reglab/housing_qa huggingface dataset:
ID Code § 41-2111 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 21 - DISABILITY INSURANCE POLICIES|Section 41-2111 - PROOFS OF LOSS.

41-2111. PROOFS OF LOSS. There shall be a provision as follows: "Proofs of Loss: Written proof of loss must be furnished to the insurer at its said office in case of claim for loss for which this policy provides any periodic payment contingent upon continuing loss within ninety days after the termination of the period for which the insurer is liable and in case of claim for any other loss within ninety days after the date of such loss. Failure to furnish such proof within the time required shall not invalidate nor reduce any claim if it was not reasonably possible to give proof within such time, provided such proof is furnished as soon as reasonably possible and in no event, except in the absence of legal capacity, later than one year from the time proof is otherwise required."  History: [41-2111, added 1961, ch. 330, sec. 500, p. 645.]
ID Code § 41-2112 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 21 - DISABILITY INSURANCE POLICIES|Section 41-2112 - TIME OF PAYMENT OF CLAIMS.

41-2112. TIME OF PAYMENT OF CLAIMS. There shall be a provision as follows: "Time of Payment of Claims: Indemnities payable under this policy for any loss other than loss for which this policy provides any periodic payment, will be paid immediately upon receipt of due written proof of such loss. Subject to due written proof of loss, all accrued indemnities for loss for which this policy provides periodic payment will be paid …. (insert period for payment which must not be less frequently than monthly) and any balance remaining unpaid upon the termination of liability will be paid immediately upon receipt of due written proof."  History: [41-2112, added 1961, ch. 330, sec. 501, p. 645.]
ID Code § 41-2113 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 21 - DISABILITY INSURANCE POLICIES|Section 41-2113 - PAYMENT OF CLAIMS.

41-2113. PAYMENT OF CLAIMS. (1) There shall be a provision as follows: "Payment of Claims: Indemnity for loss of life will be payable in accordance with the beneficiary designation and the provisions respecting such payment which may be prescribed herein and effective at the time of payment. If no such designation or provision is then effective, such indemnity shall be payable to the estate of the insured. Any other accrued indemnities unpaid at the insured’s death may, at the option of the insurer, be paid either to such beneficiary or to such estate. All other indemnities will be payable to the insured." (2) The following provisions, or either of them, may be included with the foregoing provision at the option of the insurer: (a) "If any indemnity of this policy shall be payable to the estate of the insured, or to an insured or beneficiary who is a minor or otherwise not competent to give a valid release, the insurer may pay such indemnity, up to an amount not exceeding $ …. (insert an amount which shall not exceed $1,000), to any relative by blood or connection by marriage of the insured or beneficiary who is deemed by the insurer to be equitably entitled thereto. Any payment made by the insurer in good faith pursuant to this provision shall fully discharge the insurer to the extent of such payment." (b) "Subject to any written direction of the insured in the application or otherwise all or a portion of any indemnities provided by this policy on account of hospital, nursing, medical or surgical services may, at the insurer’s option and unless the insured requests otherwise in writing not later than the time of filing proofs of such loss, be paid directly to the hospital or person rendering such services; but it is not required that the service be rendered by a particular hospital or person."  History: [41-2113, added 1961, ch. 330, sec. 502, p. 645.]
ID Code § 41-2114 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 21 - DISABILITY INSURANCE POLICIES|Section 41-2114 - PHYSICAL EXAMINATION — AUTOPSY.

41-2114. PHYSICAL EXAMINATION — AUTOPSY. There shall be a provision as follows: "Physical Examinations and Autopsy: The insurer at its own expense shall have the right and opportunity to examine the person of the insured when and as often as it may reasonably require during the pendency of a claim hereunder and to make an autopsy in case of death where it is not forbidden by law."  History: [41-2114, added 1961, ch. 330, sec. 503, p. 645.]
ID Code § 41-2115 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 21 - DISABILITY INSURANCE POLICIES|Section 41-2115 - LEGAL ACTIONS.

