reglab/housing_qa huggingface dataset:
V.I. Code tit. 22, § 881 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 35 - Disability Insurance|§ 881. Requirements of other jurisdictions

 (a) Any policy of a foreign or alien insurer, when delivered or issued for delivery to any person in this territory, may contain any provision which is not less favorable to the insured or to the beneficiary than the provisions of this chapter and which is prescribed or required by the laws of the jurisdiction under which the insurer is organized. (b) Any policy of a domestic insurer may, when issued for delivery in any other jurisdiction, contain any provision permitted or required by the laws of such other jurisdiction.
V.I. Code tit. 22, § 882 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 35 - Disability Insurance|§ 882. Age limit

 If any such 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.
V.I. Code tit. 22, § 883 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 35 - Disability Insurance|§ 883. Family expense disability insurance, general provisions

 (a) Family expense disability insurance is that covering members of any one family including one or both spouses and dependents provided under a master policy issued to the head of the family. (b) Any authorized disability insurer may issue family expense disability insurance. (c) A disability policy providing such family expense coverage, in addition to other provisions required to be contained in disability policies under this chapter, shall contain the following provisions: (1) a provision that the policy and the application of the head of the family shall constitute the entire contract between the parties. (2) a provision that to the family group originally insured shall, on notice to the insurer, be added from time to time all new members of the family as they become eligible for insurance in such family group, and on the payment of such additional premium as may be required therefor.
V.I. Code tit. 22, § 884 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 35 - Disability Insurance|§ 884. Franchise plan, general provisions

 (a) Disability insurance on a franchise plan is that issued to— (1) five or more employees of a common employer; or (2) ten or more members of any bona fide trade or professional association or labor union, which association or union was formed and exists for purposes other than that of obtaining insurance, and under which such employees or members, with or without their dependents, are issued individual policies which may vary as to amounts and kinds of coverage as applied for, under an arrangement whereby the premiums on the policies are to be paid to the insurer periodically by the employer, with or without payroll deductions, or by the association, or by some designated employee or officer of the association acting on behalf of the employer or association members. (b) An insurer may charge different rates, provide different benefits, or employ different underwriting procedure for individuals insured under a franchise plan, if such rates, benefits, or procedures as used do not discriminate as between franchise plans, and do not discriminate unfairly as between individuals insured under franchise plans and individuals otherwise insured under similar policies.
V.I. Code tit. 22, § 885 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 35 - Disability Insurance|§ 885. Extended disability benefit

 A disability insurance contract which provides a reasonable amount of disability indemnity for both accidental injuries and sickness, other than a contract of group or blanket insurance, may provide a benefit in amount not exceeding $200 payable in event of death from any causes. Such benefit shall be deemed to constitute the payment of disability benefits beyond the period for which otherwise payable, and shall not be deemed to constitute life insurance.
V.I. Code tit. 22, § 886 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 35 - Disability Insurance|§ 886. Incontestability after reinstatement

 The reinstatement of any policy of noncancellable disability insurance delivered or issued for delivery in this territory after the effective date of this title shall be contestable only on account of fraud or misrepresentation of facts material to the reinstatement and only for the same period following reinstatement as is provided in the policy with respect to the contestability thereof after the original issuance of the policy.
V.I. Code tit. 22, § 901 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 37 - Group and Blanket Disability Insurance|§ 901. Group disability insurance defined

 Group disability insurance is that form of disability insurance provided by a master policy issued to an employer, to a trustee appointed by an employer or employers, or to an association of employers formed for purposes other than obtaining such insurance, covering, with or without their dependents, the employees, or specified categories of the employees, of such employers or their subsidiaries of affiliates, or issued to a labor union, or to an association of employees formed for purposes other than obtaining such insurance, covering, with or without their dependents, the members, or specified categories of the members, of the labor union or association, or issued pursuant to section 903 of this title. Group disability insurance shall also include such other groups as qualify for group life insurance under the provisions of this title.
V.I. Code tit. 22, § 902 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 37 - Group and Blanket Disability Insurance|§ 902. Employees, employer defined

