reglab/housing_qa huggingface dataset:
NY Ins L § 4320 (2021)
2021 New York Laws ISC - Insurance Article 43 - Non-Profit Medical and Dental Indemnity, or Health and Hospital Service Corporations 4320 - Limitations on Administrative Services and Stop-Loss Coverage.

§ 4320. Limitations on administrative services and stop-loss coverage.   No  insurer, subsidiary of an insurer, or controlled person of a holding   company system may act as an administrator or claims  paying  agent,  as   opposed  to  an  insurer,  on  behalf  of a group which denies or limits   benefits for a specific disease or  condition  or  for  a  procedure  or   treatment  unique  to  a specific disease or condition in a manner which   would be inconsistent with this chapter or  regulations  promulgated  by   the  superintendent  had  the  group  purchased  insurance.  No insurer,   subsidiary of an insurer, or controlled person of a holding company  may   provide  stop loss, catastrophic or reinsurance coverage to groups which   deny or limit benefits for a specific disease  or  condition  or  for  a   procedure  or  treatment  unique to a specific disease or condition in a   manner which would be inconsistent  with  this  chapter  or  regulations   promulgated  by the superintendent had the group purchased insurance.  A   limit, maximum, or other mechanism that controls total coverage  without   regard  to  a specific disease or condition shall not be deemed one that   denies or limits benefits for a specific disease or condition, or for  a   procedure  or  treatment  unique  to  a  specific  disease or condition.   Nothing herein shall be construed to mandate the inclusion of  specified   benefits  in  an employer group plan, if such plan is not subject to the   provisions of this chapter.
NY Ins L § 4323 (2021)
2021 New York Laws ISC - Insurance Article 43 - Non-Profit Medical and Dental Indemnity, or Health and Hospital Service Corporations 4323 - Marketing Materials.

§ 4323. Marketing materials.  (a) All health maintenance organizations issued a certificate of authority under article forty-four of the public health  law or licensed under this article shall prepare, in conjunction with the superintendent, and shall participate in and share the cost  of the  publication  and  dissemination  of a consumer's shopping guide for standardized individual health plans issued pursuant  to  sections  four thousand  three  hundred  twenty-one  and  four  thousand  three hundred twenty-two of this article and a separate consumer  shopping  guide  for standardized   qualifying  individual  health  insurance  contracts  and standardized qualifying group health insurance contracts issued pursuant to section four thousand three hundred twenty-six of this  article.  The consumer's shopping guides shall be published annually and shall include the  names,  addresses  and  telephone numbers of all health maintenance organizations offering such coverage as well as  a  description  of  the plan  design  and  premiums  in  such a manner that facilitates consumer comparison.  (b) Health maintenance organizations may distribute  additional  sales or  marketing  brochures  describing  the  standardized coverage offered subject to review by the superintendent.  (c) All health maintenance organization marketing  materials  must  be sufficiently  clear  to  avoid  deception or the capacity or tendency to mislead or deceive and may not disparage competitors.
NY Ins L § 4330 (2021)
2021 New York Laws ISC - Insurance Article 43 - Non-Profit Medical and Dental Indemnity, or Health and Hospital Service Corporations 4330 - Discrimination Because of Sex or Marital Status in Hospital, Surgical or Medical Expense Insurance.

