' compensation benefits and employers' liability.(P.A. 96-267, S. 2.)
CT Gen Stat § 38a-1002 (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 706 - Private Employer Workers' Compensation Group Self-Insurance|Section 38a-1002 - Approval of self-insurance group required.

 No person, association or other entity shall act as a workers' compensation self-insurance group unless it has received approval by the commissioner to transact such business.(P.A. 96-267, S. 3.)
CT Gen Stat § 38a-1004 (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 706 - Private Employer Workers' Compensation Group Self-Insurance|Section 38a-1004 - Duration and termination of certificate of approval.

 (a) The certificate of approval issued by the commissioner to a workers' compensation self-insurance group shall authorize the group to provide workers' compensation benefits. The certificate of approval shall remain in effect until terminated at the request of the group or revoked by the commissioner, pursuant to the provisions of section 38a-1021, or any other provision of this title.(b) The commissioner shall not grant the request of any group to terminate its certificate of approval unless such group has insured or reinsured all incurred workers' compensation obligations with an authorized insurer under an agreement filed with and approved, in writing, by the commissioner. Such obligations shall include both known claims and expenses associated therewith and claims incurred but not reported and expenses associated therewith.(c) Subject to the approval of the commissioner, any group may merge with another group engaged in the same or similar type of business only if the resulting group assumes in full all obligations of the merging groups. The commissioner may hold a hearing on the merger and shall do so if any party, including any member of any of the merging groups, requests it.(P.A. 96-267, S. 5.)
CT Gen Stat § 38a-1005 (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 706 - Private Employer Workers' Compensation Group Self-Insurance|Section 38a-1005 - Examination of group. Costs.

 The commissioner may examine the affairs, transactions, accounts, records, assets and liabilities of each group if said commissioner has reasonable cause to believe that such examination is necessary. The expense of such examinations shall be assessed against the group in the same manner that insurers are assessed for examinations.(P.A. 96-267, S. 6.)
CT Gen Stat § 38a-1006 (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 706 - Private Employer Workers' Compensation Group Self-Insurance|Section 38a-1006 - Group board of trustees.

 Each group shall be operated by a board of trustees which shall consist of not less that five persons whom the members of a group elect for stated terms of office. At least two-thirds of the trustees shall be employees, officers or directors of members of the group. The group's service company or any owner, officer, employee of, or any other person affiliated with such service company shall not serve on the board of trustees of the group. All trustees shall be residents of this state or officers of corporations authorized to do business in this state. The board of trustees of each group shall ensure that all claims are paid promptly and take all necessary precautions to safeguard the assets of the group, including all of the following:(1) The board of trustees shall:(A) Maintain responsibility for all moneys collected or disbursed from the group and segregate all moneys into a claims fund account and an administrative fund account. At least seventy per cent of the net premium shall be placed into a designated depository for the sole purpose of paying claims, allocated claims expenses, reinsurance or excess insurance and special fund contributions, including second injury and other loss-related funds. This shall be called the “claims fund account”. The remaining net premium shall be placed into a designated depository for the payment of taxes, general regulatory fees and assessments and administrative costs. This shall be called the “administrative fund account”. The commissioner may approve an administrative fund account of more than thirty per cent and a claims fund account of less than seventy per cent only if the group shows to the commissioner's satisfaction that: (i) More than thirty per cent is needed for an effective safety and loss control program; or (ii) the group's aggregate excess insurance attaches at less than seventy per cent.(B) Maintain minutes of its meetings and make the minutes available to the commissioner.(C) Designate an administrator to carry out the policies established by the board of trustees and to provide day-to-day management of the group, and delineate in the written minutes of its meetings the areas of authority it delegates to the administrator.(D) Retain an independent certified public accountant to prepare the statement of financial condition required by subsection (a) of section 38a-1010.(2) The board of trustees shall not:(A) Extend credit to individual members for payment of a premium, except pursuant to payment plans approved by the commissioner.(B) Borrow any moneys from the group or in the name of the group except in the ordinary course of business without first advising the commissioner of the nature and purpose of the loan and obtaining prior approval from the commissioner.(P.A. 96-267, S. 7.)
CT Gen Stat § 38a-1007 (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 706 - Private Employer Workers' Compensation Group Self-Insurance|Section 38a-1007 - Requirements for an employer to join group after its approval. Termination of membership. Insolvency or bankruptcy of member.

