reglab/housing_qa huggingface dataset:
NJ Rev Stat § 17B:27-51.6 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:27-51.6 - Direct reimbursement to home health care providers

17B:27-51.6. 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. 99, s. 5.
NJ Rev Stat § 17B:27-51.7 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:27-51.7 - Regulations

17B:27-51.7. 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. 99, s. 6.
NJ Rev Stat § 17B:27-51.8 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:27-51.8 - Policy provision for reimbursement of dental services; payment regardless of discipline of provider

17B:27-51.8. Policy provision for reimbursement of dental services; payment regardless of discipline of provider  Notwithstanding any provision of a policy or contract of group health insurance 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 group health 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. 158, s. 1, eff. July 19, 1979.
NJ Rev Stat § 17B:27-51.9 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:27-51.9 - Application to policy or contract not limited to reimbursement of specific types of duly licensed health care professionals other than dentists

17B:27-51.9. 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 group 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. 158, s. 2, eff. July 19, 1979.
NJ Rev Stat § 17B:27-51.10 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:27-51.10 - Renewal date; policy with reservation of right to change premium

17B:27-51.10. 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. 158, s. 3, eff. July 19, 1979.
NJ Rev Stat § 17B:27-51.10a (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:27-51.10a - Alternative dental coverage; original coverage restricted to limited number of providers

17B:27-51.10a. 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 which contributes to a group 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 or their eligible dependents or members or 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. 145, s. 1, eff. April 20, 1983.
NJ Rev Stat § 17B:27-51.10b (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:27-51.10b - Employer contribution

17B:27-51.10b. Employer contribution  An employer or other organization shall be required to pay or contribute towards the provision of alternative coverage an amount equal to the premium or cost which it pays or contributes to the group health insurance contract for dental services which limits the number of providers of dental services. L.1983, c. 145, s. 2, eff. April 20, 1983.
NJ Rev Stat § 17B:27-51.10c (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:27-51.10c - Rules and regulations

17B:27-51.10c. 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. 145, s. 3, eff. April 20, 1983.
NJ Rev Stat § 17B:27-51.11 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:27-51.11 - Definitions

17B:27-51.11. Definitions  As used in this act: a. "Group policy" means a group health insurance policy issued by an insurer pursuant to Title 17B of the New Jersey Statutes. b. "Insurer" means the entity issuing a group policy or an individual policy or converted policy. c. "Insurance" , "Insures" and "Insured" refer to coverage under a group policy on a premium-paying basis. d. "Premium" includes any premium or other consideration payable for coverage under a group or individual policy. e. "Medicare" means Title XVIII of the United States Social Security Act as amended or superseded. f. "Total disability of the employee or member" exists only while the employee or member (1) is not engaged in any gainful occupation, and (2) is completely unable, due to sickness or injury or both, to engage in any and every gainful occupation for which the person is reasonably fitted by education, training or experience. L.1981, c. 422, s. 1.
NJ Rev Stat § 17B:27-51.13 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:27-51.13 - Inapplicability to policy without right of insurer to terminate without consent of insured

17B:27-51.13. Inapplicability to policy without right of insurer to terminate without consent of insured  The provisions of this act shall not apply to any policy in which the insurer does not have the right to terminate the policy without the consent of the insured. L.1981, c. 422, s. 3.
NJ Rev Stat § 17B:27-51.14 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:27-51.14 - Insurer provide health benefits plan, aggregate benefits.