41-2115. LEGAL ACTIONS. There shall be a provision as follows: "Legal Actions: No action at law or in equity shall be brought to recover on this policy prior to the expiration of sixty days after written proof of loss has been furnished in accordance with the requirements of this policy. No such action shall be brought after the expiration of three years after the time written proof of loss is required to be furnished."  History: [41-2115, added 1961, ch. 330, sec. 504, p. 645.]
ID Code § 41-2116 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 21 - DISABILITY INSURANCE POLICIES|Section 41-2116 - CHANGE OF BENEFICIARY.

41-2116. CHANGE OF BENEFICIARY. (1) There shall be a provision as follows: "Change of Beneficiary: Unless the insured makes an irrevocable designation of beneficiary, the right to change the beneficiary is reserved to the insured and the consent of the beneficiary or beneficiaries shall not be requisite to surrender or assignment of this policy or to any change of beneficiary or beneficiaries, or to any other changes in this policy." (2) The first clause of this provision, relating to the irrevocable designation of beneficiary, may be omitted at the insurer’s option.  History: [41-2116, added 1961, ch. 330, sec. 505, p. 645.]
ID Code § 41-2117 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 21 - DISABILITY INSURANCE POLICIES|Section 41-2117 - OPTIONAL POLICY PROVISIONS.

41-2117. OPTIONAL POLICY PROVISIONS. Except as provided in section 41-2104(2), no such policy delivered or issued for delivery to any person in this state shall contain provisions respecting the matters set forth in sections 41-2118 to 41-2127, inclusive, of this chapter unless such provisions are in the words in which the same appear in the applicable section, except that the insurer may, at its option, use in lieu of any such provision a corresponding provision of different wording approved by the director which is not less favorable in any respect to the insured or the beneficiary. Any such provision contained in the policy shall be preceded individually by the appropriate caption or, at the option of the insurer, by such appropriate individual or group captions or subcaptions as the director may approve.  History: [41-2117, added 1961, ch. 330, sec. 506, p. 645.]
ID Code § 41-2118 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 21 - DISABILITY INSURANCE POLICIES|Section 41-2118 - CHANGE OF OCCUPATION.

41-2118. CHANGE OF OCCUPATION. There may be a provision as follows: "Change of Occupation: If the insured be injured or contract sickness after having changed his occupation to one classified by the insurer as more hazardous than that stated in this policy or while doing for compensation anything pertaining to an occupation so classified, the insurer will pay only such portion of the indemnities provided in this policy as the premium paid would have purchased at the rates and within the limits fixed by the insurer for such more hazardous occupation. If the insured changes his occupation to one classified by the insurer as less hazardous than that stated in this policy, the insurer, upon receipt of proof of such change of occupation, will reduce the premium rate accordingly, and will return the excess pro rata unearned premium from the date of change of occupation or from the policy anniversary date immediately preceding receipt of such proof, whichever is the more recent. In applying this provision, the classification of occupational risk and the premium rates shall be such as have been last filed by the insurer prior to the occurrence of the loss for which the insurer is liable or prior to date of proof of change in occupation with the state official having supervision of insurance in the state where the insured resided at the time this policy was issued; but if such filing was not required, then the classification of occupational risk and the premium rates shall be those last made effective by the insurer in such state prior to the occurrence of the loss or prior to the date of proof of change in occupation."  History: [41-2118, added 1961, ch. 330, sec. 507, p. 645.]
ID Code § 41-2119 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 21 - DISABILITY INSURANCE POLICIES|Section 41-2119 - MISSTATEMENT OF AGE.

41-2119. MISSTATEMENT OF AGE. There may be a provision as follows: "Misstatement of Age: If the age of the insured has been misstated, all amounts payable under this policy shall be such as the premium paid would have purchased at the correct age."  History: [41-2119, added 1961, ch. 330, sec. 508, p. 645.]
ID Code § 41-2123 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 21 - DISABILITY INSURANCE POLICIES|Section 41-2123 - RELATION OF EARNINGS TO INSURANCE.

