reglab/housing_qa huggingface dataset:
Ohio Rev Code § 3923.33 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3923 | Sickness and Accident Insurance|Section 3923.33 | Medicare Supplement Policy Definitions.

Effective: June 4, 1997|Latest Legislation:  Senate Bill 67 - 122nd General Assembly|As used in section 3923.33 and sections 3923.331 to 3923.339 of the Revised Code:(A) "Applicant" means:(1) In the case of an individual medicare supplement policy, the person who seeks to contract for insurance benefits; and(2) In the case of a group medicare supplement policy, the proposed certificate holder.(B) "Certificate" means, for purposes of section 3923.33 and sections 3923.331 to 3923.339 of the Revised Code, any certificate delivered or issued for delivery in this state under a group medicare supplement policy.(C) "Certificate form" means the form on which the certificate is delivered or issued for delivery by the issuer.(D) "Direct response insurance policy" means a medicare supplement policy or certificate marketed without the direct involvement of an insurance agent.(E) "Issuer" includes insurance companies, fraternal benefit societies, health insuring corporations, and any other entities delivering or issuing for delivery in this state medicare supplement policies or certificates.(F) "Medicare" means the "Health Insurance for the Aged Act," Title XVIII of the Social Security Amendments of 1965, 79 Stat. 291, 42 U.S.C.A. 1395, as then constituted or later amended.(G) "Medicare supplement policy" means a group or individual policy of sickness and accident insurance or a subscriber contract of health insuring corporations or any other issuers, other than a policy issued pursuant to a contract under section 1876 of the "Social Security Act," 49 Stat. 620 (1935), 42 U.S.C.A., 1395mm, as amended, or an issued policy under any demonstration project specified in 42 U.S.C.A. 1395ss(g)(1), which is advertised, marketed, or designed primarily as a supplement to reimbursements under medicare for the hospital, medical, or surgical expenses of persons eligible for medicare.(H) "Policy form" means the form on which the policy is delivered or issued for delivery by the issuer.
Ohio Rev Code § 3923.331 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3923 | Sickness and Accident Insurance|Section 3923.331 | Statutes Applicable to Medicare Supplement Policies.

Effective: March 3, 1996|Latest Legislation:  House Bill 374 - 121st General Assembly|(A) Except as otherwise provided in the Revised Code, section 3923.33 and sections 3923.331 to 3923.339 of the Revised Code shall apply to:(1) All medicare supplement policies delivered or issued for delivery in this state on or after the effective date of this amendment; and(2) All certificates issued under group medicare supplement policies, which certificates are delivered or issued for delivery in this state on or after the effective date of this amendment.(B) Section 3923.33 and sections 3923.331 to 3923.339 of the Revised Code shall not apply to a policy of one or more employers or labor organizations, or of the trustees of a fund established by one or more employers or labor organizations, or a combination thereof, for employees or former employees, or a combination thereof, or for members or former members, or a combination thereof, of the labor organizations.(C) Except as otherwise provided in division (D) of section 3923.334 of the Revised Code, section 3923.33 and sections 3923.331 to 3923.339 of the Revised Code are not intended to prohibit or apply to insurance policies or health care benefit plans, including group conversion policies, provided to medicare eligible persons, which policies are not marketed or held to be medicare supplement policies or benefit plans.
Ohio Rev Code § 3923.333 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3923 | Sickness and Accident Insurance|Section 3923.333 | Benefits to Be Reasonable in Relation to Premium Charged.

Effective: June 4, 1997|Latest Legislation:  Senate Bill 67 - 122nd General Assembly|Medicare supplement policies shall return to policyholders benefits that are reasonable in relation to the premium charged. The superintendent of insurance shall issue reasonable rules to establish minimum standards for loss ratios of medicare supplement policies on the basis of incurred claims experience, or incurred health care expenses where coverage is provided by a health insuring corporation on a service rather than reimbursement basis, and earned premiums in accordance with accepted actuarial principles and practices.
Ohio Rev Code § 3923.334 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3923 | Sickness and Accident Insurance|Section 3923.334 | Outline of Coverage Delivered at Time Application Is Made.

