reglab/housing_qa huggingface dataset:
AL Code § 27-19-20 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 19 - Disability Insurance Policies.|Article 1 - General Provisions.|Section 27-19-20 - Optional Policy Provisions - Insurance With Other Insurers - Expense-Incurred Benefits.

Section 27-19-20Optional policy provisions - Insurance with other insurers - Expense-incurred benefits. (a) There may be a provision as follows: "Insurance with Other Insurers: If there be other valid coverage, not with this insurer, providing benefits for the same loss on a provision of service basis or on an expense-incurred basis and of which this insurer has not been given written notice prior to the occurrence or commencement of loss, the only liability under any expense-incurred coverage of this policy shall be for such proportion of the loss as the amount which would otherwise have been payable hereunder plus the total of the like amounts under all such other valid coverages for the same loss of which this insurer had notice bears to the total like amounts under all valid coverages for such loss, and for the return of such portion of the premiums paid as shall exceed the pro rata portion for the amount so determined. For the purpose of applying this provision when other coverage is on a provision of service basis, the 'like amount' of such other coverage shall be taken as the amount which the services rendered would have cost in the absence of such coverage." (b) If the foregoing policy provision is included in a policy which also contains the policy provision set out in Section 27-19-21 there shall be added to the caption of the foregoing provision the phrase "-Expense-Incurred Benefits." The insurer may, at its option, include in this provision a definition of "other valid coverage," approved as to form by the commissioner, which definition shall be limited in subject matter to coverage provided by organizations subject to regulation by insurance law or by insurance authorities of this, or any other, state of the United States or any province of Canada, and by hospital or medical service organizations and to any other coverage the inclusion of which may be approved by the commissioner. In the absence of such definition, such term shall not include group insurance, automobile medical payments insurance or coverage provided by hospital, or medical service organizations, or by union welfare plans or employer or employee benefit organizations. For the purpose of applying the foregoing policy provision with respect to any insured, any amount of benefit provided for such insured pursuant to any compulsory benefit statute, including any workmen's compensation or employer's liability statute, whether provided by a governmental agency or otherwise, shall, in all cases, be deemed to be "other valid coverage" of which the insurer has had notice. In applying the foregoing policy provision, no third party liability coverage shall be included as "other valid coverage." (Acts 1953, No. 193, p. 247, §3; Acts 1957, No. 597, p. 834; Acts 1971, No. 407, p. 707, §441.)
AL Code § 27-19-21 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 19 - Disability Insurance Policies.|Article 1 - General Provisions.|Section 27-19-21 - Optional Policy Provisions - Insurance With Other Insurers - Other Benefits.

Section 27-19-21Optional policy provisions - Insurance with other insurers - Other benefits. (a) There may be a provision as follows: "Insurance with Other Insurers: If there be other valid coverage, not with this insurer, providing benefits for the same loss on other than an expense-incurred basis and of which this insurer has not been given written notice prior to the occurrence or commencement of loss, the only liability for such benefits under this policy shall be for such proportion of the indemnities otherwise provided hereunder for such loss as the like indemnities of which the insurer had notice (including the indemnities under this policy) bear to the total amount of all like indemnities for such loss and for the return of such portion of the premium paid as shall exceed the pro rata portion for the indemnities thus determined." (b) If the foregoing policy provision is included in a policy which also contains the policy provision set out in Section 27-19-20, there shall be added to the caption of the foregoing provision the phrase "- Other Benefits." The insurer may, at its option, include in this provision a definition of "other valid coverage," approved as to form by the commissioner, which definition shall be limited in subject matter to coverage provided by organizations subject to regulation by insurance law or by insurance authorities of this, or any other, state of the United States or any province of Canada and to any other coverage the inclusion of which may be approved by the commissioner. In the absence of such definition, such term shall not include group insurance or benefits provided by union welfare plans, or by employer or employee benefit organizations. For the purpose of applying the foregoing policy provision with respect to any insured, any amount of benefit provided for such insured pursuant to any compulsory benefit statute, including any workmen's compensation or employer's liability statute, whether provided by a governmental agency or otherwise, shall, in all cases, be deemed to be "other valid coverage" of which the insurer has had notice. In applying the foregoing policy provision, no third party liability coverage shall be included as "other valid coverage." (Acts 1953, No. 193, p. 247, §3; Acts 1957, No. 597, p. 834; Acts 1971, No. 407, p. 707, §442.)
AL Code § 27-19-22 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 19 - Disability Insurance Policies.|Article 1 - General Provisions.|Section 27-19-22 - Optional Policy Provisions - Relation of Earnings to Insurance.

