reglab/housing_qa huggingface dataset:
NC Gen Stat § 58-51-125 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 51 - Nature of Policies.|§ 58-51-125 - Adopted child coverage.

 58-51-125. Adopted child coverage.(a) Definitions. - As used in this section:(1) "Child" means, in connection with any adoption or placement for adoption of the child, an individual who has not attained 18 years of age as of the date of the adoption or placement for adoption.(2) "Placement for adoption" means the assumption and retention by a person of a legal obligation for total or partial support of a child in anticipation of the adoption of the child. The child's placement with a person terminates upon the termination of such legal obligations.(b) Coverage Effective Upon Placement for Adoption. - If a health benefit plan provides coverage for dependent children of persons covered by the plan, the plan shall provide benefits to dependent children placed with covered persons for adoption under the same terms and conditions that apply to the natural, dependent children of covered persons, irrespective of whether the adoption has become final.(c) Restrictions Based on Preexisting Conditions at Time of Placement for Adoption Prohibited. - A health benefit plan may not restrict coverage under the plan of any dependent child adopted by a covered person, or placed with a covered person for adoption, solely on the basis of any preexisting condition of the child at the time that the child would otherwise become eligible for coverage under the plan, if the adoption or placement for adoption occurs while the covered person is eligible for coverage under the plan. (1993 (Reg. Sess., 1994), c. 644, s. 1.)
NC Gen Stat § 58-52-1 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 52 - Joint Action to Insure Elderly.|§ 58-52-1 - Definitions.

 58-52-1. Definitions.Wherever used in this Article, the following terms shall have the respective meanings hereinafter set forth or indicated, unless the context otherwise requires:(1) "Association" means a voluntary unincorporated association formed for the sole purpose of enabling joint and cooperative action to provide accident and health insurance in accordance with this Article in this or any other State having legislation enabling the issuance of insurance of the type provided in this Article.(2) "Insurer" means any insurance company which is authorized under Articles 1 through 64 of this Chapter to transact accident and health insurance business in this State. (1963, c. 1125.)
NC Gen Stat § 58-52-5 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 52 - Joint Action to Insure Elderly.|§ 58-52-5 - Joint action to insure persons 65 years of age or over and their spouses permitted; associations of insurers; individual and group policies.

 58-52-5. Joint action to insure persons 65 years of age or over and their spouses permitted; associations of insurers; individual and group policies.Notwithstanding any other provisions of Articles 1 through 64 of this Chapter or any other law which may be inconsistent herewith, any insurer may join with one or more other insurers to plan, develop, underwrite, offer, sell and provide to or for any resident person of this State, or of another state if permitted by the laws of such other state, who is 65 years of age or over and to the spouse of such person, insurance against financial loss from accident or sickness, or both. Such insurance may also cover an employer's nonresident employees and nonresident retired employees 65 years of age or older and their spouses, provided such employees are regularly employed within this State or were so employed at the time of their retirement. Such insurance may be offered, issued and administered through an association of two or more insurers which association is formed for the purpose of offering, selling, issuing and administering such insurance, and may be in the form of a policy insuring a resident who is 65 years of age or older, and the spouse of such resident, if any, or in the form of a group policy insuring residents 65 years of age or older and the spouses of such residents, or in both forms. On such insurance each insurer shall be severally liable for a percentage of the risks determined under the articles of association of the association. The insurer members of such association may agree with respect to premium rates, policy provisions, commission rates and other matters within the scope of this Article. (1963, c. 1125; 1965, c. 677; 1991, c. 720, s. 72.)
NC Gen Stat § 58-52-10 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 52 - Joint Action to Insure Elderly.|§ 58-52-10 - Regional plans authorized.

 58-52-10. Regional plans authorized.If "over 65" accident and health insurance plans exist or hereafter come into existence in other states pursuant to legislative authority similar to that herein given, North Carolina insurers may jointly participate with insurers of such other states in forming a regional plan to carry out the purposes of this Article. Any association formed for the operation of a regional plan shall be exempt from the provisions of G.S. 58-3-85 and may engage in business in North Carolina through its insurer members only, without being separately licensed. (1963, c. 1125.)
NC Gen Stat § 58-52-15 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 52 - Joint Action to Insure Elderly.|§ 58-52-15 - Forms and rate manuals subject to § 58-51-1; disapproval of rates.

