reglab/housing_qa huggingface dataset:
MO Rev Stat § 376.1082 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 376 - Life, Health and Accident Insurance|Section 376.1082 - Records maintained by administrator for insurer — director may examine records — records owned by insurer, transfer allowed, when.

Effective - 28 Aug 1993   376.1082. Records maintained by administrator for insurer — director may examine records — records owned by insurer, transfer allowed, when. — 1. Every administrator shall maintain and make available to the insurer complete books and records of all transactions performed on behalf of the insurer. The books and records shall be maintained in accordance with prudent standards of insurance record keeping and shall be maintained for a period of not less than five years from the date of their creation.  2. The director shall have access to books and records maintained by an administrator for the purposes of examination, audit and inspection. Any trade secrets contained in such books and records, including the identity and addresses of policyholders and certificate holders, shall be kept confidential, except that the director may use such information in any proceeding instituted against the administrator. Examinations shall be conducted pursuant to sections 374.160, 374.162, 374.190, 374.202 to 374.207 and 374.220.  3. The insurer shall own the records generated by the administrator pertaining to the insurer; however, the administrator shall retain the right to continuing access to books and records to permit the administrator to fulfill all of its contractual obligations to insured parties, claimants, and the insurer.  4. In the event the insurer and the administrator cancel their agreement, notwithstanding the provisions of subsection 1 of this section, the administrator may, by written agreement with the insurer, transfer all records to a new administrator rather than retain them for five years. In such cases, the new administrator shall acknowledge, in writing, that he is responsible for retaining the records of the prior administrator as required in subsection 1 of this section. ­­-------- (L. 1993 H.B. 709 § 44)
MO Rev Stat § 376.1083 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 376 - Life, Health and Accident Insurance|Section 376.1083 - Advertising restrictions for administrator.

Effective - 28 Aug 1993   376.1083. Advertising restrictions for administrator. — An administrator may use only such advertising pertaining to the business underwritten by an insurer as has been approved in writing by the insurer in advance of its use. ­­-------- (L. 1993 H.B. 709 § 45)
MO Rev Stat § 376.1084 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 376 - Life, Health and Accident Insurance|Section 376.1084 - Insurer responsible for benefits and underwriting practices — insurer to conduct review of administrator, when.

Effective - 28 Aug 1993   376.1084. Insurer responsible for benefits and underwriting practices — insurer to conduct review of administrator, when. — 1. If an insurer uses the services of an administrator, the insurer shall be responsible for determining the benefits, premium rates, underwriting criteria and claims payment procedures applicable to such coverage and for securing reinsurance, if any. The rules pertaining to these matters shall be provided, in writing, by the insurer to the administrator. The responsibilities of the administrator as to any of these matters shall be set forth in the written agreement between the administrator and the insurer.  2. It is the sole responsibility of the insurer to provide for competent administration of its programs.  3. In cases where an administrator administers benefits for more than one hundred certificate holders on behalf of an insurer, the insurer shall, at least semiannually, conduct a review of the operations of the administrator. At least one such review shall be an on-site audit of the operations of the administrator. ­­-------- (L. 1993 H.B. 709 § 46)
MO Rev Stat § 376.1085 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 376 - Life, Health and Accident Insurance|Section 376.1085 - Premiums held in fiduciary capacity, duties — financial records, duties — withdrawals from fiduciary account by agreement only, contents — payment of claims.

Effective - 28 Aug 1993   376.1085. Premiums held in fiduciary capacity, duties — financial records, duties — withdrawals from fiduciary account by agreement only, contents — payment of claims. — 1. All insurance charges or premiums collected by an administrator on behalf of or for an insurer or insurers, and the return of premiums received from that insurer or insurers, shall be held by the administrator in a fiduciary capacity. Such funds shall be immediately remitted to the person or persons entitled to them or shall be deposited promptly in a fiduciary account established and maintained by the administrator in a federally or state insured financial institution. The written agreement between the administrator and the insurer shall provide for the administrator to render periodically an accounting to the insurer detailing all transactions performed by the administrator pertaining to the business underwritten by the insurer.  2. If charges or premiums deposited in a fiduciary account have been collected on behalf of or for one or more insurers, the administrator shall keep records clearly recording the deposits in and withdrawals from the account on behalf of each insurer. The administrator shall keep copies of all the records and, upon request of an insurer, shall furnish the insurer with copies of the records pertaining to such deposits and withdrawals.  3. The administrator shall not pay any claim by withdrawals from a fiduciary account in which premiums or charges are deposited. Withdrawals from such account shall be made as provided in the written agreement between the administrator and the insurer. The written agreement shall address, but not be limited to, the following:  (1) Remittance to an insurer entitled to remittance;  (2) Deposit in an account maintained in the name of the insurer;  (3) Transfer to and deposit in a claims-paying account, with claims to be paid as provided for in subsection 4 of this section;  (4) Payment to a group policyholder for remittance to the insurer entitled to such remittance;  (5) Payment to the administrator of its commissions, fees or charges; or  (6) Remittance of return premium to the person or persons entitled to such return premium.  4. All claims paid by the administrator from funds collected on behalf of or for an insurer shall be paid only on drafts or checks of, and as authorized by, the insurer. ­­-------- (L. 1993 H.B. 709 § 47)
MO Rev Stat § 376.1087 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 376 - Life, Health and Accident Insurance|Section 376.1087 - Commissions not to be contingent on savings in payment of claims — may be based on premiums collected.

