reglab/housing_qa huggingface dataset:
MI Comp L § 500.2213c (2021)
2021 Michigan Compiled Laws|Chapter 500 - Insurance Code of 1956|Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302)|218-1956-22 - Chapter 22 the Insurance Contract (500.2204...500.2266)|Section 500.2213c - Disability Income Insurer; Internal Grievance Procedure; Establishment; Contents; “Grievance” Defined.

500.2213c Disability income insurer; internal grievance procedure; establishment; contents; “grievance” defined. Sec. 2213c.  (1) Each disability income insurer shall establish an internal grievance procedure for persons covered under a disability income policy, certificate, or contract.  (2) An internal grievance procedure under subsection (1) shall include all of the following:  (a) Provide for a designated person responsible for administering the grievance procedure.  (b) Provide for a designated person or telephone number for receiving grievances.  (c) Ensure full investigation of a grievance.  (d) Provide for timely notification to the insured as to the progress of an investigation.  (e) Provide for the insured to have the right to have the grievance reviewed by a managerial-level person or group.  (f) Provide for notification to the insured of the results of the insurer's investigation and, if the insurer upholds its prior determination on the grievance, for advising the insured of his or her right to present the grievance to the commissioner for review.  (g) Provide that a final determination will be made in writing by the insurer not later than 45 calendar days after a grievance is submitted in writing by the insured unless the insurer requires an extension of time to obtain additional information to make a determination with respect to the subject of the grievance. The extension may not exceed 45 days from the end of the initial period unless the initial period is extended due to the insured's failure to submit information necessary to decide the claim on appeal. If the extension is due to an insured's failure to submit information, the period for making the determination shall be tolled until the date the insured responds to the request for additional information.  (h) Provide for copies of all grievances and responses to be available at the principal office of the insurer for inspection by the commissioner for 2 years following the year the grievance was filed.  (3) As used in this section, "grievance" means a written complaint by an insured concerning the payment of benefits under a disability income insurance policy. History: Add. 2002, Act 707, Imd. Eff. Dec. 30, 2002 Popular Name: Act 218
MI Comp L § 500.2214 (2021)
2021 Michigan Compiled Laws|Chapter 500 - Insurance Code of 1956|Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302)|218-1956-22 - Chapter 22 the Insurance Contract (500.2204...500.2266)|Section 500.2214 - Disability Insurance; Application, Use as Evidence.

500.2214 Disability insurance; application, use as evidence.Sec. 2214.  (1) An insured is not bound by a statement made in an application for a disability insurance policy unless the application is included in the policy when the policy is issued. For purposes of this subsection, an application is not included in a policy unless the policy specifically states that it includes the application.  (2) If a policy described in subsection (1) that was delivered or issued for delivery to a person in this state is reinstated or renewed and the insured or a beneficiary or assignee of the policy makes a written request to the insurer for a copy of any application for reinstatement or renewal, the insurer shall, within 15 days after receiving the request at the home office or a branch office of the insurer, deliver or mail to the person making the request a copy of the application. If the copy is not delivered or mailed as required by this subsection, the insurer is precluded from introducing the application as evidence in an action or proceeding based on or involving the policy or the reinstatement or renewal. History: 1956, Act 218, Eff. Jan. 1, 1957 ;-- Am. 2016, Act 276, Imd. Eff. July 1, 2016 Popular Name: Act 218
MI Comp L § 500.2216 (2021)
2021 Michigan Compiled Laws|Chapter 500 - Insurance Code of 1956|Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302)|218-1956-22 - Chapter 22 the Insurance Contract (500.2204...500.2266)|Section 500.2216 - Life or Disability Insurance; Alteration of Application.

500.2216 Life or disability insurance; alteration of application. Sec. 2216.  No alteration of any written application for any life or disability insurance policy shall be made by any person other than the applicant without his written consent, except that insertions may be made by the insurer, for administrative purposes only, in such manner as to indicate clearly that such insertions are not to be ascribed to the applicant. History: 1956, Act 218, Eff. Jan. 1, 1957 ;-- Am. 1957, Act 91, Eff. Sept. 27, 1957 Popular Name: Act 218
MI Comp L § 500.2218 (2021)
2021 Michigan Compiled Laws|Chapter 500 - Insurance Code of 1956|Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302)|218-1956-22 - Chapter 22 the Insurance Contract (500.2204...500.2266)|Section 500.2218 - Disability Insurance; False Statement in Application; Effect.

