reglab/housing_qa huggingface dataset:
AK Stat § 21.06.180 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 06. The Director of Insurance|Sec. 21.06.180. Hearings.

(a) The director may hold hearings for any purpose within the scope of this title considered to be necessary. (b) The office of administrative hearings (AS 44.64.010) shall conduct a hearing on behalf of the director if required under AS 44.64.030. Otherwise, the director shall conduct a hearing if required by a provision of this title, or upon written demand to the director by a person aggrieved by an act, threatened act, or failure of the director to act, or by a report, regulation, or order of the director (other than an order for the holding of a hearing, or an order on hearing or under it). A demand must specify the grounds to be relied upon at the hearing as a basis for the relief. Except as provided under AS 21.27.420(d), unless postponed by mutual consent or for good cause shown, the hearing shall be held within 30 days after receipt by the director of the written demand. (c) Except as provided under AS 21.27.420(d), if, within the 30-day period, the director does not either (1) grant the hearing, or (2) issue an order refusing the hearing, as to the previous report, regulation, or order as to which the person so claims to be aggrieved, the hearing shall be considered to have been refused.
AK Stat § 21.06.190 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 06. The Director of Insurance|Sec. 21.06.190. Stay of action.

(a) Except as provided in AS 21.27.420(d), a demand for a hearing received by the director before the effective date of an order issued or within 10 days after an order is delivered stays the effectiveness of the order pending the hearing and an order made thereon, except as to action taken or proposed under an order (1) on hearing; (2) under and supplemental to an order on hearing; or (3) based upon impairment of assets or unsound financial condition of an insurer. (b) If an automatic stay is not provided for and the director after receipt of a written request for a stay fails to grant it, the person aggrieved may apply to the superior court for a stay of the director's proposed action.
AK Stat § 21.06.200 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 06. The Director of Insurance|Sec. 21.06.200. Notice of hearing.

Not less than 20 days in advance, the administrative law judge or director shall give notice of the time and place of the hearing, stating the matters to be considered at the hearing. If the persons to be given notice are not specified in the provision under which the hearing is held, the administrative law judge or director shall give notice to all persons whose pecuniary interests are to be directly and immediately affected by the hearing.
AK Stat § 21.06.210 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 06. The Director of Insurance|Sec. 21.06.210. Hearing procedure.

(a) The administrative law judge or director shall allow a party to the hearing to appear in person and by counsel, to be present during the giving of all evidence, to have a reasonable opportunity to inspect all documentary evidence and to examine witnesses, to present evidence in support of the party's interest, and to have subpoenas issued by the administrative law judge or director to compel attendance of witnesses and production of evidence in the party's behalf. (b) The administrative law judge or director shall permit to become a party to the hearing by intervention, if timely, any person who was not an original party to the proceeding and whose pecuniary interests are to be directly and immediately affected by the director's order made upon the hearing. (c) Formal rules of pleading or evidence need not be observed at a hearing. (d) Upon written request seasonably made by a party to the hearing and at that person's expense, the administrative law judge or director shall cause a full stenographic record of the proceedings to be made by a competent reporter. If transcribed, a copy of the stenographic record shall be furnished to the director, without cost to the director or the state, and shall be a part of the director's record of the hearing. If transcribed, a copy of the stenographic record shall be furnished to any other party to the hearing at the request and expense of the other party. If no stenographic record is made or transcribed, the administrative law judge or director shall prepare an adequate record of the evidence and of the proceedings. (e) Upon written request of a party to a hearing filed with the director within 30 days after an order made pursuant to a hearing has been mailed or delivered to the persons entitled to receive it, the director may grant a rehearing or reargument of the matters involved in the hearing. Notice of the rehearing or reargument must conform to the requirements of AS 21.06.200. (f) If the parties agree, the administrative law judge or director may conduct a hearing under this section by teleconference. (g) A witness at a hearing under this section may testify telephonically. (h) The administrative law judge or director may close a hearing to the public when the administrative law judge or director finds the closure is necessary to protect a person against unwarranted injury or is in the public interest.
AK Stat § 21.06.220 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 06. The Director of Insurance|Sec. 21.06.220. Order on hearing.

(a) In conducting the hearing, the administrative law judge or director shall sit in a quasi-judicial capacity. Within 45 days after termination of the hearing, rehearing, or reargument, the director shall make an order on hearing, covering matters involved in the hearing, rehearing, or reargument, and shall give a copy of the order to the same persons given notice of the hearing. (b) The order must contain a concise statement of the facts found by the director, the conclusions of the director, and the matters required by AS 21.06.100. (c) The order may affirm, modify, or nullify a previous action or may constitute the taking of new action within the scope of the notice of hearing.
AK Stat § 21.06.230 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 06. The Director of Insurance|Sec. 21.06.230. Appeals from the director.

