reglab/housing_qa huggingface dataset:
NE Code § 44-4421 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-4421 - Sale or purchase of insurance; requirements.

44-4421.  Sale or purchase of insurance; requirements.(1) Any person other than a licensed surplus lines licensee acting or offering to act as an insurance producer for a risk retention group or purchasing group which solicits members, sells insurance coverage, purchases coverage for its members located within this state, or otherwise does business in this state shall, before commencing any such activity, obtain a license from the director pursuant to the Insurance Producers Licensing Act.(2) Every person, firm, association, or corporation licensed pursuant to the Insurance Producers Licensing Act, on business placed with risk retention groups or written through a purchasing group, shall inform each prospective insured of the provisions of the notice required by section 44-4409 in the case of a risk retention group and subsection (2) of section 44-4418 in the case of a purchasing group.Source   Laws 1987, LB 514, § 21;   Laws 1989, LB 92, § 269;   Laws 1991, LB 236, § 57;  Laws 2001, LB 51, § 35.  Cross References  Insurance Producers Licensing Act, see section 44-4047.
NE Code § 44-4422 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-4422 - Federal order; enforceable.

44-4422.  Federal order; enforceable.An order issued by any district court of the United States enjoining a risk retention group from soliciting or selling insurance or operating in any state, in all states, or in any territory or possession of the United States upon a finding that such group is in a hazardous financial condition shall be enforceable in the courts of this state.Source  Laws 1987, LB 514, § 22.
NE Code § 44-4423 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-4423 - Rules and regulations.

44-4423.  Rules and regulations.The director shall adopt and promulgate rules and regulations relating to risk retention groups necessary to carry out the Risk Retention Act.Source  Laws 1987, LB 514, § 23.
NE Code § 44-4501 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-4501 - Act, how cited.

44-4501.  Act, how cited.Sections 44-4501 to 44-4521 shall be known and may be cited as the Long-Term Care Insurance Act.Source   Laws 1987, LB 416, § 1;   Laws 1992, LB 1006, § 44;  Laws 1999, LB 323, § 1;  Laws 2007, LB117, § 9.
NE Code § 44-4502 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-4502 - Purpose of act.

44-4502.  Purpose of act.The purposes of the Long-Term Care Insurance Act are to promote the public interest, to promote the availability of long-term care insurance policies, to protect applicants for long-term care insurance 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.Source  Laws 1987, LB 416, § 2.
NE Code § 44-4503 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-4503 - Long-term care insurance; applicability of acts.

44-4503.  Long-term care insurance; applicability of acts.The Long-Term Care Insurance Act shall apply to policies delivered or issued for delivery in this state on or after May 30, 1987, and shall not supersede the obligations of entities subject to the act to comply with the provisions of Chapter 44 insofar as such provisions do not conflict with the Long-Term Care Insurance Act, except that the Medicare Supplement Insurance Minimum Standards Act shall not apply to long-term care insurance. Any product advertised, marketed, or offered as long-term care insurance shall be subject to the Long-Term Care Insurance Act.Source   Laws 1987, LB 416, § 3;   Laws 1988, LB 998, § 13;   Laws 1992, LB 1006, § 45.  Cross References  Medicare Supplement Insurance Minimum Standards Act, see section 44-3601.
NE Code § 44-4504 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-4504 - Definitions, sections found.

44-4504.  Definitions, sections found.As used in the Long-Term Care Insurance Act, unless the context otherwise requires, the definitions found in sections 44-4505 to 44-4510 shall be used.Source  Laws 1987, LB 416, § 4.
NE Code § 44-4505 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-4505 - Applicant, defined.

44-4505.  Applicant, defined.Applicant shall mean (1) in the case of an individual policy, the person who seeks to contract for such benefits and (2) in the case of a group policy, the proposed certificate holder.Source  Laws 1987, LB 416, § 5.
NE Code § 44-4506 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-4506 - Certificate, defined.

44-4506.  Certificate, defined.Certificate shall mean any certificate issued under a group policy, which policy has been delivered or issued for delivery in this state.Source  Laws 1987, LB 416, § 6.
NE Code § 44-4507 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-4507 - Director, defined.

44-4507.  Director, defined.Director shall mean the Director of Insurance.Source  Laws 1987, LB 416, § 7.
NE Code § 44-4508 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-4508 - Group policy, defined.