 (a) An employer joining a workers' compensation self-insurance group after the group has been issued a certificate of approval shall: (1) Submit an application for membership to the board of trustees or its administrator; and (2) enter into the indemnity agreement required by subparagraph (B) of subdivision (5) of subsection (b) of section 38a-1003. Membership takes effect no earlier than each member's date of approval. The application for membership and its approval shall be maintained as permanent records of the board of trustees.(b) Individual members of a group shall be subject to cancellation by the group pursuant to the bylaws of the group. In addition, individual members may elect to terminate their participation in the group. The group shall notify the Commissioner and chairman of the Workers' Compensation Commission of a termination or cancellation of a member within ten days and shall maintain coverage of each cancelled or terminated member for thirty days after notice, at the terminating member's expense, unless the group is notified sooner by the Workers' Compensation Commission that the cancelled or terminated member has procured workers' compensation insurance, has become an approved self-insurer or has become a member of another group.(c) The group shall pay all workers' compensation benefits for which each member incurs liability during its period of membership. A member who elects to terminate its membership or is cancelled by a group remains jointly and severely liable for workers' compensation obligations of the group and its members which were incurred during the cancelled or terminated member's period of membership.(d) A group member shall not be relieved of its workers' compensation liabilities incurred during its period of membership except through payment by the group or the member of required workers' compensation benefits.(e) The insolvency or bankruptcy of a member shall not relieve the group or any other member of liability for the payment of any workers' compensation benefits incurred during the insolvent or bankrupt member's period of membership.(P.A. 96-267, S. 8.)
CT Gen Stat § 38a-1008 (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 706 - Private Employer Workers' Compensation Group Self-Insurance|Section 38a-1008 - Service company and administrator to be mutually disinterested.

 (a) No service company or its employees, officers or directors shall be an employee, officer or director of, or have either a direct or indirect financial interest in, an administrator. No administrator or its employees, officers or directors shall be an employee, officer or director of, or have either a direct or indirect financial interest in, a service company.(b) The service contract shall state that unless the commissioner permits otherwise the service company shall handle, to its conclusion, all claims and other obligations incurred during the contract period.(P.A. 96-267, S. 9.)
CT Gen Stat § 38a-1009 (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 706 - Private Employer Workers' Compensation Group Self-Insurance|Section 38a-1009 - Nonemployee soliciting group membership must be licensed.

 Except for a salaried employee of a group, its administrator or its service company, any person soliciting membership for a workers' compensation self-insurance group shall be licensed pursuant to chapter 702.(P.A. 96-267, S. 10.)
CT Gen Stat § 38a-1010 (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 706 - Private Employer Workers' Compensation Group Self-Insurance|Section 38a-1010 - Annual statement of financial condition required. Untrue statement prohibited.

 (a) Each group shall submit to the commissioner a statement of financial condition audited by an independent certified public accountant on or before the last day of the sixth month following the end of the group's fiscal year. The financial statement shall be in a form prescribed by the commissioner and shall include, but not be limited to, actuarially appropriate reserves for: (1) Known claims and any associated expenses; (2) claims incurred but not reported and any associated expenses; (3) unearned premiums; and (4) bad debts, which shall be shown as liabilities.(b) An actuarial opinion regarding reserves for: (1) Known claims and any associated expenses; and (2) claims incurred but not reported and any associated expenses shall be included in the audited financial statement. The actuarial opinion shall be prepared (A) by an independent person with a designation of Fellow of the Casualty Actuarial Society (FCAS), (B) by a member of the American Academy of Actuaries (MAAA) with experience in preparing such opinions, or (C) by any other qualified loss reserve specialist in accordance with the provisions of section 38a-14.(c) No person shall make any untrue statement of a material fact, or omit to state a material fact necessary in order to make the statement made, in light of the circumstances under which it is made, not misleading, in connection with the solicitation of membership in a group.(d) The commissioner may prescribe the format and frequency of other reports which may include, but shall not be limited to, payroll audit reports, summary loss reports and quarterly financial statements and make any regulations necessary to carry out the provisions of subsection (e) of section 31-288 and sections 31-289b, 31-316, 31-345 and 38a-1000 to 38a-1023, inclusive.(P.A. 96-267, S. 11; P.A. 12-145, S. 40.)History: P.A. 12-145 made technical changes in Subsec. (b), effective June 15, 2012.
CT Gen Stat § 38a-1011 (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 706 - Private Employer Workers' Compensation Group Self-Insurance|Section 38a-1011 - Taxes.