§  4330.  Discrimination because of sex or marital status in hospital, surgical or medical expense insurance. (a) With  regard  to  a  contract issued  by  a corporation subject to the provisions of this article that provides hospital, surgical, or medical expense coverage or  a  contract of  student  accident and health insurance, as defined in subsection (a) of section  three  thousand  two  hundred  forty  of  this  chapter,  no corporation  shall because of sex, marital status or based on pregnancy, false  pregnancy,  termination  of  pregnancy,  or  recovery  therefrom, childbirth or related medical conditions:  (1)  make  any distinction or discrimination between persons as to the premiums or rates charged for  the  contract  or  in  any  other  manner whatever;  (2)  demand  or  require  a  greater  premium  from any person than it requires at that time from others in similar cases;  (3) make or require any rebate, discrimination or  discount  upon  the amount to be paid or the service to be rendered on any contract;  (4)  insert  in  the  contract any condition, or make any stipulation, whereby the  insured  binds  his  or  herself,  or  his  or  her  heirs, executors,  administrators or assigns, to accept any sum or service less than the full value or amount of  such  contract  in  case  of  a  claim thereon  except  such  conditions  and  stipulations as are imposed upon others in similar cases; and any such stipulation or condition  so  made or inserted shall be void;  (5) reject any application for a contract issued or sold by it;  (6)  cancel  or  refuse  to  issue,  renew or sell such contract after appropriate application therefor;  (7) fix any lower rate or discriminate in the fees or  commissions  of insurance  agents  or  insurance  brokers for writing or renewing such a contract; or  (8) engage in sexual stereotyping.  (b)  For  purposes  of  this  section,  "sex"  shall  include   sexual orientation, gender identity or expression, and transgender status.
NY Ins L § 4401 (2021)
2021 New York Laws ISC - Insurance Article 44 - Employee Welfare Funds 4401 - Declaration of Policy.

§  4401. Declaration of policy. (a) It is declared to be the policy of the state that employee welfare funds are of great benefit to  employees and  their families and that their growth should be encouraged; that the establishment and management of such funds vitally affect the well-being of millions of people and are in the public interest.  (b) It is further declared that such funds should be supervised by the state to the extent necessary to protect the  rights  of  employees  and their  families,  without  imposing  burdens  on  the  funds which might discourage their orderly growth and without duplicating the  supervisory responsibilities of any state agency.
NY Ins L § 4402 (2021)
2021 New York Laws ISC - Insurance Article 44 - Employee Welfare Funds 4402 - Definitions.

§  4402.  Definitions. In this article: (a) "Employee welfare fund" or "fund" means any trust fund or  other  fund  established  or  maintained jointly  by  one  or  more  employers  together  with  one or more labor organizations, whether directly or through trustees, to provide employee benefits by the purchase of insurance or annuity contracts or otherwise, and to which is paid or contracted  to  be  paid  anything,  other  than income  from  investments  of  such  fund  for  the benefit of employees employed in this state, and, if the principal office of the employer  is located  outside  of  the  state,  for  at  least twenty such employees; provided, however, that such term shall not include any such fund  where its over-all management is vested, alone or jointly with other trustees, in a corporate trustee which is subject to supervision by the supervisor of banks of any state or the comptroller of the currency.  (b) "Employee  benefits"  means  one  or more benefits or services for employees or their families or dependents, or for both,  including,  but not limited to, medical, surgical or hospital care or benefits, benefits in the event of sickness, accident, disability or death, benefits in the event of unemployment, or retirement benefits.  (c) "Trustee"  means  the  person  or group of persons who or which is charged with or has the general power of administration over an employee welfare fund and may include a pension board or committee,  a  board  of individual  trustees,  a  board of administration or the like; provided, however, such term shall  not  include  a  corporate  trustee  which  is subject  to  supervision  by the supervisor of banks of any state or the comptroller of the currency; nor shall such  term  include  any  insurer licensed  under  the  laws  of  this  state or authorized to do business herein.  (d) "Employed in this state" means employed at  a  place  of  business maintained by the employer in the state.  (e) "Employer"  means  all  persons  part or all of whose employees or members are covered by an employee welfare fund.  (f) "Person" means all individuals (acting alone or in  representative capacities),  partnerships, associations, corporations, labor unions and other entities.  (g) "Labor organization" means any labor union or any organization  of any   kind,   or   any  agency  or  employee  representation  committee, association, group or plan, in which  employees  participate  and  which exists  for  the purpose, in whole or in part, of dealing with employers concerning grievances, labor disputes, wages, rates  of  pay,  hours  of employment or conditions of work.
NY Ins L § 4403 (2021)
2021 New York Laws ISC - Insurance Article 44 - Employee Welfare Funds 4403 - Registration.