Effective - 28 Aug 1993   376.1087. Commissions not to be contingent on savings in payment of claims — may be based on premiums collected. — 1. An administrator shall not enter into any agreement or understanding with an insurer in which the effect is to make the amount of the administrator's commissions, fees or charges contingent upon savings effected in the adjustment, settlement and payment of losses covered by the insurer's obligations. This provision shall not prohibit an administrator from receiving performance based compensation for providing hospital or other auditing services.  2. This section shall not prevent the compensation of an administrator from being based on premiums or charges collected or the number of claims paid or processed. ­­-------- (L. 1993 H.B. 709 § 48)
MO Rev Stat § 376.1088 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 376 - Life, Health and Accident Insurance|Section 376.1088 - Notice to policyholder of administrator, contents, required — disclosure of receipts to insurer.

Effective - 28 Aug 1993   376.1088. Notice to policyholder of administrator, contents, required — disclosure of receipts to insurer. — 1. When the services of an administrator are used, the administrator shall provide a written notice to, and approved by, the insurer to covered individuals advising them of the identity of, and relationship among, the administrator, the policyholder and any insurer.  2. When an administrator collects funds, the reason for collection of each item shall be identified to the insured party and each item shall be shown separately from any premium. Additional charges may not be made for services to the extent the services have been paid for by the insurer.  3. The administrator shall disclose to the insurer all charges, fees and commissions received from all services in connection with the provision of administrative services for the insurer, including any fees or commissions paid by insurers providing reinsurance, stop loss coverage, or other form of insured benefit. ­­-------- (L. 1993 H.B. 709 § 49)
MO Rev Stat § 376.1090 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 376 - Life, Health and Accident Insurance|Section 376.1090 - Materials delivered to administrator for insured to be promptly delivered.

Effective - 28 Aug 1993   376.1090. Materials delivered to administrator for insured to be promptly delivered. — Any policies, certificates, booklets, termination notices or other written communications delivered by the insurer to the administrator for delivery to insured parties or covered individuals shall be delivered by the administrator promptly after receipt of instructions from the insurer to deliver them. ­­-------- (L. 1993 H.B. 709 § 50)
MO Rev Stat § 376.1093 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 376 - Life, Health and Accident Insurance|Section 376.1093 - Annual report filed with director, when — contents — filing fee, amount.

Effective - 28 Aug 1993   376.1093. Annual report filed with director, when — contents — filing fee, amount. — 1. Each administrator shall file an annual report for the preceding calendar year with the director on or before March first of each year, or within such extension of time therefor as the director for good cause may grant. The report shall be in the form and contain such matters as the director prescribes and shall be verified by at least two officers of the administrator.  2. The annual report shall include the complete names and addresses of all insurers and trusts with which the administrator had an agreement during the preceding fiscal year.  3. The annual report shall identify which insurers or trusts are fully insured by an insurer licensed to transact business in this state, self-insured, or have stop-loss coverage.  4. For those insurers or trusts which are fully insured or which possess stop-loss coverage, the annual report shall identify the carrier and policy or certificate number.  5. At the time of filing its annual report, the administrator shall pay a filing fee of two hundred fifty dollars. ­­-------- (L. 1993 H.B. 709 § 52)
MO Rev Stat § 376.1095 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 376 - Life, Health and Accident Insurance|Section 376.1095 - Rules and regulations, promulgation.

Effective - 28 Aug 1995   376.1095. Rules and regulations, promulgation. — The director shall have the power to promulgate such rules and regulations as are necessary to implement the provisions of sections 376.1075 to 376.1095. No rule or portion of a rule promulgated under the authority of sections 376.1075 to 376.1095 shall become effective unless it has been promulgated pursuant to the provisions of section 536.024. ­­-------- (L. 1993 H.B. 709 § 54, A.L. 1995 S.B. 3)
MO Rev Stat § 376.1103 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 376 - Life, Health and Accident Insurance|Section 376.1103 - Laws applicable, Medicare supplement laws not applicable — purpose — policies or riders must be in compliance.