Section 27-19-22Optional policy provisions - Relation of earnings to insurance. (a) There may be a provision as follows: "Relation of Earnings to Insurance: If the total monthly amount of loss of time benefits promised for the same loss under all valid loss of time coverage upon the insured, whether payable on a weekly or monthly basis, shall exceed the monthly earnings of the insured at the time disability commenced or his average monthly earnings for the period of two years immediately preceding a disability for which claim is made, whichever is the greater, the insurer will be liable only for such proportionate amount of such benefits under this policy as the amount of such monthly earnings or such average monthly earnings of the insured bears to the total amount of monthly benefits for the same loss under all such coverage upon the insured at the time such disability commences and for the return of such part of the premiums paid during such two years as shall exceed the pro rata amount of the premiums for the benefits actually paid hereunder; but this shall not operate to reduce the total monthly amount of benefits payable under all such coverage upon the insured below the sum of $200.00 or the sum of the monthly benefits specified in such coverages, whichever is the lesser, nor shall it operate to reduce benefits other than those payable for loss of time." (b) The foregoing policy provision may be inserted only in a policy which the insured has the right to continue in force subject to its terms by the timely payment of premiums: (1) Until at least age 50; or (2) In the case of a policy issued after age 44, for at least five years from its date of issue. The insurer may, at its option, include in this provision a definition of "valid loss of time coverage," approved as to form by the commissioner, which definition shall be limited in subject matter to coverage provided by governmental agencies or by organizations subject to regulation by insurance law or by insurance authorities of this, or any other, state of the United States or any province of Canada, or to any other coverage the inclusion of which may be approved by the commissioner or any combination of such coverages. In the absence of such definition, such term shall not include any coverage provided for such insured pursuant to any compulsory benefit statute including any workmen's compensation or employer's liability statute, or benefits provided by union welfare plans or by employer or employee benefit organizations. (Acts 1953, No. 193, p. 247, §3; Acts 1957, No. 597, p. 834; Acts 1971, No. 407, p. 707, §443.)
AL Code § 27-19-23 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 19 - Disability Insurance Policies.|Article 1 - General Provisions.|Section 27-19-23 - Optional Policy Provisions - Unpaid Premiums.

Section 27-19-23Optional policy provisions - Unpaid premiums. There may be a provision as follows: "Unpaid Premiums: Upon the payment of a claim under this policy, any premium then due and unpaid or covered by any note or written order may be deducted therefrom." (Acts 1953, No. 193, p. 247, §3; Acts 1957, No. 597, p. 834; Acts 1971, No. 407, p. 707, §444.)
AL Code § 27-19-24 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 19 - Disability Insurance Policies.|Article 1 - General Provisions.|Section 27-19-24 - Optional Policy Provisions - Conformity With State Statutes.

Section 27-19-24Optional policy provisions - Conformity with state statutes. There may be a provision as follows: "Conformity with State Statutes: Any provision of this policy which, on its effective date, is in conflict with the statutes of the state in which the insured resides on such date is hereby amended to conform to the minimum requirements of such statutes." (Acts 1953, No. 193, p. 247, §3; Acts 1957, No. 597, p. 834; Acts 1971, No. 407, p. 707, §445.)
AL Code § 27-19-25 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 19 - Disability Insurance Policies.|Article 1 - General Provisions.|Section 27-19-25 - Optional Policy Provisions - Illegal Occupation.

Section 27-19-25Optional policy provisions - Illegal occupation. There may be a provision as follows: "Illegal Occupation: The insurer shall not be liable for any loss to which a contributing cause was the insured's commission of, or attempt to commit, a felony or to which a contributing cause was the insured's being engaged in an illegal occupation." (Acts 1953, No. 193, p. 247, §3; Acts 1957, No. 597, p. 834; Acts 1971, No. 407, p. 707, §446.)
AL Code § 27-19-26 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 19 - Disability Insurance Policies.|Article 1 - General Provisions.|Section 27-19-26 - Optional Policy Provisions - Intoxicants and Narcotics.

Section 27-19-26Optional policy provisions - Intoxicants and narcotics. There may be a provision as follows: "Intoxicants and Narcotics: The insurer shall not be liable for any loss sustained or contracted in consequence of the insured's being intoxicated or under the influence of any narcotic unless administered on the advice of a physician." (Acts 1953, No. 193, p. 247, §3; Acts 1957, No. 597, p. 834; Acts 1971, No. 407, p. 707, §447.)
AL Code § 27-19-27 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 19 - Disability Insurance Policies.|Article 1 - General Provisions.|Section 27-19-27 - Order of Provisions in Policy.