A person aggrieved by an order of the director may appeal the order to the superior court using procedures provided by court rule.
AK Stat § 21.06.240 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 06. The Director of Insurance|Sec. 21.06.240. Hearings inapplicable to rate making.

The hearing and appeal procedures provided for in AS 21.06.180 - 21.06.230 do not apply to matters covered by AS 21.39 (Rates and Rating Organizations).
AK Stat § 21.06.250 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 06. The Director of Insurance|Sec. 21.06.250. Fees and licenses.

The director shall collect in advance a fee for each license and for services performed by the division of insurance. Fees may be collected for but are not limited to applications, licenses and license renewals, certificates of authority, service of process, printed or photocopied material, and postage. The director shall adopt regulations setting the fees in an amount the director determines to be sufficient to reimburse the state for the actual expense incurred in providing a service. The director may require by regulation that an insurer or other licensee pay a fee by electronic means.
AK Stat § 21.06.255 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 06. The Director of Insurance|Sec. 21.06.255. Information for child support purposes.

Notwithstanding any other provision of this title, a natural person who applies for a license or requests renewal of a license issued by the director under this title shall provide the director with the person's social security number. Upon request, the director shall provide a social security number provided under this section to the child support services agency created in AS 25.27.010, or the child support enforcement agency of another state, for child support purposes authorized under law.
AK Stat § 21.07.005 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 07. Patient Protections Under Health Care Insurance Policies|Sec. 21.07.005. Regulations relating to health care insurance policies.

(a) The director shall adopt regulations to provide standards and criteria for (1) the structure and operation of utilization review and benefit determination processes; (2) the establishment and maintenance of procedures by health care insurers to ensure that a covered individual has the opportunity for appropriate resolution of grievances; and (3) an independent review of an adverse determination or final adverse determination. (b) The regulations under (a) of this section must be at least as restrictive as the Utilization Review and Benefit Determination Model Act adopted by the National Association of Insurance Commissioners on June 22, 2003, the Health Carrier Grievance Procedure Model Act adopted by the National Association of Insurance Commissioners on June 22, 2003, and the Uniform Health Carrier External Review Model Act adopted by the National Association of Insurance Commissioners on June 2, 2008. (c) The director may adopt regulations for the registration and regulation of independent review organizations, including the establishment of fees in an amount the director determines to be sufficient to reimburse the state for actual expenses incurred in providing a service.
AK Stat § 21.07.020 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 07. Patient Protections Under Health Care Insurance Policies|Sec. 21.07.020. Required contract provisions for health care insurance policy.

A health care insurance policy must contain a provision (1) that preauthorization for a covered medical procedure on the basis of medical necessity may not be retroactively denied unless the preauthorization is based on materially incomplete or inaccurate information provided by or on behalf of the provider; (2) for emergency services that meet the requirements under 42 U.S.C. 300gg-19a(b) if any coverage is provided for treatment of an emergency medical condition; (3) that covered medical care services be reasonably available in the community in which a covered person resides or that, if referrals are required by the policy, adequate referrals outside the community be available if the medical care service is not available in the community; (4) that discloses covered benefits, optional supplemental benefits, and benefits relating to and restrictions on nonparticipating provider services; (5) describing a mechanism for assignment of benefits for health care providers and payment of benefits; (6) describing the availability of prescription medications or a formulary guide, and whether medications not listed are excluded; if a formulary guide is made available, the guide must be updated annually; and (7) describing available translation or interpreter services, including audiotape or braille information.
AK Stat § 21.07.080 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 07. Patient Protections Under Health Care Insurance Policies|Sec. 21.07.080. Religious nonmedical providers.

This chapter may not be construed to (1) restrict or limit the right of a health care insurer to include services provided by a religious nonmedical provider as medical care services covered by the health care insurance policy; (2) require a health care insurer, when determining coverage for services provided by a religious nonmedical provider, to (A) apply medically based eligibility standards; (B) use health care providers to determine access by a covered person; (C) use health care providers in making a decision on an internal or external appeal; or (D) require a covered person to be examined by a health care provider as a condition of coverage; or (3) require a health care insurance policy to exclude coverage for services provided by a religious nonmedical provider because the religious nonmedical provider is not providing medical or other data required from a health care provider if the medical or other data is inconsistent with the religious nonmedical treatment or nursing care being provided.
AK Stat § 21.07.090 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 07. Patient Protections Under Health Care Insurance Policies|Sec. 21.07.090. Construction.

This chapter may not be construed to supersede or change the provisions of 29 U.S.C. 1001 - 1191 (Employee Retirement Income Security Act of 1974) as those provisions apply to self-insured employers.
AK Stat § 21.07.250 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 07. Patient Protections Under Health Care Insurance Policies|Sec. 21.07.250. Definitions.