41-2123. RELATION OF EARNINGS TO INSURANCE. (1) There may be a provision as follows: "Relation of Earnings to Insurance: If the total monthly amount of loss of time benefits promised for the same loss under all valid loss of time coverage upon the insured, whether payable on a weekly or monthly basis, shall exceed the monthly earnings of the insured at the time disability commenced or his average monthly earnings for the period of two years immediately preceding disability for which claim is made, whichever is the greater, the insurer will be liable only for such proportionate amount of such benefits under this policy as the amount of such monthly earnings or such average monthly earnings of the insured bears to the total amount of monthly benefits for the same loss under all such coverage upon the insured at the time such disability commences and for the return of such part of the premiums paid during such two years as shall exceed the pro rata amount of the premiums for the benefits actually paid hereunder; but this shall not operate to reduce the total monthly amount of benefits payable under all such coverage upon the insured below the sum of $200 or the sum of the monthly benefits specified in such coverages, whichever is the lesser, nor shall it operate to reduce benefits other than those payable for loss of time." (2) The foregoing policy provision may be inserted only in a policy which the insured has the right to continue in force subject to its terms by the timely payment of premiums (a) until at least age fifty (50), or (b) in the case of a policy issued after age forty-four (44), for at least five (5) years from its date of issue. The insurer may, at its option, include in this provision a definition of "valid loss of time coverage", approved as to form by the director, which definition shall be limited in subject matter to coverage provided by governmental agencies or by organizations subject to regulation by insurance law or by insurance authorities of this or any other state of the United States or any province of Canada, or to any other coverage the inclusion of which may be approved by the director or any combination of such coverages. In the absence of such definition such term shall not include any coverage provided for such insured pursuant to any compulsory benefit statute (including any workmen’s compensation or employer’s liability statute), or benefits provided by union welfare plans or by employer or employee benefit organizations.  History: [41-2123, added 1961, ch. 330, sec. 512, p. 645.]
ID Code § 41-2124 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 21 - DISABILITY INSURANCE POLICIES|Section 41-2124 - UNPAID PREMIUMS.

41-2124. UNPAID PREMIUMS. There may be a provision as follows: "Unpaid Premiums: Upon the payment of a claim under this policy, any premium then due and unpaid or covered by any note or written order may be deducted therefrom."  History: [41-2124, added 1961, ch. 330, sec. 513, p. 645.]
ID Code § 41-2125 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 21 - DISABILITY INSURANCE POLICIES|Section 41-2125 - CONFORMITY WITH STATE STATUTES.

41-2125. CONFORMITY WITH STATE STATUTES. There may be a provision as follows: "Conformity with State Statutes: Any provision of this policy which, on its effective date is in conflict with the statutes of the state in which the insured resides on such date is hereby amended to conform to the minimum requirements of such statutes."  History: [41-2125, added 1961, ch. 330, sec. 514, p. 645.]
ID Code § 41-2126 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 21 - DISABILITY INSURANCE POLICIES|Section 41-2126 - ILLEGAL OCCUPATION.

41-2126. ILLEGAL OCCUPATION. There may be a provision as follows: "Illegal Occupation: The insurer shall not be liable for any loss to which a contributing cause was the insured’s commission of or attempt to commit a felony or to which a contributing cause was the insured’s being engaged in an illegal occupation."  History: [41-2126, added 1961, ch. 330, sec. 515, p. 645.]
ID Code § 41-2127 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 21 - DISABILITY INSURANCE POLICIES|Section 41-2127 - INTOXICANTS AND NARCOTICS.

41-2127. INTOXICANTS AND NARCOTICS. There may be a provision as follows: "Intoxicants and Narcotics: The insurer shall not be liable for any loss sustained or contracted in consequence of the insured’s being intoxicated or under the influence of any narcotic unless administered on the advice of a physician."  History: [41-2127, added 1961, ch. 330, sec. 516, p. 645.]
ID Code § 41-2128 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 21 - DISABILITY INSURANCE POLICIES|Section 41-2128 - RENEWABILITY.

41-2128. RENEWABILITY. Disability insurance policies, other than accident insurance only policies, in which the insurer reserves the right to refuse renewal on an individual basis, shall provide in substance in a provision thereof or in an endorsement thereon or rider attached thereto that subject to the right to terminate the policy upon nonpayment of premium when due, such right to refuse renewal may not be exercised so as to take effect before the renewal date occurring on, or after and nearest, each policy anniversary (or in the case of lapse and reinstatement, at the renewal date occurring on, or after and nearest, each anniversary of the last reinstatement), and that any refusal of renewal shall be without prejudice to any claim originating while the policy is in force. (The parenthetic reference to lapse and reinstatement may be omitted at the insurer’s option.)  History: [41-2128, added 1961, ch. 330, sec. 517, p. 645.]
ID Code § 41-2129 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 21 - DISABILITY INSURANCE POLICIES|Section 41-2129 - ORDER OF CERTAIN PROVISIONS.