§  4403. Registration. (a) The trustees of every employee welfare fund shall register such fund with the superintendent within three months  of commencing  to  do business in this state. Such registration shall be in such  form  and  shall  contain  such  information   relating   to   the organization,  operations  and affairs of such fund as may be prescribed by the superintendent.  (b) If it is  found  that  the  conditions  that  originally  required registration  with  the superintendent have ceased to exist and that new conditions exist that would not require the registration of an  employee welfare  fund  with  the superintendent, then the superintendent may, on application of the trustees  or  on  the  superintendent's  own  motion, cancel the registration of such fund.
NY Ins L § 4404 (2021)
2021 New York Laws ISC - Insurance Article 44 - Employee Welfare Funds 4404 - Examinations; Requirement.

§  4404. Examinations; requirement. (a) The superintendent may examine into the affairs of any employee welfare fund as often as  he  deems  it necessary, and he shall do so at least once in every five years.  (b)   The  trustees  of  every  fund  shall  be  responsible  for  the maintenance of accurate records and books of account in conformance with generally accepted accounting principles and applicable regulations.
NY Ins L § 4405 (2021)
2021 New York Laws ISC - Insurance Article 44 - Employee Welfare Funds 4405 - Examinations; Conduct.

§ 4405. Examinations; conduct. (a) Whenever, pursuant to this article, the  superintendent  shall  determine  to  examine  the  affairs  of any employee welfare fund he shall make an order indicating the scope of the examination and may appoint as examiners one or more  competent  persons not  employed by the trustees of such fund or interested in such fund. A copy of such order shall, upon demand and before the examination begins, be exhibited to the trustees of such fund.  (b)  Any  examiner  authorized  by  the  superintendent   shall   have convenient  access at all reasonable hours to the books, records, files, assets, securities, and other documents of such fund, including those of any affiliated or subsidiary fund thereof, which  are  relevant  to  the examination,  and  shall  have  power to administer oaths and to examine under oath the trustees of such fund  and  their  officers,  agents  and employees and any other persons having custody or control of such books, records,  files,  assets,  securities  or other documents, regarding any matter relevant to the examination.  (c) The examiner in charge of such examination shall make a report  of every examination made by him, verified under oath, which shall comprise only  facts  appearing upon the books, records or other documents of the trustees of such fund or as ascertained from the sworn testimony of  its trustees,  or  their  officers,  agents  or  employees, or other persons examined   concerning   its   affairs,   and   such   conclusions    and recommendations as may reasonably be warranted from such facts.  (d)  The  superintendent  may appoint one or more competent persons as appraisers  to  appraise  any  interest  in  real  property  which   may constitute  assets  of any such fund. The report of such appraiser shall be a supplement to the report of the examiner in charge.
NY Ins L § 4406 (2021)
2021 New York Laws ISC - Insurance Article 44 - Employee Welfare Funds 4406 - Examinations; Publication.

§  4406.  Examinations;  publication.  (a)  All  reports and copies of reports of examinations and investigations of any employee welfare fund, shall be confidential communications, shall not be subject  to  subpoena and   shall   not  be  made  public  unless,  in  the  judgment  of  the superintendent, the ends of justice and the  public  advantage  will  be served  by the publication thereof, in which event he may publish a copy of any such report or any part thereof in such manner  as  he  may  deem proper.  (b)  In  any action or proceeding against the trustees of any fund, or against its other officers, agents, or employees, such  report,  or  any part thereof, if published by the superintendent, shall be admissible in evidence and shall be presumptive evidence of the facts stated therein.  (c)  The  superintendent  may  assemble and file for public inspection such information covering:  (1) forms of trust indentures in use;  (2) commission and fee schedules adopted by insurers;  (3) compensation paid to trustees of employee welfare funds; and  (4) such other matters affecting the establishment and  administration of such funds as, in his opinion, are in the public interest.
NY Ins L § 4407 (2021)
2021 New York Laws ISC - Insurance Article 44 - Employee Welfare Funds 4407 - Examinations; Expenses.