17B:27-51.14 Insurer provide health benefits plan, aggregate benefits.  4. a. Beginning with the calendar year starting on January 1, 2020, and in each calendar year thereafter, an insurer providing a health benefits plan shall return, in the form of aggregate benefits for all large group health insurance policy forms offered by the insurer pursuant to N.J.S.17B:27-26 et seq., at least 85 percent of the aggregate premiums collected for all of the policy forms.  b. An insurer shall annually report to the Commissioner of Banking and Insurance, no later than August 1 of each year, the loss ratio calculated for all of the policy forms for the previous calendar year. In each case in which the loss ratio fails to substantially comply with the 85 percent loss ratio requirement, the insurer shall issue a dividend or credit against future premiums for all policyholders in an amount sufficient to assure that the aggregate benefits paid in the previous calendar year plus the amount of the dividends and credits shall equal 85 percent of the premiums collected. The insurer shall distribute all dividends and credits by December 31 of the year following the calendar year in which the loss ratio requirements were not satisfied. The insurer's annual report shall include the insurer's calculation of the dividends and credits applicable to all policy forms, as well as an explanation of the insurer's plan to issue dividends or credits.  c. The commissioner shall specify by regulation:  (1) any informational filings required to be submitted by insurers to the commissioner in order to determine whether insurers are in compliance with their loss ratio requirements;  (2) the instructions and format for calculating and reporting loss ratios and issuing dividends or credits;  (3) procedures for the distribution of a dividend or credit in the event of cancellation or termination by a policyholder; and (4) the instructions and format for submitting annual reports. L.2019, c.358, s.4.
NJ Rev Stat § 17B:27-52 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:27-52 - Group life and health--package policies

17B:27-52. Group life and health--package policies  Any insurer authorized to write in this State group life and group health insurance may provide such coverages in one policy or in separate policies, or in supplements or riders to such policy or policies, with or without health insurance benefits on account of families or dependents of the insured employees or members, if the provisions of any such policy, supplement or rider which treat of group life insurance, and the provisions which treat of group health insurance comply respectively with the requirements of the law of this State applicable to the respective forms of insurance. L.1971, c. 144, s. 17B:27-52.
NJ Rev Stat § 17B:27-53 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:27-53 - Group life and health--rate reductions and application of dividends; excess over employer's cost

17B:27-53. Group life and health--rate reductions and application of dividends; excess over employer's cost  If a policy dividend is hereafter declared or a reduction in rate is hereafter made or continued under any group insurance policy heretofore or hereafter issued to an employer, or to a labor union, or to the trustees of a fund established in whole or in part by an employer or a labor union, the excess, if any, of the aggregate dividends or rate reductions under such policy and all other group insurance policies of the policyholder over the aggregate expenditure for insurance under such policies made from funds contributed by the policyholder, or by an employer of insured persons, or by a union or association to which insured persons belong, including expenditures made in connection with administration of such policies, shall be applied by the policyholder for the sole benefit of insured employees or members. L.1971, c. 144, s. 17B:27-53.
NJ Rev Stat § 17B:27-60 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:27-60 - Written certification of creditable coverage under COBRA

17B:27-60. Written certification of creditable coverage under COBRA  20. a. A health insurer which offers a group health plan shall provide a written certification of creditable coverage at the time an individual ceases coverage or otherwise becomes covered under a COBRA continuation provision; at the time an individual ceases to be covered under a COBRA continuation provision; and upon request, on behalf of an individual not later than 24 months after the cessation of coverage under the plan or a COBRA continuation provision. b. The written certification of creditable coverage shall include the period of creditable coverage of the individual under the group health plan and the coverage under any COBRA continuation provision and any waiting or affiliation period imposed with respect to the individual for coverage under the plan. L.1997,c.146,s.20.
NJ Rev Stat § 17B:27-61 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:27-61 - Affiliation period imposed by HMO

17B:27-61. Affiliation period imposed by HMO  21. A health maintenance organization which offers a group health plan and which does not impose a preexisting condition exclusion, may impose an affiliation period if the period is applied uniformly without regard to any health status-related factors and the period does not exceed two months, or three months in the case of a late enrollee. L.1997,c.146,s.21.
NJ Rev Stat § 17B:27-62 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:27-62 - Permission to enroll for group coverage

