reglab/housing_qa huggingface dataset:
IN Code § 27-2-23-4 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 23. Unclaimed Life Insurance Benefits|27-2-23-4. "Annuity"

Sec. 4. (a) As used in this chapter, "annuity" refers to an annuity contract issued in Indiana after June 30, 2015.(b) The term does not include an annuity contract used to fund an employment based retirement plan, the sponsor or administrator of which directs the insurer that issues the annuity contract.As added by P.L.90-2014, SEC.1. Amended by P.L.166-2015, SEC.2.
IN Code § 27-2-23-5 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 23. Unclaimed Life Insurance Benefits|27-2-23-5. "Death Master File"

Sec. 5. As used in this chapter, "death master file" refers to:(1) the federal Social Security Administration's Death Master File; or(2) another data source that, for the purpose of determining that a person is reported to have died, is at least as comprehensive as the federal Social Security Administration's Death Master File.As added by P.L.90-2014, SEC.1.
IN Code § 27-2-23-6 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 23. Unclaimed Life Insurance Benefits|27-2-23-6. "Death Master File Match"

Sec. 6. As used in this chapter, "death master file match" means the result of a search of a death master file that indicates a match of a person's name with the person's:(1) Social Security number; or(2) date of birth.As added by P.L.90-2014, SEC.1.
IN Code § 27-2-23-7 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 23. Unclaimed Life Insurance Benefits|27-2-23-7. "Knowledge of Death"

Sec. 7. As used in this chapter, "knowledge of death" means one (1) of the following:(1) Receipt of a certified original or copy of a death certificate of a person.(2) A death master file match that an insurer has validated with a secondary source.As added by P.L.90-2014, SEC.1.
IN Code § 27-2-23-8 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 23. Unclaimed Life Insurance Benefits|27-2-23-8. "Person"

Sec. 8. As used in this chapter, "person" refers to an insured, annuity owner, annuitant, or a retained asset account owner.As added by P.L.90-2014, SEC.1.
IN Code § 27-2-23-9 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 23. Unclaimed Life Insurance Benefits|27-2-23-9. "Policy"

Sec. 9. (a) As used in this chapter, "policy" means a policy or certificate issued in Indiana after June 30, 2015, that provides the kind of insurance described in Class 1 of IC 27-1-5-1.(b) The term does not include the following:(1) A policy or certificate that provides a death benefit under:(A) an employee benefit plan that is subject to the federal Employee Retirement Income Security Act of 1974 (29 U.S.C. 1001 et seq.); or(B) a federal employee benefit program.(2) A policy or certificate that is used to fund a preneed funeral contract or prearrangement.(3) A policy or certificate of credit life or accidental death insurance.(4) A policy issued to a group policy owner for which the insurer does not provide record keeping services.As added by P.L.90-2014, SEC.1. Amended by P.L.166-2015, SEC.3.
IN Code § 27-2-23-10 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 23. Unclaimed Life Insurance Benefits|27-2-23-10. "Record Keeping Services"

Sec. 10. As used in this chapter, "record keeping services" means an insurer's responsibility, under an agreement with a group policy owner, to obtain, maintain, and administer in the insurer's system information concerning each individual insured under a group policy (or a line of coverage under a group policy), including at least the following:(1) The individual's Social Security number and date of birth or name and date of birth.(2) The individual's beneficiary designation information.(3) The individual's eligibility for coverage.(4) The individual's benefit amount.(5) The individual's premium payment status.As added by P.L.90-2014, SEC.1.
IN Code § 27-2-23-10.2 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 23. Unclaimed Life Insurance Benefits|27-2-23-10.2. "Retained Asset Account"

Sec. 10.2. As used in this chapter, "retained asset account" refers to a retained asset account that is issued in Indiana after June 30, 2015.As added by P.L.166-2015, SEC.4.
IN Code § 27-2-23-11 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 23. Unclaimed Life Insurance Benefits|27-2-23-11. Performance of Death Master File Comparison; Frequency; Death Certificate