44-4508.  Group policy, defined.Group policy shall mean a long-term care insurance policy which is delivered or issued for delivery in this state and issued to:(1) One or more employers or labor organizations or a trust or the trustees of a fund established by one or more employers or labor organizations, or a combination thereof, for employees or former employees, or a combination thereof, or for members or former members, or a combination thereof, of the labor organizations;(2) Any professional, trade, or occupational association for its members or former or retired members, or a combination thereof, if such association:(a) Is composed of individuals all of whom are or were actively engaged in the same profession, trade, or occupation; and(b) Has been maintained in good faith for purposes other than obtaining insurance;(3) An association or a trust or the trustee of a fund established, created, or maintained for the benefit of members of one or more associations. Prior to advertising, marketing, or offering such policy within this state, the association or associations or the insurer of the association or associations shall file evidence with the director that the association or associations have at the outset a minimum of one hundred members, have been organized and maintained in good faith for purposes other than that of obtaining insurance, have been in active existence for at least one year, and have a constitution and bylaws which provide that (a) the association or associations hold regular meetings not less than annually to further purposes of the members, (b) except for credit unions, the association or associations collect dues or solicit contributions from members, and (c) the members have voting privileges and representation on the governing board and committees. Thirty days after such filing, the association or associations shall be deemed to satisfy such organizational requirements unless the director makes a finding that the association or associations do not satisfy those organizational requirements; or(4) A group other than as described in subdivision (1), (2), or (3) of this section, subject to a finding by the director that:(a) The issuance of the group policy is not contrary to the best interest of the public;(b) The issuance of the group policy would result in economies of acquisition or administration; and(c) The benefits are reasonable in relation to the premiums charged.Source   Laws 1987, LB 416, § 8;   Laws 1989, LB 92, § 270.
NE Code § 44-4509 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-4509 - Long-term care insurance, defined.

44-4509.  Long-term care insurance, defined.Long-term care insurance shall mean any insurance policy or rider advertised, marketed, offered, or designed to provide coverage for not less than twelve consecutive months for each covered person on an expense-incurred, indemnity, prepaid, or other basis for one or more necessary or medically necessary diagnostic, preventive, therapeutic, rehabilitative, maintenance, or personal care services provided in a setting other than an acute care unit of a hospital. Long-term care insurance shall include group and individual annuities and life insurance policies or riders which provide directly or which supplement long-term care insurance. Long-term care insurance shall also include a policy or rider which provides for payment of benefits based upon cognitive impairment or the loss of functional capacity. Long-term care insurance may be issued by insurers, fraternal benefit societies, prepaid health plans, health maintenance organizations, or any similar organizations to the extent they are otherwise authorized to issue life or health insurance. Long-term care insurance shall not include any insurance policy which is offered primarily to provide medicare supplement coverage, basic hospital expense coverage, basic medical-surgical expense coverage, hospital confinement indemnity coverage, major medical expense coverage, disability income or related asset-protection coverage, accident-only coverage, specified disease or specified accident coverage, or limited-benefit health coverage. Long-term care insurance shall not include life insurance policies which accelerate the death benefit specifically for one or more of the qualifying events of terminal illness, medical conditions requiring extraordinary medical intervention, or permanent institutional confinement and which provide the option of a lump-sum payment for those benefits and in which neither the benefits nor the eligibility for the benefits is conditioned upon the receipt of long-term care.Source   Laws 1987, LB 416, § 9;   Laws 1989, LB 92, § 271;   Laws 1992, LB 1006, § 46.
NE Code § 44-4510 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-4510 - Policy, defined.

44-4510.  Policy, defined.Policy shall mean any individual or group policy, contract, subscriber agreement, rider, or endorsement delivered or issued for delivery in this state by an insurer, fraternal benefit society, prepaid health plan, health maintenance organization, or any similar organization.Source   Laws 1987, LB 416, § 10;   Laws 1989, LB 92, § 272.
NE Code § 44-4511 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-4511 - Insurance; offer; restrictions.

44-4511.  Insurance; offer; restrictions.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 subdivision (4) of section 44-4508 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.Source  Laws 1987, LB 416, § 11.
NE Code § 44-4512 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-4512 - Rules and regulations for disclosure.