In this chapter, (1) [Repealed, § 65 ch 41 SLA 2016.] (2) [Repealed, § 65 ch 41 SLA 2016.] (3) “emergency medical condition” means a medical condition manifesting itself by acute symptoms of sufficient severity, including severe pain, that a prudent person who possesses an average knowledge of health and medicine could reasonably expect that the absence of immediate medical attention would result in serious impairment of bodily functions, serious dysfunction of a bodily organ or part, or would place the person's health or, with respect to a pregnant woman, the health of the woman or her unborn child, in serious jeopardy. (4) “emergency services” means medical care services or items furnished or required to evaluate and treat an emergency medical condition; (5) “health care insurer” has the meaning given in AS 21.54.500; (6) “health care provider” means a person licensed in this state or another state of the United States to provide medical care services; (7) “health insurance” has the meaning given in AS 21.12.050(a); (8) [Repealed, § 65 ch 41 SLA 2016.] (9) “medical care” has the meaning given in AS 21.97.900; (10) “participating health care provider” means a health care provider who has entered into an agreement with a health care insurer to provide services or supplies to a patient covered by a health care insurance policy; (11) “primary care provider” means a health care provider who provides general medical care services and does not specialize in treating a single injury, illness, or condition or who provides obstetrical, gynecological, or pediatric medical care services; (12) “provider” means a health care provider; (13) “religious nonmedical provider” means a person who provides only religious nonmedical treatment or nursing care for an illness or injury; (14) "utilization review" means a set of techniques designed to monitor the use of, or evaluate the clinical necessity, appropriateness, efficacy, or efficiency of, health care services, procedures, or settings; techniques may include ambulatory review, prospective review, second opinion certification, concurrent review, case management, discharge planning, or retrospective review.
AK Stat § 21.12.010 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 12. Kinds of Insurance, Limits of Risk, and Reinsurance|Sec. 21.12.010. Limit of risk.

(a) An insurer may not retain a risk on any one subject of insurance, whether located or to be performed in this state or elsewhere, in an amount exceeding 10 percent of its surplus to policyholders. (b) In this section a “subject of insurance” as to insurance against fire and hazards other than windstorm, earthquake, and other catastrophe hazards, includes all properties insured by the same insurer that are customarily considered by underwriters to be subject to loss or damage from the same fire or the same occurrence of the hazard insured against. (c) Reinsurance ceded as authorized by AS 21.12.020 shall be deducted in determining risk retained. As to surety risks, deduction shall also be made of the amount assumed by an established incorporated cosurety and the value of a security deposited, pledged or held subject to the surety's consent and for the surety's protection. (d) As to alien insurers, this section relates only to risks and surplus to policyholders of the insurer's United States branch. (e) In this section “surplus to policyholders” in addition to the insurer's capital and surplus includes any voluntary reserves that are not required under law, and are determined from the last sworn statement of the insurer on file with the director, or by the last report of examination of the insurer, whichever is more recent at time of assumption of risk. (f) This section does not apply to life or health insurance, annuities, title insurance, insurance of wet marine and transportation risks, workers' compensation insurance, employer's liability coverages, sprinklered risks, or to a policy or type of coverage in which the maximum possible loss to the insurer is not readily ascertainable on issuance of the policy.
AK Stat § 21.12.025 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 12. Kinds of Insurance, Limits of Risk, and Reinsurance|Sec. 21.12.025. Assumption reinsurance.

(a) A nondomestic admitted insurer may not carry out an agreement of assumption reinsurance with a nonadmitted insurer that would transfer Alaska policyholders unless (1) the nonadmitted insurer applies for and obtains a certificate of authority from the director; or (2) the admitted insurer files the assumption agreement with the director and obtains approval to apply the assumption agreement to Alaska policies or certificates. (b) The director shall approve an assumption agreement involving the assumption of Alaska insurance business by a nonadmitted insurer if (1) the ceding insurer is in supervision, conservation, or liquidation and the assuming insurer is in good standing in its state of domicile; or (2) approval would be in the public interest of the Alaska policyholders.
AK Stat § 21.12.030 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 12. Kinds of Insurance, Limits of Risk, and Reinsurance|Sec. 21.12.030. Definitions not mutually exclusive.

It is intended that certain insurance coverages may come within the definitions of two or more kinds of insurance as defined in this chapter, and the inclusion of coverage within one definition does not exclude it from the definition of another kind of insurance coverage if the coverage may be reasonably included.
AK Stat § 21.12.040 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 12. Kinds of Insurance, Limits of Risk, and Reinsurance|Sec. 21.12.040. Life insurance defined.