Sec. 11. (a) An insurer shall, at least every six (6) months, perform a comparison of in-force policies, annuities, and retained asset accounts issued by the insurer in Indiana against a death master file to identify potential death master file matches.(b) An insurer that performs a comparison under subsection (a) using:(1) a complete death master file one (1) time per year; and(2) only the update files of the death master file used under subdivision (1) for additional comparisons during the twelve (12) months after the comparison under subdivision (1);is considered to be compliant with subsection (a).(c) This section does not prevent an insurer from requesting a certified original or copy of a death certificate as a part of a claim validation process.As added by P.L.90-2014, SEC.1.
IN Code § 27-2-23-12 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 23. Unclaimed Life Insurance Benefits|27-2-23-12. Insurer Duty Related to Possible Death

Sec. 12. An insurer shall, not later than ninety (90) days after learning of the possible death of a person through a comparison performed under section 11 of this chapter, do the following:(1) Complete and document a good faith effort to confirm the death of the person against other available records and information.(2) Review the insurer's records to determine whether the person had purchased any other products from the insurer.(3) Determine whether benefits may be due under a policy, annuity, or retained asset account.(4) If the beneficiary or authorized representative under a policy, annuity, or retained asset account has not communicated with the insurer before the expiration of the ninety (90) day period, complete and document a good faith effort to locate and contact the beneficiary or authorized representative, including sending to the beneficiary or authorized representative information concerning the:(A) insurer's claim process; and(B) need to provide a certified original or copy of the death certificate, if applicable under the policy, annuity, or retained asset account.As added by P.L.90-2014, SEC.1.
IN Code § 27-2-23-14 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 23. Unclaimed Life Insurance Benefits|27-2-23-14. Disclosure of Personal Information

Sec. 14. An insurer may, to the extent permitted by law, disclose the minimum necessary personal information about a person or a beneficiary to an individual or entity reasonably believed by the insurer to possess the ability to assist the insurer in locating the beneficiary or another individual or entity that is entitled to payment of the claim proceeds.As added by P.L.90-2014, SEC.1.
IN Code § 27-2-23-15 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 23. Unclaimed Life Insurance Benefits|27-2-23-15. Charges Related to Search

Sec. 15. An insurer, and an entity providing services to an insurer, shall not charge a beneficiary or authorized representative a fee or cost associated with:(1) a death master file search; or(2) verification of a death master file match;conducted under this chapter.As added by P.L.90-2014, SEC.1.
IN Code § 27-2-23-16 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 23. Unclaimed Life Insurance Benefits|27-2-23-16. Order of Payment; Unclaimed Property

Sec. 16. (a) The benefit of a policy, annuity, or retained asset account, plus accrued interest applicable under the policy, annuity, or retained asset account, is first payable to designated beneficiaries or policy owners, annuity owners, or account owners.(b) If beneficiaries or policy owners, annuity owners, or account owners cannot be found, the benefit of the policy, annuity, or retained asset account (not including applicable accrued interest) escheats to the state as unclaimed property under IC 32-34-1.5.As added by P.L.90-2014, SEC.1. Amended by P.L.141-2021, SEC.13.
IN Code § 27-2-23-17 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 23. Unclaimed Life Insurance Benefits|27-2-23-17. Commissioner Accommodations for Insurer Compliance

Sec. 17. The commissioner may do the following:(1) Either:(A) limit an insurer's death master file comparisons required by section 11 of this chapter to the insurer's electronic searchable files; or(B) approve a plan and time period for conversion of an insurer's files to electronic searchable files.(2) Either:(A) exempt an insurer from the death master file comparisons required by section 11 of this chapter; or(B) upon demonstration of hardship by the insurer, permit an insurer to perform the death master file comparisons less frequently than required by section 11 of this chapter.(3) Allow an insurer to begin compliance with this chapter according to a plan and time period approved by the commissioner.As added by P.L.90-2014, SEC.1.
IN Code § 27-2-23-18 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 23. Unclaimed Life Insurance Benefits|27-2-23-18. Insurer Actions With Respect to Proceeds; Unclaimed Property; Liability