§  4407. Examinations; expenses. (a) The expenses of every examination of the affairs of any employee welfare fund, including any appraisal  of an  interest  in  real  property, made pursuant to any provision of this chapter, shall be paid by the employee welfare fund examined.  (b) For any  such  examination  by  the  superintendent  or  a  deputy superintendent  personally,  the  charge  shall  be  only  for necessary travelling expenses and other actual expenses. In all  other  cases  the expenses  of  examination  shall  also  include  reimbursement  for  the compensation  paid  for  the  services  of  persons  employed   by   the superintendent   or  by  his  authority  to  make  such  examination  or appraisal.  (c) Notwithstanding the provisions of subsection (a) or (b) hereof:  (1) funds with contributions of less than thirty thousand dollars,  as reported  in  the annual statement filed with the superintendent for the latest fiscal year covered by the  examination,  the  charge  shall  not exceed three hundred dollars;  (2)  funds  with contributions between thirty thousand dollars and one hundred fifty thousand dollars the charge shall not exceed  one  percent of such contributions;  (3)  the  superintendent, with the approval of the comptroller, may in his discretion for good cause shown remit or reduce such charges.  (d) All charges,  including  necessary  travelling  and  other  actual expenses,  as  audited and paid by the comptroller to the persons making the examination or appraisal, shall be presented to the trustees of  the employee  welfare  fund  in  the  form of a copy of the itemized bill as certified  and  approved  by  the  superintendent  or  by   any   deputy superintendent  or authorized employee of the department. Upon receiving such certified copy, such trustees shall pay the amount thereof  to  the superintendent, to be paid by him into the state treasury.
NY Ins L § 4408 (2021)
2021 New York Laws ISC - Insurance Article 44 - Employee Welfare Funds 4408 - Annual Statement.

§  4408.  Annual statement. (a) The trustees of every employee welfare fund shall file in the office of  the  superintendent,  annually  within five  months  after the close of the fiscal year used in maintaining the records of such fund, a statement, to be known as the  annual  statement of such fund.  (b)  Such  statement shall be executed in duplicate, subscribed by its trustee or, if there is more than one trustee, then by at least  two  of such  trustees,  and  affirmed  as  true under the penalties of perjury, showing its condition and affairs during such fiscal year.  Such  fiscal year shall not be changed without the consent of the superintendent.  (c)   Such   statement   shall  be  in  such  form  and  contain  such substantiation by vouchers and otherwise and such other  information  as the superintendent requires.  (d) The superintendent shall furnish to the trustees of every employee welfare  fund  required  by  law  to  report to him printed forms of the statements and schedules required by him.
NY Ins L § 4409 (2021)
2021 New York Laws ISC - Insurance Article 44 - Employee Welfare Funds 4409 - Special Statements.

§ 4409. Special statements. (a) In addition to any other statements or reports  required  by  this  article,  the  superintendent  may make any inquiry to the trustees of any employee welfare fund or to  any  of  its other  officers,  agents  or  employees  or  to  any  employer  or labor organization representing any employees eligible for  employee  benefits under  the fund relating to the transactions or condition of the fund or any related matter.  (b) Every such person shall reply in writing to such inquiry  promptly and   truthfully,   and   such  reply  shall  be,  if  required  by  the superintendent, subscribed and affirmed as true under the  penalties  of perjury by such individual or individuals as he shall designate.
NY Ins L § 4410 (2021)
2021 New York Laws ISC - Insurance Article 44 - Employee Welfare Funds 4410 - Annual Report.

§ 4410. Annual report. (a) The trustees of every employee welfare fund shall  within  five  months  after  the close of the fiscal year used in maintaining the records of such fund, annually file a  report  with  the superintendent to be known as the annual report.  (b)  Such report shall be subscribed by the trustee of the fund, or if there is more than one trustee it shall be subscribed by  at  least  two trustees,  and  affirmed by them as true under the penalties of perjury, showing the condition and affairs of the fund during such  fiscal  year. Such  report  shall  be  in  such  form  and contain such matters as the superintendent requires.  (c) Such annual report shall be kept on file with  the  superintendent and at the principal office of the trustees. The report, or such portion thereof as the superintendent deems appropriate, shall be made available by the superintendent or by the trustees, or both, for inspection by any employer contributing to such fund, by any labor organization which is a party to an agreement establishing such fund, or by any employee covered by  such  fund. In addition and to such extent that he deems it to be in the public interest, the superintendent may require the trustees to mail such report or such portions of it to any or all of such parties.
NY Ins L § 4411 (2021)
2021 New York Laws ISC - Insurance Article 44 - Employee Welfare Funds 4411 - Account Statements by Insurance Companies, Service Plans and Corporate Trustees and Agents.