41-2129. ORDER OF CERTAIN PROVISIONS. The provisions which are the subject of sections 41-2105 to 41-2127, inclusive, of this chapter, or any corresponding provisions which are used in lieu thereof in accordance with such sections, shall be printed in the consecutive order of the provisions in such sections or, at the option of the insurer, any such provision may appear as a unit in any part of the policy, with other provisions to which it may be logically related, provided that the resulting policy shall not be in whole or in part unintelligible, uncertain, ambiguous, abstruse, or likely to mislead a person to whom the policy is offered, delivered or issued.  History: [41-2129, added 1961, ch. 330, sec. 518, p. 645.]
ID Code § 41-2130 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 21 - DISABILITY INSURANCE POLICIES|Section 41-2130 - THIRD PARTY OWNERSHIP.

41-2130. THIRD PARTY OWNERSHIP. The word "insured", as used in this chapter, shall not be construed as preventing a person other than the insured with a proper insurable interest from making application for and owning a policy covering the insured or from being entitled under such a policy to any indemnities, benefits, and rights provided therein.  History: [41-2130, added 1961, ch. 330, sec. 519, p. 645.]
ID Code § 41-2131 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 21 - DISABILITY INSURANCE POLICIES|Section 41-2131 - REQUIREMENTS OF OTHER JURISDICTIONS.

41-2131. REQUIREMENTS OF OTHER JURISDICTIONS. (1) Any policy of a foreign or alien insurer, when delivered or issued for delivery to any person in this state, may contain any provision which is not less favorable to the insured or the beneficiary than the provisions of this chapter and which is prescribed or required by the law of the state or country under which the insurer is organized. (2) Any policy of a domestic insurer may, when issued for delivery in any other state or country, contain any provision permitted or required by the laws of such other state or country.  History: [41-2131, added 1961, ch. 330, sec. 520, p. 645.]
ID Code § 41-2132 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 21 - DISABILITY INSURANCE POLICIES|Section 41-2132 - POLICIES ISSUED FOR DELIVERY IN ANOTHER STATE.

41-2132. POLICIES ISSUED FOR DELIVERY IN ANOTHER STATE. If any policy is issued by a domestic insurer for delivery to a person residing in another state, and if the insurance director or corresponding public official of such other state has informed the director that any such policy is not subject to approval or disapproval by such official, the director may by ruling require that the policy meet the standards set forth in section 41-2103 and in sections 41-2104 to 41-2131, inclusive.  History: [41-2132, added 1961, ch. 330, sec. 521, p. 645.]
ID Code § 41-2133 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 21 - DISABILITY INSURANCE POLICIES|Section 41-2133 - CONFORMING TO STATUTE.

41-2133. CONFORMING TO STATUTE. (1) No policy provision which is not subject to this chapter shall make a policy, or any portion thereof, less favorable in any respect to the insured or the beneficiary than the provisions thereof which are subject to this chapter. (2) A policy delivered or issued for delivery to any person in this state in violation of this chapter shall be held valid but shall be construed as provided in this chapter. When any provision in a policy subject to this chapter is in conflict with any provision of this chapter, the rights, duties, and obligations of the insurer, the insured and the beneficiary shall be governed by the provisions of this chapter.  History: [41-2133, added 1961, ch. 330, sec. 522, p. 645.]
ID Code § 41-2134 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 21 - DISABILITY INSURANCE POLICIES|Section 41-2134 - AGE LIMIT.