Sec. 18. (a) With respect to a policy, an annuity, or a retained asset account for which an insurer has knowledge of death:(1) if:(A) within one (1) year after the insurer has obtained the knowledge of death, the insurer:(i) conducts reasonable search efforts; and(ii) is unable to locate in Indiana a beneficiary under the policy, annuity, or retained asset account; or(B) no beneficiary was named and the person, for purposes of IC 32-34-1.5, had a last known address in Indiana; and(2) the insurer has, without success, attempted to make the contacts required by and in accordance with IC 32-34-1.5;the insurer may, without further notice to or consent by the state, report and remit the proceeds of the policy, annuity, or retained asset account to the state on an early reporting basis in accordance with IC 32-34-1.5.(b) After a report and remittance of proceeds described in subsection (a), the insurer is relieved and indemnified from any additional liability in relation to the proceeds, in accordance with IC 32-34-1.5.As added by P.L.90-2014, SEC.1. Amended by P.L.141-2021, SEC.14.
IN Code § 27-2-23-19 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 23. Unclaimed Life Insurance Benefits|27-2-23-19. Violation

Sec. 19. An insurer's failure to comply with this chapter is an unfair or deceptive act or practice in the business of insurance under IC 27-4-1-4.As added by P.L.90-2014, SEC.1.
IN Code § 27-2-23-20 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 23. Unclaimed Life Insurance Benefits|27-2-23-20. Rulemaking

Sec. 20. The department may adopt rules under IC 4-22-2 to implement this chapter.As added by P.L.90-2014, SEC.1.
IN Code § 27-2-23-21 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 23. Unclaimed Life Insurance Benefits|27-2-23-21. Attorney General Examinations

Sec. 21. This chapter does not prevent the attorney general from conducting an examination of the records of an insurance company under IC 32-34-1.5-53.As added by P.L.166-2015, SEC.6. Amended by P.L.141-2021, SEC.15.
IN Code § 27-2-24-1 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 24. Coverage With Innocent Coinsured|27-2-24-1. Application of Chapter

Sec. 1. This chapter applies to a policy of property or casualty insurance that is entered into, amended, or renewed after June 30, 2017.As added by P.L.148-2017, SEC.8.
IN Code § 27-2-24-2 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 24. Coverage With Innocent Coinsured|27-2-24-2. "Authorized Agency"

Sec. 2. As used in this chapter, "authorized agency" means the following:(1) The state fire marshal or a fire department acting under IC 36-8-17.(2) The superintendent of the state police.(3) The prosecuting attorney responsible for prosecutions in the county where damage to property occurs.(4) The attorney general.(5) An officer of a unit of local government whose duties include the investigation of arson where damage to property occurs.As added by P.L.148-2017, SEC.8.
IN Code § 27-2-24-3 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 24. Coverage With Innocent Coinsured|27-2-24-3. "Available Insurance Proceeds"

Sec. 3. As used in this chapter, "available insurance proceeds" means:(1) the proceeds payable under a policy of property or casualty insurance:(A) to an innocent coinsured; and(B) based on a claim for property loss to the innocent coinsured's primary residence; minus(2) proceeds already paid under the policy of property or casualty insurance to:(A) the innocent coinsured for:(i) emergency living expenses;(ii) emergency action necessary to secure the premises of the primary residence; and(iii) action necessary to prevent further damage to the premises of the primary residence; and(B) a lienholder or mortgagee who is not under investigation by an authorized agency;in connection with the property loss described in subdivision (1).As added by P.L.148-2017, SEC.8.
IN Code § 27-2-24-4 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 24. Coverage With Innocent Coinsured|27-2-24-4. "Final Settlement"