§  4411.  Account statements by insurance companies, service plans and   corporate  trustees  and  agents.  Every  insurance  company,  hospital,   surgical  or  medical  service plan providing benefits under an employee   welfare  fund,  and  any  corporate  trustee   or   agent   holding   or   administering  all  or  any  part of such fund shall, within four months   after the end of each policy or fiscal year, furnish to the trustees  of   the  fund  a statement of account containing the information relating to   the fund as the trustees may need to comply with this article.
NY Ins L § 4412 (2021)
2021 New York Laws ISC - Insurance Article 44 - Employee Welfare Funds 4412 - Regulation Under Other Laws.

§  4412.  Regulation  under  other laws. (a) Where the trustees of any employee welfare fund are subject to and comply with  any  law  of  this state  other  than  this article or the law of any other state or of the United  States  with  respect  to  registration,  filing,   examination, statements  or reports, such requirements of this article or any of them may be waived by the superintendent with respect to  any  such  fund  or trustees to the extent that they are included in such other laws.  (b)  Application  for  such  a  waiver shall be made in writing to the superintendent on such forms as he may require and any waiver issued  by him shall be in writing and filed in his office.  (c) The superintendent may, at any time, revoke any such waiver if, in his  opinion, such other laws fail to accomplish adequately the purposes of this article.
NY Ins L § 4503 (2021)
2021 New York Laws ISC - Insurance Article 45 - Fraternal Benefit Societies 4503 - Licensing of Foreign and Alien Societies.

§   4503.   Licensing   of   foreign  and  alien  societies.  (a)  The superintendent may issue a license to do business in this state  to  any foreign  or alien society which conforms to the requirements for foreign or alien insurers pursuant to section one thousand one  hundred  six  of this  chapter,  other than subsection (e) thereof, and which conforms in substance to all  other  requirements  imposed  on  domestic  authorized societies under this chapter.  Every such license shall contain the name of  the  licensee,  its  home office address, the state or country under whose laws it was incorporated and  the  term  of  such  license.    The superintendent  may  refuse to issue or renew any such license if in his judgment such refusal will best promote the interests of the  people  of this  state.  The superintendent may refuse to renew any such license in addition to, or in lieu of, a proceeding under article  seventy-four  of this  chapter  in  the  circumstances specified in section four thousand five hundred nineteen of this article.  (b) Every license,  including  every  renewal  license,  issued  to  a foreign or alien society shall be for a term expiring on April thirtieth following  the date of issuance, but such license shall continue in full force until a renewal license shall have been issued or shall have  been specifically refused by the superintendent.  (c)  No alien society shall be authorized to do business in this state unless it shall at  all  times  maintain  trusteed  assets,  a  trusteed surplus and a deposit in the United States pursuant to the provisions of sections  one  thousand three hundred twelve, one thousand three hundred fifteen,  and  one  thousand  three  hundred  twenty  of  this  chapter, respectively.  Such trusteed surplus shall be in an amount not less than four hundred fifty thousand dollars and shall be held in trust  for  the security  of  members in the United States admitted to the society on or after January first, nineteen hundred forty. The term "policyholders  in the  United  States"  as  used  in  sections  one thousand three hundred twelve, one thousand  three  hundred  fifteen  and  one  thousand  three hundred  twenty  of  this  chapter  shall  be  deemed,  in  the  case of authorized alien societies, to refer to members  in  the  United  States admitted  to  the  society  on and after January first, nineteen hundred forty.