Effective: March 3, 1996|Latest Legislation:  House Bill 374 - 121st General Assembly|(A) In order to provide for full and fair disclosure in the sale of medicare supplement policies, no medicare supplement policy or certificate shall be delivered in this state, unless an outline of coverage is delivered to the applicant at the time application is made.(B) The superintendent of insurance shall prescribe the format and content of the outline of coverage required by division (A) of this section. For purposes of this section, "format" means style, arrangements and overall appearance, including such items as the size, color and prominence of type, and arrangement of text and captions. The outline of coverage shall include:(1) A description of the principal benefits and coverage provided in the policy;(2) A statement of the renewal provisions, including any reservation by the issuer of a right to change premiums, and disclosure of the existence of any automatic renewal premium increases based on the age of the policyholder or certificate holder;(3) A statement that the outline of coverage is a summary of the policy issued or applied for and that the policy should be consulted to determine governing contractual provisions.(C) The superintendent may prescribe by rule a standard form and the contents of an informational brochure for persons eligible for medicare, which is intended to improve the buyer's ability to select the most appropriate coverage and improve the buyer's understanding of medicare. Except in the case of direct response insurance policies, the superintendent may require by rule that the informational brochure be provided to any prospective insureds eligible for medicare concurrently with delivery of the outline of coverage. With respect to direct response insurance policies, the superintendent may require by rule that the prescribed brochure be provided upon request to any prospective insureds eligible for medicare, but in no event later than the time of policy delivery.(D) The superintendent may adopt rules for captions or notice requirements, determined to be in the public interest and designed to inform prospective insureds that particular insurance coverages are not medicare supplement coverages, for all sickness and accident insurance policies and subscriber contracts sold to persons eligible for medicare, other than:(1) Medicare supplement policies; or(2) Disability income policies.(E) The superintendent may adopt reasonable rules to govern the full and fair disclosure of information in connection with the replacement of sickness and accident insurance policies, subscriber contracts, or certificates by persons eligible for medicare.
Ohio Rev Code § 3923.335 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3923 | Sickness and Accident Insurance|Section 3923.335 | Right to Return Policy or Certificate and Have Premium Refunded.

Effective: January 31, 1992|Latest Legislation:  House Bill 490 - 119th General Assembly|Medicare supplement policies and certificates shall have a notice prominently printed on the first page of the policy or certificate or attached thereto stating in substance that the applicant shall have the right to return the policy or certificate within thirty days of its delivery and to have the premium refunded if, after examination of the policy or certificate, the applicant is not satisfied for any reason. Any refund made pursuant to this section shall be paid directly to the applicant by the issuer in a timely manner.
Ohio Rev Code § 3923.336 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3923 | Sickness and Accident Insurance|Section 3923.336 | Review and Approval of Advertisement by Superintendent.

Effective: January 31, 1992|Latest Legislation:  House Bill 490 - 119th General Assembly|(A) Each issuer of medicare supplement policies or certificates in this state shall provide a copy of any medicare supplement advertisement intended for use in this state, whether through written or electronic media, to the superintendent of insurance for review and approval.(B) The superintendent shall adopt rules to carry out the purposes of this section.
Ohio Rev Code § 3923.337 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3923 | Sickness and Accident Insurance|Section 3923.337 | Rules.

Effective: January 31, 1992|Latest Legislation:  House Bill 490 - 119th General Assembly|All rules adopted pursuant to section 3923.33 and sections 3923.331 to 3923.339 of the Revised Code shall be subject to Chapter 119. of the Revised Code.
Ohio Rev Code § 3923.338 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3923 | Sickness and Accident Insurance|Section 3923.338 | Orders of Superintendent.