Effective - 28 Aug 2002   376.1103. Laws applicable, Medicare supplement laws not applicable — purpose — policies or riders must be in compliance. — 1. The provisions of sections 376.1100 to 376.1130 shall apply to policies delivered or issued for delivery in this state on or after August 28, 2002. Sections 376.1100 to 376.1130 are not intended to supersede the obligations of entities subject to the provisions of sections 376.1100 to 376.1130 to comply with the substance of other applicable insurance laws insofar as they do not conflict with the provisions of sections 376.1100 to 376.1130, except that laws and regulations designed and intended to apply to Medicare supplement insurance policies shall not be applied to long-term care insurance.  2. The purposes of the provisions of sections 376.1100 to 376.1130 are to promote the public interest, to promote the availability of long-term care insurance policies, to protect applicants for long-term care insurance, as defined, from unfair or deceptive sales or enrollment practices, to establish standards for long-term care insurance, to facilitate public understanding and comparison of long-term care insurance policies, and to facilitate flexibility and innovation in the development of long-term care insurance coverage.  3. Any policy or rider advertised, marketed or offered as long-term care or nursing home insurance shall comply with the provisions of sections 376.1100 to 376.1130. ­­-------- (L. 1990 S.B. 765 §§ 3, 8, A.L. 2002 H.B. 1568 merged with S.B. 1009)  Transferred 2002; formerly 376.952
MO Rev Stat § 376.1106 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 376 - Life, Health and Accident Insurance|Section 376.1106 - Policies issued in other states may be issued to residents of Missouri if in compliance with Missouri regulations.

Effective - 28 Aug 1990   376.1106. Policies issued in other states may be issued to residents of Missouri if in compliance with Missouri regulations. — No group long-term care insurance coverage may be offered to a resident of this state under a group policy issued in another state to a group described in paragraph (d) of subdivision (4) of subsection 2 of section 376.1100, unless this state or another state having statutory and regulatory long-term care insurance requirements substantially similar to those adopted in this state has made a determination that such requirements have been met. ­­-------- (L. 1990 S.B. 765 § 4)  Transferred 2002; formerly 376.953.
MO Rev Stat § 376.1112 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 376 - Life, Health and Accident Insurance|Section 376.1112 - Director to provide buyer's guide — content — advertising of long-term care policies to contain notice of availability of guide.

Effective - 28 Aug 1990   376.1112. Director to provide buyer's guide — content — advertising of long-term care policies to contain notice of availability of guide. — The director shall prepare a guide that explains the factors to be considered in selecting long-term care insurance and the consequences of particular clauses and exclusions. The guide shall be made available to the public and to interested organizations upon request. Any advertisement in this state relating to long-term care insurance shall include notice of availability of this guide from the director. ­­-------- (L. 1990 S.B. 765 § 6 subsec. 1)  Transferred 2002; formerly 376.956
MO Rev Stat § 376.1118 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 376 - Life, Health and Accident Insurance|Section 376.1118 - Benefits funded by a life insurance death benefit acceleration, reports to policyholder required, content.

Effective - 28 Aug 1990   376.1118. Benefits funded by a life insurance death benefit acceleration, reports to policyholder required, content. — Any time a long-term care benefit, funded through a life insurance vehicle by the acceleration of the death benefit, is in benefit payment status, a monthly report shall be provided to the policyholder. Such report shall include:  (1) Any long-term care benefits paid out during the month;  (2) An explanation of any changes in the policy, such as death benefits or cash values, due to long-term care benefits being paid out; and  (3) The amount of long-term care benefits existing or remaining. ­­-------- (L. 1990 S.B. 765 § 7)  Transferred 2002; formerly 376.958
MO Rev Stat § 376.1121 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 376 - Life, Health and Accident Insurance|Section 376.1121 - Denial of claim, long-term care insurance, duties of issuer.

Effective - 28 Aug 2002   376.1121. Denial of claim, long-term care insurance, duties of issuer. — If a claim under a long-term care insurance contract is denied, the issuer shall, within sixty days of the date of a written request by the policyholder or certificate holder, or a representative thereof:  (1) Provide a written explanation of the reasons for the denial; and  (2) Make available all information directly related to the denial. ­­-------- (L. 2002 H.B. 1568 merged with S.B. 1009)
MO Rev Stat § 376.1124 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 376 - Life, Health and Accident Insurance|Section 376.1124 - Rescinding of a long-term care policy, permitted when — grounds for contesting — no field issuance, when.