 The term “employees” as used in this chapter shall be deemed to include as employees of a single employer, the compensated officers, managers, and employees of the employer and of subsidiary or affiliated corporations of a corporation employer, and the individual proprietors, partners, and employees of individuals and firms of which the business is controlled by the insured employer through stock ownership, contract or otherwise. The term “employer” as used in this chapter shall be deemed to include any municipal corporation or governmental unit, agency or department thereof as well as private individuals, firms, corporations and other persons.
V.I. Code tit. 22, § 903 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 37 - Group and Blanket Disability Insurance|§ 903. Health care groups

 A policy of group disability insurance may be issued to a corporation, as policyholder, existing primarily for the purpose of assisting individuals who are its subscribers in securing medical, hospital, dental, and other health care services for themselves and their dependents, covering all and not less than 500 such subscribers and dependents, with respect only to medical, hospital, dental, and other health care services.
V.I. Code tit. 22, § 904 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 37 - Group and Blanket Disability Insurance|§ 904. Blanket disability insurance defined

 (a) Any policy or contract or disability insurance which conforms with the description and complies with the requirements contained in one of the following paragraphs of this subsection shall be deemed a blanket disability insurance policy: (1) a policy issued to any common carrier of passengers, which carrier shall be deemed the policyholder, covering a group defined as all persons who may become such passengers, and whereby such passengers shall be insured against loss or damage resulting from death or bodily injury either while, or as a result of, being such passengers; (2) a policy issued in the name of any volunteer fire department, first aid or ambulance squad or other such volunteer organization, which shall be deemed the policyholder, and covering all the members of any such organization against loss from accidents resulting from hazards incidental to duties in connection with such organizations; (3) a policy issued in the name of any established organization whether incorporated or not, having community recognition and operated for the welfare of the community and its members and not for profit, which shall be deemed the policyholder, and covering all volunteer workers who serve without pecuniary compensation and the members of the organization, against loss from accidents occurring while engaged in the actual performance of duties on behalf of such organization or in the activities thereof; (4) a policy issued to an employer, who shall be deemed the policyholder, covering any group of employees defined by reference to exceptional hazards incident to such employment, insuring such employees against death or bodily injury resulting while, or from, being exposed to such exceptional hazards; (5) a policy covering students or employees issued to a college, school, or other institution of learning or to the head or principal thereof, who or which shall be deemed the policyholder; or (6) a policy or contract issued to any other substantially similar group, which, in the Commissioner's discretion, may be subject to the insurance of a blanket disability policy or contract. (b) Nothing contained in this section shall be deemed to affect the liability of policyholders for the death of, or injury to, any such members of such group. (c) Individual applications shall not be required from individuals covered under a blanket disability insurance contract.
V.I. Code tit. 22, § 905 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 37 - Group and Blanket Disability Insurance|§ 905. Standard provisions required

 Every policy of group or blanket disability insurance shall contain in substance the provisions as set forth in sections 906–909 and section 913, inclusive, of this title, or provisions which in the opinion of the Commissioner are more favorable to the individuals insured, or at least as favorable to such individuals and more favorable to the policyholder. No such policy of group or blanket disability insurance shall contain any provision relative to notice or proof of loss, or to the time for paying benefits, or to the time within which suit may be brought upon the policy, which in the opinion of the Commissioner is less favorable to the individuals insured than would be permitted by the standard provisions required for individual disability insurance policies.
V.I. Code tit. 22, § 906 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 37 - Group and Blanket Disability Insurance|§ 906. Contract; representations

 There shall be a provision that a copy of the application, if any, of the policyholder shall be attached to the policy when issued; that all statements made by the policyholder or by the individuals insured shall in the absence of fraud be deemed representations and not warranties, and that no statement made by any individual insured shall be used in any contest unless a copy of the instrument containing the statement is or has been furnished to such individual or to his beneficiary, if any.
V.I. Code tit. 22, § 907 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 37 - Group and Blanket Disability Insurance|§ 907. Payment of premiums

 There shall be a provision that all premiums due under the policy shall be remitted by the employer or employers of the persons insured, by the policyholder, or by some other designated person acting on behalf of the association or group insured, to the insurer on or before the due date thereof with such period of grace as may be specified therein.
V.I. Code tit. 22, § 908 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 37 - Group and Blanket Disability Insurance|§ 908. Certificates of coverage