 58-52-15. Forms and rate manuals subject to 58-51-1; disapproval of rates.The forms of the policies, applications, certificates or other evidence of insurance coverage and the rate manual showing rates, rules and classification of risks applicable thereto shall be subject to the applicable provisions of G.S. 58-51-1. The Commissioner may disapprove the premium rates for such insurance, or any class thereof, if he finds that such rates are by reasonable assumptions excessive in relation to the benefits provided. In determining whether such rates by reasonable assumptions are excessive in relation to the benefits provided, the Commissioner shall give due consideration to past and prospective claim experience on such insurance, or other comparable insurance, within and outside this State, and to fluctuations in such claim experience, to a reasonable risk charge, to contribution to surplus and contingency funds, to past and prospective expenses, both within and outside this State, and to all other relevant factors within and outside this State, including any differing operating methods of the insurers joining in the issue of such insurance. In the event of any such disapproval, the decision of the Commissioner shall be subject to review under G.S. 58-2-75. In exercising the powers conferred by this section, the Commissioner shall not be bound by any other requirements of Articles 1 through 64 of this Chapter with respect to standard provisions required to be included in the forms of the policies, applications, certificates or other evidence of insurance coverage filed with the Commissioner. (1963, c. 1125.)
NC Gen Stat § 58-52-20 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 52 - Joint Action to Insure Elderly.|§ 58-52-20 - Organization of associations of insurers; powers; annual statements; mutual insurers may participate.

 58-52-20. Organization of associations of insurers; powers; annual statements; mutual insurers may participate.An association formed for the purposes of this Article shall adopt articles of association for the organization, administration and regulation of its affairs, which articles of association and any amendments thereto shall be filed within 30 days of adoption of same with the Commissioner. Such association may establish requirements for membership of insurers, hold title to property, incur expenses for advertising, soliciting and administering such insurance, including payment of salary or compensation to persons employed by it, enter into contracts, limit the liability of and among its members, and shall be subject to the provisions of G.S. 1-69.1.Such association shall file annually with the Commissioner, on such date and in such form as the Commissioner may prescribe, a statement with respect to its operations.For the purpose of implementing joint action of insurers in furnishing accident and health insurance coverage to persons 65 years of age and older and their spouses, in accordance with the intent of this Article as expressed herein, insurers operating on a mutual plan, or on any other membership basis, may participate in such a plan, and the persons insured through the plan shall not be entitled to membership in any such insurer nor shall they be entitled to any dividend rights, voting rights, or any other rights peculiar to mutual insurance policyholders and participants in membership insurance plans. (1963, c. 1125; 1991, c. 720, s. 4.)
NC Gen Stat § 58-52-25 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 52 - Joint Action to Insure Elderly.|§ 58-52-25 - No additional licensing required.

 58-52-25. No additional licensing required.Accident and health insurance authorized by this Article and offered by or through an association formed for the purpose of this Article may be solicited and offered directly by such association, any insurer member of such association, and by or through any person authorized by the Department to sell accident and health insurance in this State, without any additional license being required. (1963, c. 1125; 1991, c. 720, s. 60.)
NC Gen Stat § 58-53-1 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 53 - Group Health Insurance Continuation and Conversion Privileges.|§ 58-53-1 - Definitions.

 58-53-1. Definitions.As used in this Article, the following terms have the meanings specified:(1) "Group policy" means a group accident and health insurance policy issued by an insurance company and a group contract issued by a service corporation or health maintenance organization or similar corporation or organization.(2) "Individual policy" or "converted policy" means an individual health insurance policy issued by an insurance company or an individual contract issued by a service corporation or health maintenance organization or similar corporation or organization.(3) "Insurance" and "insured" refer to coverage under a group policy, individual policy or converted policy on a premium-paying basis, and do not include coverage provided by reason of a disability extension.(4) "Insurer" means the entity issuing a group policy or an individual or converted policy.(5) "Medicare" means Title XVIII of the United States Social Security Act as added by the Social Security Amendments of 1965 or as later amended or superseded.(5a) "Member" or "employee" includes an insured spouse or dependent of a member or of an employee.(6) "Premium" includes any premium or other consideration payable for coverage under a group or individual policy.(7) "Reasonable and customary" means the most frequently used level of charge made for the supplies or for a specific service in the geographic subarea in which such supplies or services are received, of like kind or by physicians, or other practitioners, with similar qualifications. (1981, c. 706, s. 1; 1983, c. 142, s. 1; 1997-259, s. 10.)
NC Gen Stat § 58-53-5 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 53 - Group Health Insurance Continuation and Conversion Privileges.|§ 58-53-5 - Continuation of group hospital, surgical, and major medical coverage after termination of employment or membership.