500.2218 Disability insurance; false statement in application; effect. Sec. 2218.  The falsity of any statement in the application for any disability insurance policy covered by chapter 34 of this code may not bar the right to recovery thereunder unless such false statement materially affected either the acceptance of the risk or the hazard assumed by the insurer.  (1) No misrepresentation shall avoid any contract of insurance or defeat recovery thereunder unless the misrepresentation was material. No misrepresentation shall be deemed material unless knowledge by the insurer of the facts misrepresented would have led to a refusal by the insurer to make the contract.  (2) A representation is a statement as to past or present fact, made to the insurer by or by the authority of the applicant for insurance or the prospective insured, at or before the making of the insurance contract as an inducement to the making thereof. A misrepresentation is a false representation, and the facts misrepresented are those facts which make the representation false.  (3) In determining the question of materiality, evidence of the practice of the insurer which made the contract with respect to the acceptance or rejection of similar risks shall be admissible.  (4) A misrepresentation that an applicant for life, accident or health insurance has not had previous medical treatment, consultation or observation, or has not had previous treatment or care in a hospital or other like institution, shall be deemed, for the purpose of determining its materiality, a misrepresentation that the applicant has not had the disease, ailment or other medical impairment for which such treatment or care was given or which was discovered by any licensed medical practitioner as a result of such consultation or observation. If in any action to rescind any contract or to recover thereon, any misrepresentation is proved by the insurer, and the insured or any other person having or claiming a right under the contract, shall prevent full disclosure and proof of the nature of the medical impairment, the misrepresentation shall be presumed to have been material. History: 1956, Act 218, Eff. Jan. 1, 1957 ;-- Am. 1957, Act 91, Eff. Sept. 27, 1957 Popular Name: Act 218
MI Comp L § 500.2220 (2021)
2021 Michigan Compiled Laws|Chapter 500 - Insurance Code of 1956|Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302)|218-1956-22 - Chapter 22 the Insurance Contract (500.2204...500.2266)|Section 500.2220 - Life Insurance; Solicitor as Agent of Insurer.

500.2220 Life insurance; solicitor as agent of insurer. Sec. 2220.  Any person who shall solicit an application for insurance upon the life of another shall, in any controversy between the insured or his beneficiary and the insurer issuing any policy upon such application, be regarded as the agent of the insurer and not the agent of the insured. History: 1956, Act 218, Eff. Jan. 1, 1957 Popular Name: Act 218
MI Comp L § 500.2226 (2021)
2021 Michigan Compiled Laws|Chapter 500 - Insurance Code of 1956|Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302)|218-1956-22 - Chapter 22 the Insurance Contract (500.2204...500.2266)|Section 500.2226 - Life Insurance; Benefits, Manner of Payment, Period, and Premiums to Be Contained in Policy.

500.2226 Life insurance; benefits, manner of payment, period, and premiums to be contained in policy. Sec. 2226.  (1) A life insurer shall not make with or issue to any citizen or resident of this state any contract of life insurance that does not distinctly state the amount of the life benefits, the manner of payment, the period of the continuance, and the amount of the annual, semi-annual, or quarterly premium, or by which the payment of the life benefit assured shall be contingent upon the payment of assessments made upon surviving members and shall be made in accordance with the statutes now or hereafter regulating the business of life insurance. For a universal or variable life insurance contract, the insurer shall clearly and specifically state the amount of benefits or manner in which the benefits are calculated.  (2) Every policy of life insurance hereafter issued or delivered within this state by any life insurer doing business within this state shall contain the entire contract between the parties and nothing shall be incorporated therein by reference to any constitution, bylaws, rules, application, or other writing unless the same are endorsed upon or attached to the policy when issued.  (3) For standard provisions required in life insurance contracts see chapters 40, 42, and 44.  History: 1956, Act 218, Eff. Jan. 1, 1955 ;-- Am. 1993, Act 349, Eff. Oct. 1, 1994 Popular Name: Act 218
MI Comp L § 500.2228 (2021)
2021 Michigan Compiled Laws|Chapter 500 - Insurance Code of 1956|Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302)|218-1956-22 - Chapter 22 the Insurance Contract (500.2204...500.2266)|Section 500.2228 - Automobile Insurance; Contents of Policy.