Effective: January 31, 1992|Latest Legislation:  House Bill 490 - 119th General Assembly|In addition to any other applicable penalties for violations of Title XVII or XXXIX of the Revised Code, the superintendent of insurance, pursuant to an adjudication conducted in accordance with Chapter 119. of the Revised Code, may issue an order requiring issuers violating any provision of section 3923.33 or sections 3923.331 to 3923.339 of the Revised Code or rules adopted pursuant to those sections to do either or both of the following:(A) Cease marketing any medicare supplement policy or certificate in this state that is related directly or indirectly to the violation;(B) Take such actions as are necessary to comply with section 3923.33 and sections 3923.331 to 3923.339 of the Revised Code.
Ohio Rev Code § 3923.339 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3923 | Sickness and Accident Insurance|Section 3923.339 | Severability.

Effective: January 31, 1992|Latest Legislation:  House Bill 490 - 119th General Assembly|If any provision of section 3923.33 or sections 3923.331 to 3923.339 of the Revised Code or the application thereof to any person or circumstances is for any reason held to be invalid, the remainder of section 3923.33 and sections 3923.331 to 3923.339 of the Revised Code and the application of such remainder to other persons or circumstances shall not be affected thereby.
Ohio Rev Code § 3923.36 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3923 | Sickness and Accident Insurance|Section 3923.36 | Excluding Coverage of Illness or Injury Covered by Workers' Compensation.

Effective: October 13, 1983|Latest Legislation:  House Bill 340 - 115th General Assembly|No sickness and accident insurance policy shall be construed to exclude illness or injury upon the ground that the insured might have elected to have such illness or injury covered by workers' compensation under division (A)(3) of section 4123.01 of the Revised Code unless the policy clearly excludes work or occupational related illness or injury or the policy, or a separate writing signed by the insured, informs the insured that such coverage is excluded and may be available to the subscriber under workers' compensation as the sole proprietor of a business, a member of a partnership, or an officer of a family farm corporation.
Ohio Rev Code § 3923.37 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3923 | Sickness and Accident Insurance|Section 3923.37 | Prohibiting Exclusion or Reduction of Benefits Because of Benefits Payable Under Supplemental Policy.

Effective: October 13, 1983|Latest Legislation:  House Bill 340 - 115th General Assembly|(A) No individual or group sickness and accident insurance policy shall be delivered, issued for delivery, or renewed in this state that excludes or reduces the benefits payable to or on behalf of an insured because benefits are also payable or have been paid under a supplemental sickness and accident policy to which all of the following apply:(1) The policy covers a specified disease or a limited plan of coverage.(2) The policy is specifically designed, advertised, represented, and sold as a supplement to other basic sickness and accident insurance coverage.(3) The entire premium for the policy is paid by the insured, the insured's family, or the insured's guardian.(B) This section applies to supplemental sickness and accident policies irrespective of the mode or channel of premium payment to the insurer or of any reduction in the premium by virtue of the insured's membership in any organization or the insured's status as an employee.
Ohio Rev Code § 3923.40 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3923 | Sickness and Accident Insurance|Section 3923.40 | Coverage of Adopted Children.

Effective: June 30, 1997|Latest Legislation:  House Bill 374 - 122nd General Assembly|No individual or group policy of sickness and accident insurance that makes family coverage available may be delivered, issued for delivery, or renewed in this state on or after January 1, 1989, unless the policy covers adopted children of the insured on the same basis as other dependents.The coverage required by this section is subject to the requirements and restrictions set forth in section 3924.51 of the Revised Code.
Ohio Rev Code § 3923.42 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3923 | Sickness and Accident Insurance|Section 3923.42 | Citing Provisions - Applicability.