 Each workers' compensation self-insurance group, as defined in section 38a-1001, shall pay a tax to the Commissioner of Revenue Services for the calendar year commencing on January 1, 1997, and annually thereafter, at the rate of one and three-quarters per cent of the total net premium received on any new or renewal contract or policy by such group during each such calendar year, which shall be in addition to any other payment required under sections 31-345, 31-354 and 38a-48. The provisions of chapter 207 pertaining to the filing of returns, declarations, installment payments, assessments and collection of taxes, penalties, administrative hearings and appeals imposed on domestic insurance companies shall apply with respect to the charge imposed under this section.(P.A. 96-267, S. 12.)
CT Gen Stat § 38a-1012 (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 706 - Private Employer Workers' Compensation Group Self-Insurance|Section 38a-1012 - Misrepresentation and omission in membership solicitation prohibited.

 No person shall make a material misrepresentation or omission of a material fact in connection with the solicitation of membership of a group.(P.A. 96-267, S. 13.)
CT Gen Stat § 38a-1013 (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 706 - Private Employer Workers' Compensation Group Self-Insurance|Section 38a-1013 - Investments.

 Funds not needed for current obligations may be invested by the board of trustees in accordance with sections 38a-102 to 38a-102h, inclusive.(P.A. 96-267, S. 14.)
CT Gen Stat § 38a-1014 (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 706 - Private Employer Workers' Compensation Group Self-Insurance|Section 38a-1014 - Classifications and rating. Premium contributions. Audits. Hearings.

 (a) Every workers' compensation self-insurance group shall adhere to the uniform classification system, uniform experience rating plan and manual rules filed with the commissioner.(b) Premium contributions to the group shall be determined by applying the manual rates and rules to the appropriate classification of each member which shall be adjusted by each member's experience credit or debit. Subject to approval by the commissioner, any premium contributions may also be reduced by an advance premium discount factor reflecting the groups expense levels and loss experience.(c) Notwithstanding the provisions of subsection (b) of this section, a group may apply to the commissioner for permission to utilize its own rates. Such rates shall be based on at least five years of experience of the members of the group.(d) Each group shall be audited at least annually by an auditor acceptable to the commissioner to verify proper classifications, experience rating, payroll and rates. A report of the audit shall be filed with the commissioner in a form acceptable to the commissioner. A group or any member thereof may request a hearing on any objections to the classifications. If the commissioner determines that as a result of an improper classification, a member's premium contribution is insufficient, he shall order the group to assess that member in an amount equal to the deficiency. If the commissioner determines that as a result of an improper classification a member's premium is excessive, he shall order the group to refund to the member the excess collected. Any audit shall be at the expense of the group.(P.A. 96-267, S. 15.)
CT Gen Stat § 38a-1015 (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 706 - Private Employer Workers' Compensation Group Self-Insurance|Section 38a-1015 - Excess moneys refundable. Refund plan. Notice.

 (a) Any moneys for a fund year in excess of the amount necessary to fund all obligations for that fund year may be declared to be refundable by the board of trustees not less than twelve months after the end of the fund year.(b) Each member shall be given a written description of the refund plan at the time of application for membership. A refund for any fund year shall be paid only to those employers who remain participants in the group for the entire fund year. Payment of a refund based on a previous fund year shall not be contingent on continued membership in the group after that fund year.(P.A. 96-267, S. 16.)
CT Gen Stat § 38a-1016 (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 706 - Private Employer Workers' Compensation Group Self-Insurance|Section 38a-1016 - Premium payment plan required. Loss reserves. Bad debt reserves.

 (a) Each group shall establish to the satisfaction of the commissioner a premium payment plan which shall include: (1) An initial payment by each member of at least twenty-five per cent of that member's annual premium before the start of the group's fund year; and (2) payment of the balance of each member's annual premium in monthly or quarterly installments.(b) Each group shall establish and maintain actuarially appropriate loss reserves which shall include reserves for: (1) Known claims and any associated expenses; and (2) Claims incurred but not reported and any associated expenses.(c) Each group shall establish and maintain bad debt reserves based on the historical experience of the group or other groups or such other data as the commissioner may determine.(P.A. 96-267, S. 17.)