500.2228 Automobile insurance; contents of policy. Sec. 2228.  (1) No policy of insurance against fire, theft, property damage, collision, and/or liability in connection with automobile coverage shall be issued, unless the premium and amount of coverage is stated in the policy.  (2) For other provisions required in such policies, see chapter 30 of this code (casualty insurance contracts). History: 1956, Act 218, Eff. Jan. 1, 1957 Popular Name: Act 218
MI Comp L § 500.2230 (2021)
2021 Michigan Compiled Laws|Chapter 500 - Insurance Code of 1956|Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302)|218-1956-22 - Chapter 22 the Insurance Contract (500.2204...500.2266)|Section 500.2230 - Mutual Insurers Other Than Life; Contents of Policy.

500.2230 Mutual insurers other than life; contents of policy. Sec. 2230.  Mutual insurers, other than life insurers, may insert in any form of policy prescribed by the law of this state any provisions or conditions required by its plan of insurance, which are not inconsistent or in conflict with any law of this state. Such policy, in lieu of conforming to the language and form prescribed by such law, may conform thereto in substance, if such policy includes a provision or endorsement reciting that the policy shall be construed as if in the language and form prescribed by such law, and a copy of such policy and endorsement, if any, shall have been first filed with and shall not have been disapproved by the commissioner. History: 1956, Act 218, Eff. Jan. 1, 1957 Popular Name: Act 218
MI Comp L § 500.2232 (2021)
2021 Michigan Compiled Laws|Chapter 500 - Insurance Code of 1956|Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302)|218-1956-22 - Chapter 22 the Insurance Contract (500.2204...500.2266)|Section 500.2232 - Reciprocal Insurers; Contents of Policy.

500.2232 Reciprocal insurers; contents of policy. Sec. 2232.  A reciprocal insurer may insert in any form of policy prescribed by the law of this state any provisions or conditions required by its plan of insurance which are not inconsistent or in conflict with the law of this state. Such policy, in lieu of conforming to the language and form prescribed by such law, shall be held to conform thereto in substance if such policy includes a provision or endorsement reciting that the policy shall be construed as if in the language and form prescribed by such law. History: 1956, Act 218, Eff. Jan. 1, 1957 Popular Name: Act 218
MI Comp L § 500.2235 (2021)
2021 Michigan Compiled Laws|Chapter 500 - Insurance Code of 1956|Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302)|218-1956-22 - Chapter 22 the Insurance Contract (500.2204...500.2266)|Section 500.2235 - Written Notice to Insured Under Worker's Compensation Insurance Policy.

500.2235 Written notice to insured under worker's compensation insurance policy. Sec. 2235.  At least annually, in conjunction with a renewal notice, a bill, or other notice of payment due issued in connection with a policy of worker's compensation insurance, an insurer shall send to each insured a written notice containing all of the following statements:  (a) A description of the insured's right to all pertinent rating information within a reasonable time after making a written request and paying reasonable charges.  (b) A description of the procedures whereby an insured or an insured's representatives may request a review of the way in which the insured's rates and premiums have been determined, including a statement of the insured's right to appeal the result of the review to the commissioner.  (c) Relevant information regarding the right of an insured to obtain a payroll audit under section 2008.  (d) Relevant information regarding the right of an insured to request a conference with a management representative to review reserve or redemption decisions by the insurer under section 2419. History: Add. 1982, Act 7, Eff. Jan. 1, 1983 Popular Name: Act 218
MI Comp L § 500.2236a (2021)
2021 Michigan Compiled Laws|Chapter 500 - Insurance Code of 1956|Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302)|218-1956-22 - Chapter 22 the Insurance Contract (500.2204...500.2266)|Section 500.2236a - Interest Indexed Universal Life Insurance; Information to Be Maintained on File.