17B:27-62. Permission to enroll for group coverage  22. A health insurer which offers a group health plan shall permit an employee or dependent who is eligible, but not enrolled, for coverage under the terms of the plan, to enroll for coverage if: a. the employee or dependent was covered under a group health plan or had health insurance coverage at the time coverage was previously offered to the employee or dependent, and the employee stated in writing at such time that coverage under a group health plan or health insurance coverage was the reason for declining enrollment, if the health insurer required such a statement at that time and notified the employee of the insurer s requirements; b. the employee s or dependent s other coverage described in subsection a. of this section was under a COBRA continuation provision and coverage under that provision was exhausted or the coverage was terminated due to loss of eligibility for coverage, including legal separation, divorce, death, termination of employment and reduction in hours of employment, or to the termination of employer contributions toward that coverage; and c. the employee requests enrollment not later than 30 days after exhaustion of coverage under a COBRA continuation provision or termination of coverage pursuant to subsection b. of this section. L.1997,c.146,s.22.
NJ Rev Stat § 17B:27-63 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:27-63 - Dependent special enrollment period

17B:27-63. Dependent special enrollment period  23. If a group health plan makes coverage available with respect to a dependent of an individual who is a participant under the plan or has satisfied any waiting period and is eligible to be enrolled, and the dependent becomes a dependent of the individual through marriage, birth, adoption or placement for adoption, the group health plan shall provide for a dependent special enrollment period during which the dependent and individual, if necessary, may be enrolled. The dependent special enrollment period shall be for a period of not less than 30 days and shall begin on the later of the date dependent coverage is made available or the date of marriage, birth, adoption or placement for adoption. If an individual enrolls a dependent during the first 30 days of the dependent special enrollment period, the coverage of the dependent shall become effective: in the case of a marriage, no later than the first day of the first month after the date the completed request for enrollment is received; in the case of a dependent s birth, as of the date of birth; and in the case of a dependent s adoption or placement for adoption, the date of the adoption or placement for adoption. L.1997,c.146,s.23.
NJ Rev Stat § 17B:27-64 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:27-64 - Rules for eligibility, health status-related factors prohibited

17B:27-64. Rules for eligibility, health status-related factors prohibited  24. A health insurer which offers a group health plan may not establish rules for eligibility, including continued eligibility, of any individual to enroll under the terms of the plan based on health status-related factors in relation to the individual or a dependent of the individual. The provisions of this section shall not be construed to require a group health plan to provide particular benefits other than those provided under the terms of its coverage or to prevent the coverage from establishing limitations or restrictions on the amount, level, extent or nature of the benefits or coverage for similarly situated individuals enrolled in the coverage. L.1997,c.146,s.24.
NJ Rev Stat § 17B:27-65 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:27-65 - Premiums, contributions regulated

17B:27-65. Premiums, contributions regulated  25. A health insurer which offers a group health plan may not require an individual, as a condition of enrollment or continued enrollment under the plan, to pay a premium or contribution which is greater than the premium or contribution for a similarly situated enrollee in the plan on the basis of any health status-related factor in relation to the individual or to an enrollee or a dependent of the individual or enrollee. This provision shall not be construed to restrict the amount that an employer may be charged for coverage under a group health plan or to prevent a health insurer offering group health insurance coverage from establishing premium discounts or modifying otherwise applicable copayments or deductibles in return for adherence to programs of health promotion and disease prevention. L.1997,c.146,s.25.
NJ Rev Stat § 17B:27-67 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:27-67 - Modification of coverage

17B:27-67. Modification of coverage  27. At the time of coverage renewal, a health insurer may modify the health insurance coverage for a product offered to a group health plan. L.1997,c.146,s.27.
NJ Rev Stat § 17B:27-69 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:27-69 - Conditions for issuance, delivery of group life insurance to groups not included in C.17B:27-68.

17B:27-69 Conditions for issuance, delivery of group life insurance to groups not included in C.17B:27-68.  2. a. Group life insurance offered to a resident of this State under a group life insurance policy issued to a group other than one described in section 1 of this act shall be subject to the requirements of this section. b. A group life insurance policy shall not be delivered or issued for delivery in this State unless the commissioner finds that: (1) The issuance of the group policy is not contrary to the best interest of the public; (2) The issuance of the group policy would result in economies of acquisition or administration; and (3) The benefits are reasonable in relation to the premiums charged. c. Group life insurance coverage may not be offered in this State by an insurer under a policy issued in another state unless this State or another state having requirements substantially similar to those included in paragraphs (1), (2) and (3) of subsection b. of this section has made a determination that those requirements have been met. d. The premium for the policy shall be remitted by the policyholder either from the policyholder's funds or from funds contributed by the covered persons, or from both. e. An insurer may exclude or limit the coverage on any person as to whom evidence of individual insurability is not satisfactory to the insurer. L.2005,c.190,s.2.
NJ Rev Stat § 17B:27-70 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:27-70 - Written notice to prospective insureds of noncompliance with C.17B:27-68; definitions.