 58-53-5. Continuation of group hospital, surgical, and major medical coverage after termination of employment or membership.A group policy delivered or issued for delivery in this State that insures employees or members for hospital, surgical or major medical insurance on an expense incurred or service basis under this Chapter, other than for specific diseases or for accidental injuries only, shall provide that employees or members whose coverage under the group policy would otherwise terminate because of termination of active employment or membership, or termination of membership in the eligible class or classes under the policy, shall be entitled to continue their hospital, surgical, and medical insurance under that group policy, for themselves and their eligible spouses and dependents with respect to whom they were insured on the date of termination, subject to all of the group policy's terms and conditions and to the conditions specified in this Part. Provided, the terms and conditions set forth in this Part are intended as minimum requirements and shall not be construed to impose additional or different requirements upon those group hospital, surgical, or major medical plans that provide continuation benefits equal to or better than those required in this Part. (1981, c. 706, s. 1; 1997-259, s. 11.)
NC Gen Stat § 58-53-10 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 53 - Group Health Insurance Continuation and Conversion Privileges.|§ 58-53-10 - Eligibility.

 58-53-10. Eligibility.Continuation shall only be available to an employee or member who has been continuously insured under the group policy, or for similar benefits under any other group policy that it replaced, during the period of three consecutive months immediately before the date of termination. The employee or member may elect continuation for a period of not fewer than 60 days after the date of termination or loss of eligibility. The employee or member shall make the first contribution upon the election to continue coverage, and the coverage shall be retroactive to the date of termination or loss of eligibility. (1981, c. 706, s. 1; 2001-334, s. 7.1.)
NC Gen Stat § 58-53-15 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 53 - Group Health Insurance Continuation and Conversion Privileges.|§ 58-53-15 - Exception.

 58-53-15. Exception.Continuation shall not be available for any person who is or could be covered by any other arrangement of hospital, surgical, or medical coverage for individuals in a group, whether insured or uninsured, within 31 days immediately following the date of termination; or whose insurance terminated because he failed to pay any required contribution for the insurance. (1981, c. 706, s. 1.)
NC Gen Stat § 58-53-20 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 53 - Group Health Insurance Continuation and Conversion Privileges.|§ 58-53-20 - Benefits not included.

 58-53-20. Benefits not included.Continuation is not required to include dental, vision care, or prescription drug benefits, or any other benefits provided under the group policy in addition to its hospital, surgical, or major medical benefits. (1981, c. 706, s. 1.)
NC Gen Stat § 58-53-25 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 53 - Group Health Insurance Continuation and Conversion Privileges.|§ 58-53-25 - Notification to employee.

 58-53-25. Notification to employee.In addition to the notification requirement set forth in G.S. 58-53-40, notification may be included on insurance identification cards or may be given by the employer, orally or in writing as a part of the exit process from the employment. (1981, c. 706, s. 1.)
NC Gen Stat § 58-53-30 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 53 - Group Health Insurance Continuation and Conversion Privileges.|§ 58-53-30 - Payment of premiums.

 58-53-30. Payment of premiums.An employee or member electing continuation must pay to the group policyholder or his employer, in advance, the amount of contribution required by the policyholder or employer, but not more than one hundred two percent (102%) of the full group rate for the insurance applicable under the group policy on the due date of each payment. The employee or member may not be required to pay the amount of the contribution less often than monthly. In order to be eligible for continuation of coverage, the employee or member must make a written election of continuation, on a form furnished by the group policyholder or by the insurer. (1981, c. 706, s. 1; 1999-273, s. 1; 2001-334, s. 7.2.)
NC Gen Stat § 58-53-35 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 53 - Group Health Insurance Continuation and Conversion Privileges.|§ 58-53-35 - Termination of continuation.

 58-53-35. Termination of continuation.(a) Continuation of insurance under the group policy for any person shall terminate on the earliest of the following dates:(1) The date 18 months after the date the employee's or member's insurance under the policy would otherwise have terminated because of termination of employment or members;(2) The date ending the period for which the employee or member last makes his required contribution, if he discontinues his contributions;(3) The date the employee or member becomes or is eligible to become covered for similar benefits under any arrangement of coverage for individuals in a group, whether insured or uninsured;(4) The date on which the group policy is terminated or, in the case of a multiple employer plan, the date his employer terminates participation under the group master policy. When this occurs the employee or member shall have the privilege described in G.S. 58-53-45 if the date of termination precedes that on which his actual continuation of insurance under that policy would have terminated. The insurer that insured the group before the date of termination shall make a converted policy available to the employee or member.(b) Notwithstanding subdivision (a)(4) of this section, if the employer replaces the group policy with another group policy, the employee is entitled to continue under the successor group policy for any unexpired period of continuation to which the employee is entitled. (1981, c. 706, s. 1; 1983, c. 142, s. 2; 1993, c. 529, s. 3.8; 1997-259, s. 12.)
NC Gen Stat § 58-53-40 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 53 - Group Health Insurance Continuation and Conversion Privileges.|§ 58-53-40 - Notification.