Life insurance is insurance on human lives. The transaction of life insurance includes also the granting of endowment benefits, additional benefits for death or dismemberment by accident or accidental means, additional benefits for the insured's disability, and optional modes of settlement of proceeds of life insurance. Transaction of life insurance does not include workers' compensation insurance.
AK Stat § 21.12.050 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 12. Kinds of Insurance, Limits of Risk, and Reinsurance|Sec. 21.12.050. Health and health care insurance defined.

(a) Health insurance is insurance of human beings (1) against bodily injury, disablement, or death by accident or accidental means; (2) against the resulting expenses of the injury, disablement, or death; (3) against disablement or expense resulting from sickness or childbirth; (4) against expense incurred in prevention of sickness; (5) for dental care; and (6) including every insurance that applies to injury, disablement, or death. Transaction of health insurance includes disability insurance and stop-loss insurance but does not include workers' compensation insurance. Health care insurance described in (b) of this section is a type of health insurance under this subsection. (b) Health care insurance means that part of health insurance that provides, delivers, arranges for, pays for, or reimburses any of the costs of medical care. (c) In this section, “stop-loss insurance” means insurance purchased by a self-insured employer to cover benefits the employer incurs in excess of a preset limit.
AK Stat § 21.12.052 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 12. Kinds of Insurance, Limits of Risk, and Reinsurance|Sec. 21.12.052. Disability insurance defined.

Disability insurance is insurance that provides periodic income payments when income is interrupted or terminated because of disability resulting from sickness, injury, or dismemberment, or a combination of sickness, injury, or dismemberment.
AK Stat § 21.12.055 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 12. Kinds of Insurance, Limits of Risk, and Reinsurance|Sec. 21.12.055. Annuities and annuity contract defined.

(a) Annuities means all agreements to make periodical payments if the making or continuance of all or some of a series of payments or the amount of a payment is dependent upon the continuance of human life, except payments made under AS 21.12.040. The business of annuities is considered to include additional benefits operating to safeguard the contract from lapse, or to provide a special surrender value, or special benefit, or annuity, in the event of the total and permanent disability of the holder. (b) Annuity contract means a contract providing for an annuity as defined in (a) of this section.
AK Stat § 21.12.060 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 12. Kinds of Insurance, Limits of Risk, and Reinsurance|Sec. 21.12.060. Property insurance defined.

Property insurance is insurance on real or personal property of every kind and of every interest therein, whether on land, water, or in the air, against loss or damage from any and all hazard or cause, and against loss consequential upon the loss or damage, other than noncontractual legal liability for loss or damage. Property insurance does not include title insurance as defined in AS 21.66.480.
AK Stat § 21.12.080 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 12. Kinds of Insurance, Limits of Risk, and Reinsurance|Sec. 21.12.080. Surety insurance defined.

Surety insurance includes (1) fidelity insurance, which is insurance guaranteeing the fidelity of persons holding positions of public or private trust; (2) insurance guaranteeing the performance of contracts, other than insurance policies, and guaranteeing and executing bonds, undertakings, and contracts of suretyship; (3) insurance indemnifying banks, bankers, brokers, financial or moneyed corporations or associations against loss, resulting from any cause, of bills of exchange, notes, bonds, securities, evidences of debt, deeds, mortgages, warehouse receipts or other valuable papers, documents, money, precious metals and articles made therefrom, jewelry, watches, necklaces, bracelets, gems, precious and semiprecious stones, including loss while being transported in armored motor vehicles or by messenger, but not including any other risks of transportation or navigation; also insurance against loss or damage to an insured's premises or to the furnishings, fixtures, equipment, safes, and vaults on an insured's premises caused by burglary, robbery, theft, vandalism, or malicious mischief, or attempted burglary, robbery, theft, vandalism, or malicious mischief.
AK Stat § 21.12.110 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 12. Kinds of Insurance, Limits of Risk, and Reinsurance|Sec. 21.12.110. Mortgage guaranty insurance defined.

Mortgage guaranty insurance includes insurance against financial loss by reason of nonpayment of principal, interest, and other sums agreed to be paid under the terms of any note or bond or other evidence of indebtedness secured by a mortgage, deed of trust, or other instrument consisting of a lien or charge on real estate.
AK Stat § 21.12.130 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 12. Kinds of Insurance, Limits of Risk, and Reinsurance|Sec. 21.12.130. Commercial insurance defined.

Commercial insurance is any line of property insurance, as defined in AS 21.12.060, or casualty insurance, as defined in AS 21.12.070, that is for business and professional interests, whether for profit, nonprofit, or public in nature. For purposes of filing rates under AS 21.39.040 and forms under AS 21.42.120, commercial insurance does not include workers' compensation insurance.