 In group disability insurance policies there shall be a provision that the insurer shall issue to the employer, the policyholder, or other person or association in whose name such policy is issued, for delivery to each insured employee or member, a certificate setting forth in summary form a statement of the essential features of the insurance coverage, and to whom the benefits thereunder are payable described by name, relationship, or reference to the insurance records of the policyholder or insurer. If family members are insured, only one certificate need be issued for each family. This section shall not apply to blanket disability insurance policies.
V.I. Code tit. 22, § 909 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 37 - Group and Blanket Disability Insurance|§ 909. Age limitations

 There shall be a provision specifying the ages, if any there be, to which the insurance provided therein shall be limited, and the ages, if any there be, for which additional restrictions are placed on benefits, and the additional restrictions placed on the benefits at such ages.
V.I. Code tit. 22, § 910 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 37 - Group and Blanket Disability Insurance|§ 910. Examination and autopsy

 There may be a provision that the insurer shall have the right and opportunity to examine the person of the insured employee, member or dependent when and so often as it may reasonably require during the pendency of claim under the policy and also the right and opportunity to make an autopsy in case of death where it is not prohibited by law.
V.I. Code tit. 22, § 911 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 37 - Group and Blanket Disability Insurance|§ 911. Payment of benefits

 (a) The benefits payable under any policy or contract of group or blanket disability insurance shall be payable to the employee or other insured member of the group or to the beneficiary designated by him, other than the policyholder, employer or the association or any officer thereof as such, subject to provisions of the policy in the event there is no designated beneficiary as to all or any part of any sum payable at the death of the individual insured. (b) The policy may provide that any hospital, medical, or surgical benefits thereunder may be made payable jointly to the insured employee or member and the person furnishing such hospital, medical, or surgical services.
V.I. Code tit. 22, § 912 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 37 - Group and Blanket Disability Insurance|§ 912. Readjustment of premiums; dividends

 Any contract of group disability insurance may provide for the readjustment of the rate of premium based on the experience thereunder at the end of the first year or of any subsequent year of insurance thereunder, and such readjustment may be made retroactive only for such policy year. Any refund under any plan for readjustment of the rate of premium based on the experience under group policies heretofore or hereafter issued, and any dividend paid under such policies may be used to reduce the employer's share of the cost of the coverage, except that if the aggregate refunds or dividends under such group policy and any other group policy or contract issued to the policyholder exceed the aggregate contributions of the employer toward the cost of the coverages, such excess shall be applied by the policyholder for the sole benefit of insured employees.
V.I. Code tit. 22, § 913 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 37 - Group and Blanket Disability Insurance|§ 913. Limited extension of benefits

 Every policy of group disability insurance issued or subsequently renewed by agreement between the insurer and the policyholder issued under the provisions of this chapter shall contain a provision such that in the event that the insured employee leaves the group covered by such insurance because his employment is terminated due to a plant closing as defined in Title 24, section 471, Virgin Islands Code, the coverage originally provided by such plan for the insured employee, his spouse and dependents shall be continued for a period of 90 days thereafter, unless during such period, the insured employee shall otherwise be entitled to similar benefits. Such insured employee and such employer or policyholder shall be responsible for the payment of their respective shares of the premium due as provided in said group plan. The employer or policyholder shall notify the insured employee in writing of their eligibility to participate in such plan. The insured employee may elect to continue participation in such plan by giving written notice thereof to the employer or the policyholder. The insured employee whose employment has been terminated shall be responsible for the payment of whatever part of the premium, if any, normally paid by such insured employee as originally provided in such plan, throughout the 90 day period. If applicable, after timely receipt of the premium payment from the individual, if the employer or policyholder fails to make payment to the insurer with the result that the coverage is terminated, the employer or policyholder shall be liable for benefits to the same, to such extent as the insurer would have been liable if coverage had not been terminated. Timely receipt of payment shall mean the employer's or the policyholder's receipt of the premium or applicable portion thereof for extended coverage from such member within the dates or by the date indicated by the employer or policyholder at the time of election of extended coverage. Failure to give notice or to make applicable premium payments shall constitute a waiver of the option to have extended coverage. Notwithstanding the provisions of this section, any contractual agreement arrived at by a collective bargaining process that contains provisions requiring an employer to pay for the continuation of such insurance for employees whose employment is terminated by a plant closing shall supercede the requirements of this section when said contractual agreement provides for at least 90 days continuation of such insurance.
V.I. Code tit. 22, § 1001 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 41 - Industrial Life Insurance|§ 1001. Scope of chapter