Effective: January 31, 1992|Latest Legislation:  House Bill 490 - 119th General Assembly|(A) Sections 3923.41 to 3923.48 of the Revised Code may be cited as the "long-term care insurance act."(B) Sections 3923.41 to 3923.48 of the Revised Code do not supersede the obligations of entities subject to these sections to comply with the substance of other applicable insurance laws insofar as they do not conflict with these sections, except that section 3923.33 and sections 3923.331 to 3923.339 of the Revised Code and rules intended to apply to medicare supplement insurance policies do not apply to long-term care insurance. A policy that is not advertised, marketed, or offered as long-term care insurance need not meet the requirements of sections 3923.41 to 3923.48 of the Revised Code.
Ohio Rev Code § 3923.43 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3923 | Sickness and Accident Insurance|Section 3923.43 | Evidence to Be Filed by Long-Term Care Insurance Association.

Effective: September 10, 2007|Latest Legislation:  House Bill 100 - 127th General Assembly|(A) Prior to advertising, marketing, or offering a policy within this state, the association or the insurer of the association described in division (D)(3) of section 3923.41 of the Revised Code, shall file evidence with the superintendent of insurance that the association has at the outset a minimum of one hundred persons and has been organized and maintained in good faith for purposes other than that of obtaining insurance, has been in active existence for at least one year, and has a constitution and bylaws that provide all of the following: (1) The association holds regular meetings not less than annually to further the purposes of the members;(2) Except for credit unions, the association collects dues or solicits contributions from members;(3) The association's members have voting privileges and representation on the governing board and committees of the association.(B) Thirty days after the evidence filing, the association is deemed to satisfy the organizational requirements listed in division (A) of this section unless the superintendent makes a specific finding that the association does not satisfy the organizational requirements.
Ohio Rev Code § 3923.441 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3923 | Sickness and Accident Insurance|Section 3923.441 | Rescission of Long-Term Care Policy for Misrepresentation.

Effective: September 10, 2007|Latest Legislation:  House Bill 100 - 127th General Assembly|(A) Except as otherwise provided in division (C) of this section and notwithstanding division (B) of section 3923.04 of the Revised Code, no insurer shall rescind a long-term care insurance policy or certificate or deny an otherwise valid claim based upon a misrepresentation by the applicant without adhering to one of the following: (1) For a policy or certificate that has been in force for less than six months, an insurer may rescind a long-term care insurance policy or certificate or deny an otherwise valid long-term care insurance claim if the insurer can demonstrate that the insured misrepresented facts that were material to the insurer's offer of coverage to the insured.(2) For a policy or certificate that has been in force for at least six months but less than two years, an insurer may rescind a long-term care insurance policy or certificate or deny an otherwise valid long-term care insurance claim if the insurer can demonstrate that the insured misrepresented facts that were both material to the insurer's offer of coverage to the insured and that pertain to the condition for which the insured sought benefits.(3) After a policy or certificate has been in force for at least two years, an insurer may rescind a long-term care insurance policy or certificate or deny an otherwise valid long-term care insurance claim if the insurer can demonstrate that the insured knowingly and intentionally misrepresented relevant facts relating to the insured's health in the insured's application for the policy.(B) No insurer shall recover from the insured benefits that were paid under a long-term care insurance policy or certificate prior to the rescission of the policy or certificate pursuant to this section.(C) In the event of the death of the insured, the remaining death benefits under a life insurance policy that accelerates benefits for long-term care are governed by section 3923.04 of the Revised Code.
Ohio Rev Code § 3923.442 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3923 | Sickness and Accident Insurance|Section 3923.442 | Offer of Nonforfeiture Benefit Option With Long-Term Care Policy.