Sec. 4. (a) As used in this chapter, "final settlement" means a determination:(1) of the amount owed to an innocent coinsured by an insurer:(A) under the building coverage part of a policy of property or casualty insurance; and(B) for property loss to the innocent coinsured's primary residence; and(2) made by any of the following methods:(A) Acceptance of a proof of loss by the insurer.(B) Execution of a release by the innocent coinsured.(C) Acceptance of an arbitration award by the innocent coinsured and the insurer.(D) Judgment of a court of competent jurisdiction.(b) The term "final settlement" does not apply to damage or loss related to contents, personal property, or another loss that is not covered under the building coverage part of a policy of property or casualty insurance.As added by P.L.148-2017, SEC.8.
IN Code § 27-2-24-5 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 24. Coverage With Innocent Coinsured|27-2-24-5. "Innocent Coinsured"

Sec. 5. As used in this chapter, "innocent coinsured" means an individual who:(1) is insured under a policy of property or casualty insurance;(2) did not have knowledge of, cooperate in, or intentionally contribute to a property loss that was caused or arranged by another individual who:(A) is also insured under the policy of property or casualty insurance; and(B) either:(i) died; or(ii) has been charged with a crime based on a court finding that there is probable cause to believe that the individual committed the crime;in connection with the circumstances that caused the property loss;(3) signs a sworn affidavit attesting that the individual did not have knowledge of, cooperate in, or intentionally contribute to the property loss; and(4) cooperates in:(A) the investigation and resolution of the claim for the property loss;(B) any police investigation related to the property loss; and(C) any criminal prosecution of the individual that caused or arranged the property loss.As added by P.L.148-2017, SEC.8.
IN Code § 27-2-24-6 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 24. Coverage With Innocent Coinsured|27-2-24-6. "Insurer"

Sec. 6. As used in this chapter, "insurer" means an insurance company that issues or delivers a policy of property or casualty insurance.As added by P.L.148-2017, SEC.8.
IN Code § 27-2-24-7 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 24. Coverage With Innocent Coinsured|27-2-24-7. "Property or Casualty Insurance"

Sec. 7. As used in this chapter, "property or casualty insurance" means a type of insurance described in Class 2 and Class 3 of IC 27-1-5-1. However, the term does not mean insurance described in Class 2(a) of IC 27-1-5-1.As added by P.L.148-2017, SEC.8.
IN Code § 27-2-24-8 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 24. Coverage With Innocent Coinsured|27-2-24-8. Payment of Claim Made by Innocent Coinsured

Sec. 8. (a) An insurer may not deny, exclude, or limit payment of a claim made:(1) by an innocent coinsured;(2) for coverage of a property loss to the primary residence of the innocent coinsured; and(3) under a policy of property or casualty insurance;unless the denial, exclusion, or limitation of payment is otherwise allowed by law and applied to the innocent coinsured in the same manner and to the same extent as the denial, exclusion, or limitation of payment is applied by the insurer to all other insureds, regardless of whether an insured is an innocent coinsured.(b) An insurer shall pay the following on a claim described in subsection (a):(1) The actual cost of repair or replacement of the property that is the subject of the claim if the actual cost of repair or replacement is less than or equal to the maximum limit of coverage under the policy of property or casualty insurance.(2) The maximum limit of coverage under the policy of property or casualty insurance if the actual cost of repair or replacement of the property that is the subject of the claim is greater than the maximum limit of coverage under the policy of property or casualty insurance.(c) This section does not require an insurer to make payment on a claim described in subsection (a) in an amount that is greater than the amount applicable to the part of the damaged property to which the innocent coinsured is entitled under a decree of dissolution of marriage between the innocent coinsured and the individual described in section 5(2) of this chapter.(d) This section does not require an insurer to do the following:(1) Make payment to an innocent coinsured on a claim described in subsection (a) in an amount that exceeds:(A) the innocent coinsured's ownership interest in the property; minus(B) any payment by the insurer to a mortgagee or another lienholder with a secured interest in the property.(2) Make payment to another coinsured for the part of a loss for which the insurer has already made payment to the innocent coinsured.As added by P.L.148-2017, SEC.8.
IN Code § 27-2-24-9 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 24. Coverage With Innocent Coinsured|27-2-24-9. Insurer Actions Solely on Basis of Innocent Coinsured History Prohibited