Section 27-19-27Order of provisions in policy. The provisions which are the subject of Sections 27-19-4 through 27-19-26, or any corresponding provisions which are used in lieu thereof in accordance with such sections, shall be printed in the consecutive order of the provisions in such sections or, at the option of the insurer, any such provision may appear as a unit in any part of the policy with other provisions to which it may be logically related, provided that the resulting policy shall not be, in whole or in part, unintelligible, uncertain, ambiguous, abstruse, or likely to mislead a person to whom the policy is offered, delivered, or issued. (Acts 1953, No. 193, p. 247, §3; Acts 1957, No. 597, p. 834; Acts 1971, No. 407, p. 707, §448.)
AL Code § 27-19-28 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 19 - Disability Insurance Policies.|Article 1 - General Provisions.|Section 27-19-28 - Exclusion of Hospitalization Benefits for Mental Patients in Tax-Supported Institutions.

Section 27-19-28Exclusion of hospitalization benefits for mental patients in tax-supported institutions. (a) No policy of health, sickness, or accident insurance delivered, or issued for delivery, in this state, including both individual and group policies, which provide coverage for psychiatric treatment or mental illness shall exclude hospitalization benefits for mental patients in tax-supported institutions of the State of Alabama, or any county or municipality thereof. (b) The provisions of this section shall not apply to any policy of insurance in effect prior to September 20, 1971, nor shall the provisions of this section apply to any employee benefit plan providing hospital benefits for mental patients where such employee benefit plan is established by the employer and contributions to the plan are provided by the employer and the employee, or either of them, and such plan is not evidenced by individual, or group or blanket policies of health, sickness, or accident insurance issued by an insurance company. (Acts 1971, No. 1871, p. 3052.)
AL Code § 27-19-29 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 19 - Disability Insurance Policies.|Article 1 - General Provisions.|Section 27-19-29 - Ownership in Person Other Than Insured.

Section 27-19-29Ownership in person other than insured. The word "insured," as used in this article, shall not be construed as preventing a person other than the insured with a proper insurable interest from making application for and owning a policy covering the insured or from being entitled under such a policy to any indemnities, benefits, and rights provided therein. (Acts 1953, No. 193, p. 247, §3; Acts 1957, No. 597, p. 834; Acts 1971, No. 407, p. 707, §449.)
AL Code § 27-19-30 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 19 - Disability Insurance Policies.|Article 1 - General Provisions.|Section 27-19-30 - Provisions of Other Jurisdictions.

Section 27-19-30Provisions of other jurisdictions. (a) Any policy of a foreign or alien insurer, when delivered or issued for delivery to any person in this state, may contain any provision which is not less favorable to the insured or the beneficiary than the provisions of this article and which is prescribed or required by the law of the state or country under which the insurer is organized. (b) Any policy of a domestic insurer may, when issued for delivery in any other state or country, contain any provision permitted or required by the laws of such other state or country. (Acts 1953, No. 193, p. 247, §3; Acts 1957, No. 597, p. 834; Acts 1971, No. 407, p. 707, §450.)
AL Code § 27-19-31 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 19 - Disability Insurance Policies.|Article 1 - General Provisions.|Section 27-19-31 - Renewability.

Section 27-19-31Renewability. (a) Every individual policy of insurance providing hospital, medical, or surgical benefits in which an insurer reserves the right to refuse renewal on an individual basis shall provide, in substance, in a provision thereof, or in an endorsement thereon or in a rider attached thereto that, subject to the right to terminate the policy upon nonpayment of premium when due, such right to refuse renewal shall not be exercised before the renewal date occurring on, or after and nearest, each policy anniversary or, in the case of lapse and reinstatement, before the renewal date occurring on, or after and nearest, each anniversary of the last reinstatement and that any refusal of renewal shall be without prejudice to any claim originating while the policy is in force. Subject to the right to terminate for nonpayment of premium, the right to refuse renewal by an insurer shall only be exercised after having given the insured no less than 30 days' notice in writing of the intent not to renew. (b) Every individual disability insurance policy which is subject to renewal at the option of the insurer shall so indicate in a prominently captioned statement on the first page of such policy. (Acts 1957, No. 597, p. 834; Acts 1971, No. 407, p. 707, §451.)
AL Code § 27-19-32 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 19 - Disability Insurance Policies.|Article 1 - General Provisions.|Section 27-19-32 - Examination and Return of Policy.

Section 27-19-32Examination and return of policy. Every individual disability insurance policy, except single premium nonrenewable policies or contracts, issued for delivery in the State of Alabama shall have printed thereon, or attached thereto, a notice stating in substance that the person to whom the policy is issued shall be permitted to return the policy within 10 days of its delivery to such purchaser and to have the premium paid refunded if, after examination of the policy, the purchaser is not satisfied with it for any reason. If a policyholder or purchaser, pursuant to such notice, returns the policy or contract to the insurer at its home or branch office or to the agent through whom it was purchased, it shall be void from the beginning and the parties shall be in the same position as if no policy or contract has been issued. (Acts 1957, No. 597, p. 834; Acts 1971, No. 407, p. 707, §452.)
AL Code § 27-19-33 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 19 - Disability Insurance Policies.|Article 1 - General Provisions.|Section 27-19-33 - Addition of Endorsements or Riders to Existing Policies.