44-4512.  Rules and regulations for disclosure.The director may adopt and promulgate reasonable rules and regulations in accordance with the Administrative Procedure Act that include standards for full and fair disclosure setting forth the manner, content, and required disclosures for the sale of long-term care insurance policies, terms of renewability, initial and subsequent conditions of eligibility, nonduplication of coverage provisions, coverage of dependents, preexisting conditions, termination of insurance, continuation or conversion, probationary periods, limitations, exceptions, reductions, elimination periods, requirements for replacement, recurrent conditions, and definitions of terms.Source   Laws 1987, LB 416, § 12;   Laws 1989, LB 92, § 273.  Cross References  Administrative Procedure Act, see section 84-920.
NE Code § 44-4514 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-4514 - Rules and regulations for loss-ratio standards.

44-4514.  Rules and regulations for loss-ratio standards.The director may adopt and promulgate rules and regulations establishing loss-ratio standards for long-term care insurance policies if a specific reference to long-term care insurance policies is contained in such rules or regulations.Source  Laws 1987, LB 416, § 14.
NE Code § 44-4515 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-4515 - Applicants; rights.

44-4515.  Applicants; rights.Long-term care insurance applicants shall have the right to return the policy or certificate within thirty days of its delivery and to have the premium refunded if, after examination of the policy or certificate, the applicant is not satisfied for any reason. Long-term care insurance policies and certificates shall have a notice prominently printed on the first page of the policy or certificate or attached thereto stating in substance that the applicant has the right to return the policy or certificate within thirty days of its delivery and to have the premium refunded if, after examination of the policy or certificate other than a certificate issued to a group as defined in subdivision (1) of section 44-4508, the applicant is not satisfied for any reason.Source   Laws 1987, LB 416, § 15;   Laws 1989, LB 295, § 2;   Laws 1992, LB 1006, § 48.
NE Code § 44-4517 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-4517 - Compliance with act.

44-4517.  Compliance with act.Any policy or rider advertised, marketed, or offered as long-term care insurance or nursing home insurance shall comply with the Long-Term Care Insurance Act.Source   Laws 1987, LB 416, § 17;   Laws 1992, LB 1006, § 50.
NE Code § 44-4517.01 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-4517.01 - Policy or certificate; claim denial; grounds; exception; issuance restriction.

44-4517.01.  Policy or certificate; claim denial; grounds; exception; issuance restriction.(1) For a policy or certificate that has been in force for 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 for coverage and which pertains to the condition for which benefits are sought.(3) After a policy or certificate has been in force for two years it 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)(a) No long-term care insurance policy or certificate may be field issued based on medical or health status.(b) For purposes of this section, field issued means a policy or certificate issued by an agent or a 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 a long-term care insurance policy or certificate, the benefit payments may not be recovered by the insurer in the event that the 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 policies shall be governed by section 44-502. In all other situations, this section shall apply to life insurance policies that accelerate benefits for long-term care.Source Laws 1999, LB 323, § 2.
NE Code § 44-4517.02 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-4517.02 - Policy or certificate; nonforfeiture benefits.

44-4517.02.  Policy or certificate; nonforfeiture benefits.(1) Except as provided in subsection (2) of this section, a long-term care insurance policy may 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.(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. However, if the policy is issued as group long-term care insurance, 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 adopt and promulgate rules and regulations specifying the type or types of nonforfeiture benefits to be offered as part of long-term care insurance policies and certificates and the standards for nonforfeiture benefits.Source Laws 1999, LB 323, § 3.
NE Code § 44-4518 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-4518 - Director; duties.

44-4518.  Director; duties.The director shall adopt and promulgate rules and regulations to promote premium adequacy, to protect the policyholder in the event of substantial rate increases, and to establish minimum standards for marketing practices, agent compensation, agent testing, penalties, and reporting practices for long-term care insurance.Source   Laws 1992, LB 1006, § 51;  Laws 1999, LB 323, § 4.
NE Code § 44-4519 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-4519 - Rules and regulations.

44-4519.  Rules and regulations.The director may adopt and promulgate rules and regulations to carry out the Long-Term Care Insurance Act, including minimum standards for insurance producer training.Source   Laws 1992, LB 1006, § 53;  Laws 2007, LB117, § 11.
NE Code § 44-4520 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-4520 - Violations; administrative penalty.