Sec. 9. An insurer may not:(1) refuse to renew;(2) refuse to issue; or(3) add a surcharge or rating factor to a premium for;a policy of property or casualty insurance solely on the basis that an insured or a prospective insured under the policy of property or casualty insurance has been an innocent coinsured.As added by P.L.148-2017, SEC.8.
IN Code § 27-2-24-10 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 24. Coverage With Innocent Coinsured|27-2-24-10. Payment Not Required if Final Settlement Less Than 60% of Available Proceeds

Sec. 10. This chapter does not require an insurer that issued a policy of property or casualty insurance to pay a claim to an innocent coinsured if the final settlement for the property loss is less than sixty percent (60%) of available insurance proceeds under the policy.As added by P.L.148-2017, SEC.8.
IN Code § 27-2-24-11 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 24. Coverage With Innocent Coinsured|27-2-24-11. Insurer Rebuttal of Status of Innocent Coinsured

Sec. 11. This chapter does not prohibit an insurer from application of reasonable standards of proof to rebut an assertion that an individual meets the requirements to be considered an innocent coinsured under section 5 of this chapter.As added by P.L.148-2017, SEC.8.
IN Code § 27-2-24-12 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 24. Coverage With Innocent Coinsured|27-2-24-12. Subrogation Rights of Insurer

Sec. 12. This chapter does not affect an insurer's right of subrogation under a policy of property or casualty insurance to recover payments made from the person that is responsible for the property loss.As added by P.L.148-2017, SEC.8.
IN Code § 27-2-25-0.5 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 25. Health Carrier Good Faith Estimates|27-2-25-0.5. Provision of Information by Health Benefit Plans

Sec. 0.5. Nothing in this chapter prohibits:(1) a self-funded health benefit plan that complies with the federal Employee Retirement Income Security Act (ERISA) of 1974 (29 U.S.C. 1001 et seq.); or(2) a:(A) self-insurance program established to provide group health coverage as described in IC 5-10-8-7(b); or(B) contract for health services, as described in IC 5-10-8-7(c);from providing information requested by a practitioner or provider facility under this chapter.As added by P.L.93-2020, SEC.13.
IN Code § 27-2-25-1 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 25. Health Carrier Good Faith Estimates|27-2-25-1. "Coverage"

Sec. 1. As used in this chapter, "coverage" means the right of an individual to receive:(1) health care services; or(2) payment or reimbursement for health care services;from a health carrier.As added by P.L.93-2020, SEC.13.
IN Code § 27-2-25-2 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 25. Health Carrier Good Faith Estimates|27-2-25-2. "Covered Individual"

Sec. 2. As used in this chapter, "covered individual" means an individual who is entitled to coverage from a health carrier.As added by P.L.93-2020, SEC.13.
IN Code § 27-2-25-2.5 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 25. Health Carrier Good Faith Estimates|27-2-25-2.5. "Episode of Care"

Sec. 2.5. As used in this chapter, "episode of care" means the medical care ordered to be provided for a specific medical procedure, condition, or illness.As added by P.L.93-2020, SEC.13.
IN Code § 27-2-25-3 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 25. Health Carrier Good Faith Estimates|27-2-25-3. "Good Faith Estimate"

Sec. 3. As used in this chapter, "good faith estimate" means a health carrier's reasonable estimate of:(1) the amount of the cost of a nonemergency health care service that the health carrier will:(A) pay for; or(B) reimburse to;a covered individual; or(2) the applicable benefit limitations of the nonemergency health care service a covered individual is entitled to receive;that a health carrier provides upon request to a covered individual for whom a nonemergency health care service has been ordered.As added by P.L.93-2020, SEC.13.