41-2134. AGE LIMIT. If any such policy contains a provision establishing, as an age limit or otherwise, a date after which the coverage provided by the policy will not be effective, and if such date falls within a period for which premium is accepted by the insurer or if the insurer accepts a premium after such date, the coverage provided by the policy will continue in force subject to any right of cancellation until the end of the period for which premium has been accepted. In the event the age of the insured has been misstated and if, according to the correct age of the insured, the coverage provided by the policy would not have become effective, or would have ceased prior to the acceptance of such premium or premiums, then the liability of the insurer shall be limited to the refund, upon request, of all premiums paid for the period not covered by the policy.  History: [41-2134, added 1961, ch. 330, sec. 523, p. 645.]
ID Code § 41-2135 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 21 - DISABILITY INSURANCE POLICIES|Section 41-2135 - PROHIBITED POLICY PLANS — PROVISIONS.

41-2135. PROHIBITED POLICY PLANS — PROVISIONS. No insurer shall hereafter deliver or issue for delivery in this state any disability insurance policy: (1) Providing benefits or values for surviving or continuing policyholders contingent upon the lapse or termination of the policies of other policyholders whether by death or otherwise. (2) Containing any clause, provision or agreement providing a premium, deposit or other payment for, or promising the distribution of, any bonus, special fund, or guaranteed payment other than the insurance benefits specified in the policy. This restriction shall not be construed to apply to the payment of dividends to the holders of participating policies.  History: [41-2135, added 1961, ch. 330, sec. 524, p. 645.]
ID Code § 41-2136 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 21 - DISABILITY INSURANCE POLICIES|Section 41-2136 - FILING OF RATES.

41-2136. FILING OF RATES. Each insurer issuing disability insurance policies for delivery in this state shall, before use thereof, file with the director its premium rates and classification of risks pertaining to such policies. The insurer shall adhere to its rates and classifications as filed with the director. The insurer may change such filings from time to time as it deems proper. This section shall not apply to the premium rates or classifications of risks for policies subject to chapter 47 or 52, title 41, Idaho Code.  History: [41-2136, added 1961, ch. 330, sec. 525, p. 645; am. 1995, ch. 360, sec. 1, p. 1236.]
ID Code § 41-2137 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 21 - DISABILITY INSURANCE POLICIES|Section 41-2137 - FRANCHISE DISABILITY INSURANCE LAW.

41-2137. FRANCHISE DISABILITY INSURANCE LAW. Disability insurance on a franchise plan is hereby declared to be that form of disability insurance issued to: (1) Four (4) or more employees of any corporation, copartnership, or individual employer or any governmental corporation, agency or department thereof; or (2) Ten (10) or more members, employees or employees of members of any trade or professional association or of a labor union or of any other association having had an active existence for at least two years where such association or union has a constitution or by-laws and is formed in good faith for purposes other than that of obtaining insurance; where such persons with or without their dependents, are issued the same form of an individual policy varying only as to amounts and kinds of coverage applied for by such persons under an arrangement whereby the premiums on such policies may be paid to the insurer periodically by the employer, with or without payroll deductions, or by the association or union for its members, or by some designated person acting on behalf of such employer or association or union. The term "employees" as used herein may be deemed to include the officers, managers and employees and retired employees of the employer and the individual proprietor or partnership.  History: [41-2137, added 1961, ch. 330, sec. 526, p. 645.]
ID Code § 41-2138 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 21 - DISABILITY INSURANCE POLICIES|Section 41-2138 - HEALTH INSURANCE — TEN-DAY FREE EXAMINATION.

41-2138. HEALTH INSURANCE — TEN-DAY FREE EXAMINATION. (1) Except as to nonrenewable accident policies and individual credit health insurance policies, every individual health insurance policy shall contain a provision therein or in a separate rider attached thereto when delivered, stating in substance that the person to whom the policy is issued shall be permitted to return the policy within ten (10) days of its delivery to such person and to have a refund of the premium paid if after examination of the policy the purchaser is not satisfied with it for any reason. The provision shall be set forth in the policy under appropriate caption, and if not so printed on the face page of the policy adequate notice of the provision shall be printed or stamped conspicuously on the face page. (2) The policy may be so returned to the insurer at its home or branch office or to the agent through whom it was applied for, and thereupon shall be void as from the beginning and as if the policy had not been issued.  History: [I.C., sec. 41-2138, as added by 1969, ch. 214, sec. 58, p. 625.]