Section 27-19-33Addition of endorsements or riders to existing policies. Any insurer writing disability insurance policies may, with approval of the commissioner, add endorsements or riders to existing policies of such insurance, with or without increase in premium, provided there is shown separately on the endorsement or rider a stated premium charge for additional coverage. (Acts 1957, No. 597, p. 834; Acts 1971, No. 407, p. 707, §453.)
AL Code § 27-19-34 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 19 - Disability Insurance Policies.|Article 1 - General Provisions.|Section 27-19-34 - Compliance With Article by Rider or Endorsement.

Section 27-19-34Compliance with article by rider or endorsement. The requirements of this article may be complied with by the insurer by attaching to the policy such rider or endorsement as may be necessary for the purpose. (Acts 1957, No. 597, p. 834; Acts 1971, No. 407, p. 707, §454.)
AL Code § 27-19-35 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 19 - Disability Insurance Policies.|Article 1 - General Provisions.|Section 27-19-35 - Construction of Policy Provisions.

Section 27-19-35Construction of policy provisions. (a) No policy provision which is not subject to this article shall make a policy, or any portion thereof, less favorable in any respect to the insured or the beneficiary than the provisions thereof which are subject to this article. (b) A policy delivered, or issued for delivery, to any person in this state in violation of this article shall be held valid but shall be construed as provided in this article. When any provision in a policy subject to this article is in conflict with any provision of this article, the rights, duties, and obligations of the insurer, the insured, and the beneficiary shall be governed by the provisions of this article. (Acts 1953, No. 193, p. 247, §4; Acts 1957, No. 597, p. 834; Acts 1971, No. 407, p. 707, §455.)
AL Code § 27-19-36 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 19 - Disability Insurance Policies.|Article 1 - General Provisions.|Section 27-19-36 - Age Limit or Date for Termination of Coverage.

Section 27-19-36Age limit or date for termination of coverage. 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. (Acts 1953, No. 193, p. 247, §7; Acts 1957, No. 597, p. 834; Acts 1971, No. 407, p. 707, §456.)
AL Code § 27-19-37 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 19 - Disability Insurance Policies.|Article 1 - General Provisions.|Section 27-19-37 - Disability Insurance on Franchise Plan.

Section 27-19-37Disability insurance on franchise plan. Disability insurance on a franchise plan is hereby declared to be that form of disability insurance issued to: (1) Three or more employees of any corporation, copartnership, or individual employer, or any governmental corporation, agency, or department thereof; or (2) Ten or more members, employees, or employees of members of any trade or professional association, or of a labor union or of any other association having had an active existence for at least two years where such association or union has a constitution or bylaws and is formed in good faith for purposes other than that of obtaining insurance where such persons, with or without their dependents, are issued the same form of an individual policy varying only as to amounts and kinds of coverage applied for by such persons under an arrangement whereby the premiums on such policies may be paid to the insurer periodically by the employer, with or without payroll deductions, or by the association for its members or by some designated person acting on behalf of such employer or association or union. The term "employees" as used in this section may be deemed to include the officers, managers, employees, and retired employees of the employer and the individual proprietor or partners if the employer is an individual proprietor or partnership. (Acts 1971, No. 407, p. 707, §457.)
AL Code § 27-19-38 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 19 - Disability Insurance Policies.|Article 1 - General Provisions.|Section 27-19-38 - Coverage of Newly Born Children in Health Insurance Policies.

Section 27-19-38Coverage of newly born children in health insurance policies. (a) All individual and group health insurance policies providing coverage on an expense-incurred basis and individual and group service or indemnity type contracts issued by a nonprofit service corporation which provide coverage for a family member of the insured or subscriber shall, as to such family members' coverage, also provide that the health insurance benefits applicable for children shall be payable with respect to a newly born child of the insured or subscriber from the moment of birth. (b) The coverage for newly born children shall consist of coverage of injury or sickness including the necessary care and treatment of medically diagnosed congenital defects and birth abnormalities, but need not include benefits for routine well-baby care. (c) The requirements of this section shall apply to all insurance policies and subscriber contracts renewed, delivered, or issued for delivery in this state, 60 days after April 24, 1975. (Acts 1975, 3rd Ex. Sess., No. 82, p. 311, §§1-3.)