Effective - 28 Aug 2002   376.1124. Rescinding of a long-term care policy, permitted when — grounds for contesting — no field issuance, when. — 1. For a policy or certificate that has been in force less than six months, an insurer may rescind a long-term care insurance policy or certificate, or deny an otherwise valid long-term care insurance claim upon a showing of misrepresentation that is material to the acceptance for coverage.  2. For a policy or certificate that has been in force for at least six months but less than two years, an insurer may rescind a long-term care insurance policy or certificate, or deny an otherwise valid long-term care insurance claim upon a showing of misrepresentation that is both material to the acceptance of coverage and which pertains to the conditions for which benefits are sought.  3. After a policy or certificate has been in force for two years, such policy or certificate is not contestable upon the grounds of misrepresentation alone. Such policy or certificate may be contested only upon a showing that the insured knowingly and intentionally misrepresented relevant facts relating to the insured's health.  4. No long-term care insurance policy or certificate shall be field issued based on medical or health status. For purposes of this subsection, "field issued" means a policy or certificate issued by an agent or third-party administrator pursuant to the underwriting authority granted to the agent or third-party administrator by an insurer.  5. If an insurer has paid benefits under the long-term care insurance policy or certificate, the benefit payments shall not be recovered by the insurer if such policy or certificate is rescinded.  6. In the event of the death of the insured, this section shall not apply to the remaining death benefit of a life insurance policy that accelerates benefits for long-term care. In this situation, the remaining death benefits under these such policies shall be governed by the contestability provisions otherwise applicable in the policy to life insurance benefits. In all other situations, this section shall apply to life insurance policies that accelerate benefits for long-term care. ­­-------- (L. 2002 H.B. 1568 merged with S.B. 1009)
MO Rev Stat § 376.1127 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 376 - Life, Health and Accident Insurance|Section 376.1127 - Nonforfeiture benefit option required for long-term care insurance policies, requirements of offer — rulemaking authority.

Effective - 28 Aug 2002   376.1127. Nonforfeiture benefit option required for long-term care insurance policies, requirements of offer — rulemaking authority. — 1. Except as provided in subsection 2 of this section, a long-term care insurance policy shall not be delivered or issued for delivery in this state unless the policyholder or certificate holder has been offered the option of purchasing a policy or certificate including a nonforfeiture benefit. The offer of a nonforfeiture benefit may be in the form of a rider that is attached to the policy. If a policyholder or certificate holder declines the nonforfeiture benefit, the insurer shall provide a contingent benefit upon lapse that will be available for a specified period of time following a substantial increase in premium rates.  2. When a group long-term care insurance policy is issued, the offer required in subsection 1 of this section shall be made to the group policyholder; except that, if the policy is issued as a group long-term care insurance, as defined in section 376.1100, other than to a continuing care retirement community or other similar entity, the offering shall be made to each proposed certificate holder.  3. The director shall promulgate rules specifying the type or types of nonforfeiture benefits to be offered as part of long-term care insurance policies and certificates, the standards for nonforfeiture benefits, and the rules regarding contingent benefit upon lapse, including a determination of the specified period of time during which a contingent benefit upon lapse will be available and the substantial premium rate increase that triggers a contingent benefit upon lapse as described in subsection 1 of this section. ­­-------- (L. 2002 H.B. 1568 merged with S.B. 1009)
MO Rev Stat § 376.1130 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 376 - Life, Health and Accident Insurance|Section 376.1130 - Rulemaking authority.

Effective - 28 Aug 2002   376.1130. Rulemaking authority. — 1. The director shall promulgate reasonable rules to promote premium adequacy and to provide alternatives for the policyholder in the event of substantial rate increases, and to establish minimum standards for marketing practices, agent testing, penalties, and reporting practices for long-term care insurance.  2. Any rule or portion of a rule, as that term is defined in section 536.010, that is created under the authority delegated in sections 376.1121 to 376.1130 shall become effective only if it complies with and is subject to all of the provisions of chapter 536 and, if applicable, section 536.028. This section and chapter 536 are nonseverable and if any of the powers vested with the general assembly pursuant to chapter 536 to review, to delay the effective date, or to disapprove and annul a rule are subsequently held unconstitutional, then the grant of rulemaking authority and any rule proposed or adopted after August 28, 2002, shall be invalid and void. ­­-------- (L. 2002 H.B. 1568 merged with S.B. 1009)
MO Rev Stat § 376.1190 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 376 - Life, Health and Accident Insurance|Section 376.1190 - Health care mandates — review by oversight division — actuarial analysis.

Effective - 28 Aug 2011   376.1190. Health care mandates — review by oversight division — actuarial analysis. — Any health care benefit mandate proposed after August 28, 2011, shall be subject to review by the oversight division of the joint committee on legislative research. The oversight division shall perform an actuarial analysis of the cost impact to private and public payers of any new or revised mandated health care benefit proposed by the general assembly after August 28, 2011, and a recommendation shall be delivered to the speaker and the president pro tem prior to mandate being enacted. ­­-------- (L. 2011 S.B. 62 § 376.1190, subsec. 3)  CROSS REFERENCE:  Nonseverability clause, 190.840