500.2236a Interest indexed universal life insurance; information to be maintained on file. Sec. 2236a.  All of the following information shall be maintained on file by the insurer for all interest indexed universal life insurance policies:  (a) A description of how the interest credits are determined, including all of the following:  (i) A description of the index.  (ii) The relationship between the value of the index and the actual interest rate to be credited.  (iii) The frequency and timing that determines the interest rate.  (iv) If more than 1 rate of interest applies to different portions of the policy value, the allocation of interest credits.  (b) The insurer's investment policy, which shall include a description of all of the following:  (i) How the insurer addresses the reinvestment risks.  (ii) How the insurer plans to address the risk of capital loss on cash outflows.  (iii) How the insurer plans to address the risk that appropriate investments may not be available or not available in sufficient quantities.   (iv) How the insurer plans to address the risk that the indexed interest rate may fall below the minimum contractual interest rate guaranteed in the policy.  (v) The amount and type of assets currently held for interest indexed policies.  (vi) The amount and type of assets expected to be acquired in the future.  (c) If a policy is linked to an index for a specified period less than the maturity date of the policy, a description of the method to be used to determine interest credits upon the expiration of the period.  (d) A description of any interest guarantee in addition to or in lieu of the index.  (e) A description of any maximum premium limitations and the conditions under which they apply.  History: Add. 1993, Act 349, Eff. Oct. 1, 1994 Popular Name: Act 218
MI Comp L § 500.2237 (2021)
2021 Michigan Compiled Laws|Chapter 500 - Insurance Code of 1956|Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302)|218-1956-22 - Chapter 22 the Insurance Contract (500.2204...500.2266)|Section 500.2237 - Policy Issued Under Chapter 34; Prohibited Restriction of Liability.

500.2237 Policy issued under chapter 34; prohibited restriction of liability.Sec. 2237.  An insurer shall not deliver in this state an insurance policy issued under chapter 34, or issue the policy for delivery in this state, if the policy contains a provision that restricts the liability of the insurer to pay expenses because the expenses are incurred while the insured is in a hospital, institution, or other facility operated by this state or a political subdivision of this state if the insured would be legally required to pay the expenses in the absence of insurance. History: Add. 1961, Act 133, Eff. Sept. 8, 1961 ;-- Am. 2016, Act 276, Imd. Eff. July 1, 2016 Popular Name: Act 218
MI Comp L § 500.2238 (2021)
2021 Michigan Compiled Laws|Chapter 500 - Insurance Code of 1956|Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302)|218-1956-22 - Chapter 22 the Insurance Contract (500.2204...500.2266)|Section 500.2238 - Repealed. 1970, Act 180, Imd. Eff. Aug. 3, 1970.

500.2238 Repealed. 1970, Act 180, Imd. Eff. Aug. 3, 1970. Compiler's Notes: The repealed section pertained to basic form of policy of insurance of personal property.Popular Name: Act 218
MI Comp L § 500.2239 (2021)
2021 Michigan Compiled Laws|Chapter 500 - Insurance Code of 1956|Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302)|218-1956-22 - Chapter 22 the Insurance Contract (500.2204...500.2266)|Section 500.2239 - Health Care Service Rendered by Dentist; Benefits or Reimbursement; “Dentist” Defined; Policies to Which Section Applicable.

500.2239 Health care service rendered by dentist; benefits or reimbursement; “dentist” defined; policies to which section applicable. Sec. 2239.  (1) If a group or individual hospital, medical, or expense incurred policy delivered, issued for delivery, or renewed in this state provides for benefits for a health care service, those benefits or reimbursement for the provision of the service shall not be denied because the service was rendered by a dentist, provided the service was legally performed.  (2) As used in this section, "dentist" means an individual licensed under part 166 of Act No. 368 of the Public Acts of 1978, being sections 333.16601 to 333.16647 of the Michigan Compiled Laws.  (3) This section shall apply only with respect to policies issued or renewed on or after the effective date of this section, and shall apply notwithstanding any policy provision to the contrary. History: Add. 1982, Act 291, Imd. Eff. Oct. 7, 1982 Popular Name: Act 218
MI Comp L § 500.2243 (2021)
2021 Michigan Compiled Laws|Chapter 500 - Insurance Code of 1956|Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302)|218-1956-22 - Chapter 22 the Insurance Contract (500.2204...500.2266)|Section 500.2243 - Group Policies; Optometric Service; Coverage.