 58-53-40. Notification.A notification of the continuation privilege shall be included in each individual certification of coverage. (1981, c. 706, s. 1.)
NC Gen Stat § 58-53-41 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 53 - Group Health Insurance Continuation and Conversion Privileges.|§ 58-53-41 - Extension of election period and effect on coverage.

 58-53-41. Extension of election period and effect on coverage.(a) Definitions. - As used in this section, the following terms have the meanings specified:(1) "Act" means the federal American Recovery and Reinvestment Act of 2009, P.L. 111-5, effective February 17, 2009.(2) "Assistance eligible individual" has the same meaning as found in section 3001 of the Act.(b) An employee or member who does not have an election of continuation coverage, as described in this Part, in effect on June 8, 2009, but who would be an assistance eligible individual under Title III of the Act if that election were in effect, may elect continuation coverage pursuant to the Part. The election shall be made no later than 60 days after the date the administrator of the group policy subject to this Part (or other entity involved) provides the notice required by section 3001(a)(7) of the Act. The administrator of the group policy subject to this Part (or other entity involved) shall provide such individuals with additional notice of the right to elect coverage pursuant to this section within 60 days after June 8, 2009.(c) Continuation of coverage elected pursuant to subsection (b) of this section shall commence with the first period of coverage beginning on or after June 8, 2009, and shall not extend beyond the period of continuation coverage that would have been required under G.S. 58-53-35 if the coverage had instead been elected pursuant to G.S. 58-53-10.(d) With respect to any individual electing continuation coverage pursuant to this section, the period beginning on the date of the qualifying event and ending on the date of the first period of coverage on or after June 8, 2009, shall be disregarded for purposes of determining the 63-day period referred to in G.S. 58-68-30(c)(2)a. and G.S. 58-51-17(a)(2)a.  (2009-62, s. 1.)
NC Gen Stat § 58-53-45 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 53 - Group Health Insurance Continuation and Conversion Privileges.|§ 58-53-45 - Right to obtain individual policy upon termination of group hospital, surgical or major medical coverage.

 58-53-45. Right to obtain individual policy upon termination of group hospital, surgical or major medical coverage.A group policy delivered or issued for delivery in this State that insures employees or members for hospital, surgical, or medical insurance on an expense incurred or service basis under Articles 1 through 67 of this Chapter other than for specific diseases or for accidental injuries only, shall provide that an employee or member whose insurance under the group policy has been terminated shall be entitled to have a converted policy issued to him by the insurer under whose group policy he was last insured, without evidence of insurability, subject to the terms and conditions specified in this Part. Provided, the terms and conditions set forth in this Part are intended as minimum requirements and shall not be construed to impose additional or different requirements upon those group hospital, surgical, or major medical plans already in force, or hereafter placed into effect, that provide conversion benefits equal to or better than those required in this Part. (1981, c. 706, s. 1.)
NC Gen Stat § 58-53-50 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 53 - Group Health Insurance Continuation and Conversion Privileges.|§ 58-53-50 - Restrictions.

 58-53-50. Restrictions.A converted policy shall not be available to an employee or member if termination of his insurance under the group policy occurred because:(1) Of termination of employment or membership and either he was not entitled to continuation of group coverage under Part 1 of this Article or failed to elect such continuation;(2) He failed to make timely payment of any required contribution for the cost of continuation of insurance;(3) He had not been continuously covered under the group policy or for similar benefits under any other group policy that it replaced during the period of three consecutive months immediately prior to termination of active employment ending with such termination;(4) The group policy terminated or an employer's participation terminated, and the insurance is replaced by similar coverage under another group policy within 31 days of date of termination; or(5) He failed to continue his insurance for the entire maximum period of 18 months following termination of active employment as provided for in Part 1 of this Article, unless that failure to continue was because of change of insurer by the employer and the change of insurer was consummated during the one year continuation period. In that event the employee or member shall be entitled to be issued a converted policy by the insurer that provided the group policy to the employer before the change of insurer. (1981, c. 706, s. 1; 1983, c. 142, s. 3; 1993 (Reg. Sess., 1994), c. 569, s. 9; 1997-259, s. 13.)