44-4520.  Violations; administrative penalty.In addition to any other penalties provided by the laws of this state, any insurer or agent found by the director to have violated the Long-Term Care Insurance Act or any rule or regulation shall be subject to an administrative penalty of up to three times the amount of any commissions paid for each policy involved in the violation or up to ten thousand dollars, whichever is greater.Source  Laws 1992, LB 1006, § 52.
NE Code § 44-4701 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-4701 - Act, how cited.

44-4701.  Act, how cited.Sections 44-4701 to 44-4727 shall be known and may be cited as the Prepaid Limited Health Service Organization Act.Source  Laws 1989, LB 320, § 1.
NE Code § 44-4702 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-4702 - Terms, defined.

44-4702.  Terms, defined.For purposes of the Prepaid Limited Health Service Organization Act:(1) Director shall mean the Director of Insurance;(2) Enrollee shall mean an individual, including dependents, who is entitled to limited health services pursuant to a contract with an entity authorized to provide or arrange for such services under the act;(3) Evidence of coverage shall mean any certificate, agreement, or contract issued pursuant to section 44-4709 setting forth the coverage to which an enrollee is entitled;(4) Limited health services shall mean dental care services, vision care services, mental health services, substance abuse services, pharmaceutical services, podiatric care services, and such other services as may be determined by the director to be limited health services. Limited health services shall not include hospital, medical, surgical, or emergency services except as such services are provided incident to the limited health services set forth in this subdivision;(5) Prepaid limited health service organization shall mean any corporation, partnership, limited liability company, or other entity which, in return for a prepayment, undertakes to provide or arrange for the provision of one or more limited health services to enrollees. Prepaid limited health service organization shall not include (a) an entity otherwise authorized pursuant to the laws of this state either to provide any limited health service on a prepayment or other basis or to indemnify for any limited health service, (b) an entity that meets the requirements of section 44-4707, or (c) a provider or entity when providing or arranging for the provision of limited health services pursuant to a contract with a prepaid limited health service organization or with an entity described in subdivision (5)(a) or (b) of this section;(6) Provider shall mean any physician, dentist, health facility, or other person or institution which is duly licensed or otherwise authorized to deliver or furnish limited health services; and(7) Subscriber shall mean the person whose employment or other status, except for family dependency, is the basis for entitlement to limited health services pursuant to a contract with an entity authorized to provide or arrange for such services under the act.Source   Laws 1989, LB 320, § 2;   Laws 1993, LB 121, § 254.
NE Code § 44-4703 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-4703 - Certificate of authority; required.

44-4703.  Certificate of authority; required.No person, corporation, partnership, limited liability company, or other entity may operate a prepaid limited health service organization in this state without obtaining and maintaining a certificate of authority from the director pursuant to the Prepaid Limited Health Service Organization Act.Source   Laws 1989, LB 320, § 3;   Laws 1993, LB 121, § 255.
NE Code § 44-4705 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-4705 - Issuance of certificate of authority; conditions; denial.

44-4705.  Issuance of certificate of authority; conditions; denial.(1) Following receipt of an application filed pursuant to section 44-4704, the director shall review such application and notify the applicant of deficiencies therein. The director shall issue a certificate of authority if the following conditions are met:(a) The requirements of section 44-4704 have been fulfilled;(b) The individuals responsible for the conduct of the affairs of the applicant are competent and trustworthy, possess good reputations, and have had appropriate experience, training, or education;(c) The applicant is financially responsible and may reasonably be expected to meet its obligations to enrollees and to prospective enrollees. In making this determination, the director may consider:(i) The financial soundness of the applicant's arrangements for limited health services and the minimum standard rates, deductibles, copayments, and other patient charges used in connection therewith;(ii) The adequacy of working capital, other sources of funding, and provisions for contingencies;(iii) Any agreement providing for payment of the cost of the limited health services or for alternative coverage in the event of insolvency of the prepaid limited health service organization; and(iv) The manner in which the requirements of section 44-4718 have been fulfilled;(d) The agreements with providers for the provision of limited health services contain the provisions required by section 44-4717; and(e) Any deficiencies identified by the director have been corrected.(2) If the certificate of authority is denied, the director shall notify the applicant by certified mail and shall specify the reasons for denial in the notice. The prepaid limited health service organization shall have ten days from the date of receipt of the notice to request a hearing before the director pursuant to the Administrative Procedure Act.Source  Laws 1989, LB 320, § 5. Cross References  Administrative Procedure Act, see section 84-920.