500.2243 Group policies; optometric service; coverage. Sec. 2243.  (1) Notwithstanding any provision of a policy or contract of group accident, group health, or group accident and health insurance, executed after July 23, 1965, if the policy or contract provides for reimbursement for any optometric service that is within the lawful scope of practice of a duly licensed optometrist, a subscriber to such group accident, group health, or group accident and group health insurance policy or contract shall be entitled to reimbursement for such service, whether the service is performed by a physician or a duly licensed optometrist. Unless the policy or contract of group accident, group health, or group accident and health insurance otherwise provides, there shall be no reimbursement for ophthalmic materials, lenses, spectacles, eyeglasses, or appurtenances.  (2) If a subscriber contract provides for and offers optometric services, the subscriber shall have freedom of choice to select either a physician or an optometrist to render the services. Unless the subscriber contract otherwise provides, there shall be no reimbursement for ophthalmic materials, lenses, spectacles, eyeglasses, or appurtenances.  (3) This section does not require coverage or reimbursement for a practice of optometric service unless that service was included in the definition of practice of optometry under section 17401 of the public health code, Act No. 368 of the Public Acts of 1978, being section 333.17401 of the Michigan Compiled Laws, as of May 20, 1992. History: Add. 1965, Act 349, Imd. Eff. July 23, 1965 ;-- Am. 1994, Act 438, Eff. Mar. 30, 1995 Popular Name: Act 218
MI Comp L § 500.2246 (2021)
2021 Michigan Compiled Laws|Chapter 500 - Insurance Code of 1956|Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302)|218-1956-22 - Chapter 22 the Insurance Contract (500.2204...500.2266)|Section 500.2246 - Insured or Applicant for Life Insurance Policy as Victim of Domestic Violence; Refusal to Provide Coverage Prohibited; Exceptions; Liability; Applicability to Policies on or After June 1, 1998; “Domestic Violence” Defined.

500.2246 Insured or applicant for life insurance policy as victim of domestic violence; refusal to provide coverage prohibited; exceptions; liability; applicability to policies on or after June 1, 1998; “domestic violence” defined. Sec. 2246.  (1) A life insurer that delivers, issues for delivery, or renews in this state a life insurance policy shall not rate, cancel coverage on, refuse to provide coverage for, or refuse to issue or renew a policy solely because an insured or applicant for insurance is or has been a victim of domestic violence.  (2) This section does not prevent any of the following:  (a) An insurer from refusing to issue a life insurance policy insuring an individual who has been the victim of domestic violence if the individual who commits the domestic violence is the applicant for, prospective owner of, or beneficiary under the policy and 1 or more of the following apply:  (i) The applicant, prospective owner, or beneficiary under the policy is known on the basis of police or court records to have committed domestic violence.   (ii) The insurer knows of an arrest or conviction for a domestic violence related offense by the applicant for, prospective owner of, or beneficiary under the policy.  (iii) The insurer has reasonable grounds to believe that the applicant for, prospective owner of, or beneficiary under the policy is committing domestic violence.  (b) An insurer from inquiring about, underwriting, or charging a different premium on the basis of the individual's physical or mental condition, regardless of the cause of the condition.  (c) An insurer from refusing to issue a life insurance policy if the applicant for, prospective owner of, or beneficiary under the policy does not have an insurable interest in the life of the prospective insured individual.  (3) An insurer shall not be held civilly liable for any cause of action that may result from compliance with this section.  (4) This section applies to all life insurance policies issued or renewed on or after June 1, 1998.  (5) As used in this section, "domestic violence" means inflicting bodily injury, causing serious emotional injury or psychological trauma, or placing in fear of imminent physical harm by threat or force a person who is a spouse or former spouse of, has or has had a dating relationship with, resides or has resided with, or has a child in common with the person committing the violence. History: Add. 1998, Act 130, Imd. Eff. June 24, 1998 Popular Name: Act 218