Effective: September 10, 2007|Latest Legislation:  House Bill 100 - 127th General Assembly|(A)(1) Except as provided in division (B) of this section, no insurer shall deliver or issue for delivery a long-term care insurance policy or certificate in this state without offering the policyholder or certificate holder the option of purchasing a nonforfeiture benefit. (2) An insurer's offer of a nonforfeiture benefit pursuant to this section may be in the form of a rider that is attached to the policy.(3) If the policyholder or certificate holder declines the nonforfeiture benefit offered pursuant to this section, the insurer shall provide a contingent benefit upon lapse that shall be available for a period of time specified in the policy or certificate following a substantial increase in premium rates.(B)(1) For a group long-term care insurance policy, the insurer shall make the offer required by division (A) of this section to the group policyholder.(2) For a group long-term care insurance policy as defined by division (D)(4) of section 3923.41 of the Revised Code, other than to a continuing care retirement community or other similar entity, the insurer shall make the offer required by division (A) of this section to each proposed certificate holder.(C) The superintendent of insurance may adopt rules specifying the type of nonforfeiture benefits insurers may offer as part of long-term care insurance policies and certificates, the standards for nonforfeiture benefits, and the rules regarding contingent benefit upon lapse, including a determination of the specified period of time during which a contingent benefit upon lapse will be available and the substantial premium rate increase that triggers a contingent benefit upon lapse as described in division (A) of this section.
Ohio Rev Code § 3923.444 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3923 | Sickness and Accident Insurance|Section 3923.444 | Compensation of Agents Selling Long-Term Care Policies.

Effective: September 10, 2007|Latest Legislation:  House Bill 100 - 127th General Assembly|(A) No agent or third-party administrator shall field issue a long-term care insurance policy or certificate if the compensation to the agent or third-party administrator is not based on the number of policies or certificates issued. (B) As used in this section, "field issue" means to issue a policy or certificate pursuant to the underwriting authority granted to an agent or third-party administrator by an insurer using the insurer's underwriting guidelines.
Ohio Rev Code § 3923.45 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3923 | Sickness and Accident Insurance|Section 3923.45 | Forms.

Effective: September 14, 1988|Latest Legislation:  House Bill 611 - 117th General Assembly|The form of all long-term care insurance policies and applications shall be filed and approved in accordance with section 3923.02 of the Revised Code.
Ohio Rev Code § 3923.46 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3923 | Sickness and Accident Insurance|Section 3923.46 | Rates for Individual Policy.

Effective: September 14, 1988|Latest Legislation:  House Bill 611 - 117th General Assembly|Premium rates for any individual policy of long-term care insurance shall be filed in accordance with section 3923.021 of the Revised Code.
Ohio Rev Code § 3923.47 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3923 | Sickness and Accident Insurance|Section 3923.47 | Rules.

Effective: September 10, 2007|Latest Legislation:  House Bill 100 - 127th General Assembly|The superintendent of insurance shall, pursuant to Chapter 119. of the Revised Code, adopt rules to carry out the purposes of sections 3923.41 to 3923.48 of the Revised Code including rules related to the state long-term care partnership program.
Ohio Rev Code § 3923.48 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3923 | Sickness and Accident Insurance|Section 3923.48 | Violation Is Unfair and Deceptive Insurance Practice.

Effective: August 14, 1992|Latest Legislation:  House Bill 216 - 119th General Assembly|Any violation of sections 3923.44 to 3923.46 of the Revised Code is an unfair and deceptive insurance practice under sections 3901.19 to 3901.23 of the Revised Code.
Ohio Rev Code § 3923.49 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3923 | Sickness and Accident Insurance|Section 3923.49 | Establishing Outreach Program to Educate Consumers.

Effective: September 29, 2013|Latest Legislation:  House Bill 59 - 130th General Assembly|The department of insurance shall establish an outreach program to educate consumers about the following: (A) The need for long-term care insurance;(B) Mechanisms for financing long-term care;(C) The availability of long-term care insurance;(D) The resource protection provided by the Ohio long-term care insurance program under section 5164.86 of the Revised Code;(E) That a consumer who purchased a long-term care insurance policy that does not meet the requirements of section 3923.50 of the Revised Code may purchase a policy that meets those requirements.The department shall develop and make available to consumers information to assist them in choosing long-term care insurance coverage.