 The provisions of this chapter apply only to industrial life insurance contracts.
V.I. Code tit. 22, § 1002 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 41 - Industrial Life Insurance|§ 1002. Industrial life insurance defined

 “Industrial” life insurance is any life insurance provided by an individual insurance contract issued in face amount of not more than $1,000, under which premiums are payable monthly or more often, and bearing the words “industrial policy” printed upon the policy as a part of the descriptive matter.
V.I. Code tit. 22, § 1003 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 41 - Industrial Life Insurance|§ 1003. Compliance enjoined

 No policy of industrial life insurance shall be delivered or be issued for delivery in this territory after Sept. 30, 1968, except in compliance with the provisions of this chapter and with other applicable provisions of this title.
V.I. Code tit. 22, § 1004 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 41 - Industrial Life Insurance|§ 1004. Standard provisions

 No such policy shall be so issued or delivered unless it contains in substance the provisions as required by this chapter, or provisions which in the opinion of the Commissioner are more favorable to the policyholder.
V.I. Code tit. 22, § 1005 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 41 - Industrial Life Insurance|§ 1005. Grace period

 There shall be a provision that the insured is entitled to a grace period of four weeks within which the payment of any premium after the first may be made, except that in policies the premiums for which are payable monthly, the period of grace shall be one month but not less than 30 days; and that during the period of grace the policy shall continue in full force, but if during the grace period the policy becomes a claim, then any overdue and unpaid premiums may be deducted from any settlement under the policy.
V.I. Code tit. 22, § 1006 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 41 - Industrial Life Insurance|§ 1006. Entire contract

 There shall be a provision that the policy shall constitute the entire contract between the parties, or, if a copy of the application is endorsed upon or attached to the policy when issued, a provision that the policy and the application therefor shall constitute the entire contract. If the application is so made a part of the contract the policy shall also provide that all statements made by the applicant in such application shall, in the absence of fraud, be deemed to be representations and not warranties.
V.I. Code tit. 22, § 1007 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 41 - Industrial Life Insurance|§ 1007. Incontestability

 There shall be a provision that the policy shall be incontestable after it has been in force during the lifetime of the insured for a period of two years from its date of issue except for nonpayment of premiums, and except, at the option of the insurer, as to supplemental provisions providing benefits for total and permanent disability or specifically for accidental death.
V.I. Code tit. 22, § 1008 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 41 - Industrial Life Insurance|§ 1008. Misstatement of age

 There shall be a provision that if it is found that the age of the individual insured, or the age of any other individual considered in determining the premium, has been misstated, any amount payable or benefit accruing under the policy shall be such as the premium would have purchased at the correct age or ages.
V.I. Code tit. 22, § 1009 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 41 - Industrial Life Insurance|§ 1009. Dividends

 If a participating policy, there shall be a provision that the insurer shall annually ascertain and apportion any divisible surplus accruing on the policy, and that dividends arising from such apportionment shall be credited annually beginning not later than the fifth contract year. This provision shall not prohibit the payment of additional dividends on default of payment of premiums or termination of the policy.
V.I. Code tit. 22, § 1010 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 41 - Industrial Life Insurance|§ 1010. Nonforfeiture benefits

 There shall be a provision for nonforfeiture benefits as required by section 984 of this title.
V.I. Code tit. 22, § 1011 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 41 - Industrial Life Insurance|§ 1011. Cash surrender value

 There shall be a provision for a cash surrender value as required by section 984 of this title.
V.I. Code tit. 22, § 1012 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 41 - Industrial Life Insurance|§ 1012. Reinstatement

 There shall be a provision that the policy may be reinstated at any time within two years from the due date of the premium in default unless the cash surrender value has been paid, or the extension period expired, upon the production of evidence of insurability satisfactory to the insurer and the payment of all overdue premiums and payment or reinstatement of any unpaid loans or advances made by the insurer against the policy with interest at a rate not exceeding 6 percent per annum and payable annually.