17B:27-70 Written notice to prospective insureds of noncompliance with C.17B:27-68; definitions.  3. a. With respect to a program of insurance which, if issued on a group basis, does not meet the requirements of section 1 of this act, the insurer shall cause to be distributed to prospective insureds a written notice that compensation shall or may be paid, if compensation of any kind shall or may be paid to: (1) A policyholder or sponsoring or endorsing entity in the case of a group policy; or (2) A sponsoring or endorsing entity in the case of individual, blanket or franchise policies marketed by means of direct response solicitation. b. The notice shall be distributed: (1) Whether compensation is direct or indirect; and (2) Whether the compensation is paid to or retained by the policyholder or sponsoring or endorsing entity, or paid to or retained by a third party at the direction of the policyholder or sponsoring or endorsing entity, or an entity affiliated therewith by way of ownership, contract or employment. c. The notice required by this section shall be placed on or accompany an application or enrollment form provided to prospective insureds. d. For the purposes of this section: (1) "Direct response solicitation" means a solicitation through a sponsoring or endorsing entity through the mails, telephone or other mass communications media; and  (2) "Sponsoring or endorsing entity" means an organization that has arranged for the offering of a program of insurance in a manner that communicates that eligibility for participation in the program is dependent upon affiliation with the organization or that it encourages participation in the program. L.2005,c.190,s.3.
NJ Rev Stat § 17B:27-71 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:27-71 - Extension to dependents of group life insurance policy.

17B:27-71 Extension to dependents of group life insurance policy.  4. Except for a policy issued under subsection b. of section 1 of this act, a group life insurance policy may be extended to insure the employees or members against loss due to the death of their spouses, domestic partners and dependent children, and any other persons dependent upon the insured employees or members, or any class thereof, subject to the following: a. The premium for the insurance shall be remitted by the policyholder either from funds contributed by the employer, union, association or other person to whom the policy has been issued, or from funds contributed by the covered persons, or from both. Except as provided in subsection b. of section 1 of this act, a policy on which no part of the premium for the spouse's, domestic partner's, dependent child's and other dependent's coverage is to be derived from funds contributed by the covered persons shall insure all eligible employees or members with respect to their spouses, domestic partners, dependent children and other dependents, or any class thereof. b. An insurer may exclude or limit the coverage on any spouse, domestic partner, dependent child or any other person dependent upon the insured employee or member as to whom evidence of individual insurability is not satisfactory to the insurer. c. The amounts of insurance for any covered spouse, domestic partner, dependent child or any other person dependent upon the insured employee or member under the policy may not exceed 100% of the amount of insurance for which the employee or member is insured. L.2005,c.190,s.4.
NJ Rev Stat § 17B:27-73 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:27-73 - Issuance, delivery of individual policy of life insurance.

17B:27-73 Issuance, delivery of individual policy of life insurance.  6. If an individual insured under a group insurance policy hereafter delivered or issued for delivery in this State becomes entitled under the terms of the policy to have an individual policy of life insurance issued without evidence of insurability, subject to making application and payment of the first premium within the period specified in the policy, and if the individual is not given notice of the existence of the right at least 15 days prior to the expiration date of the period, then the individual shall have an additional period within which to exercise the right, but nothing herein contained shall be construed to continue any insurance beyond the period provided in the policy. This additional period shall expire 15 days after the individual is given notice but in no event shall the additional period extend beyond 60 days after the expiration date of the period provided in the policy. Written notice presented to the individual or mailed by the policyholder to the last known address of the individual or mailed by the insurer to the last known address of the individual as furnished by the policyholder shall constitute notice for the purpose of this section. L.2005,c.190,s.6.