reglab/housing_qa huggingface dataset:
ID Code § 41-2139 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 21 - DISABILITY INSURANCE POLICIES|Section 41-2139 - REQUIRED PROVISIONS — COVERAGE OF DEPENDENT CHILD.

41-2139. REQUIRED PROVISIONS — COVERAGE OF DEPENDENT CHILD. There shall be a provision as follows: a policy delivered or issued for delivery in this state more than one hundred twenty (120) days after the effective date of this act under which coverage of a dependent of an insured terminates at a specified age shall, with respect to an unmarried child who is incapable of self-sustaining employment by reason of intellectual disability or physical disability and who became so incapable prior to attainment of the limiting age and who is chiefly dependent upon such insured for support and maintenance, not so terminate while the policy remains in force and the dependent remains in such condition, if the insured has within thirty-one (31) days of such dependent’s attainment of the limiting age submitted proof of such dependent’s incapacity as described herein. The insurer may require at reasonable intervals during the two (2) years following the child’s attainment of the limiting age subsequent proof of the child’s disability and dependency. After the two (2) year period, such subsequent proof may not be required more than once each year.  History: [41-2139, added 1972, ch. 348, sec. 2, p. 1030; am. 2010, ch. 235, sec. 32, p. 568.]
ID Code § 41-2141 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 21 - DISABILITY INSURANCE POLICIES|Section 41-2141 - COORDINATION OF BENEFITS — COORDINATION WITH SOCIAL SECURITY BENEFITS.

41-2141. COORDINATION OF BENEFITS — COORDINATION WITH SOCIAL SECURITY BENEFITS. (1) Under the authority of this section and section 41-2216, Idaho Code, the director shall promulgate rules that are in accordance with the model regulations of the national association of insurance commissioners relating to coordination of benefits provisions in individual and group disability insurance policies. This section shall apply to all policies of individual disability insurance or coverage issued in this state pursuant to the provisions of chapters 21, 34, 39 and 52, title 41, Idaho Code. These rules shall establish uniformity in the permissive use of provisions governing the coordination of benefits between individual disability policies and between individual disability policies and group disability policies in order to avoid claim delays and misunderstandings that otherwise result from the use of inconsistent or incompatible provisions. (2) Any provision contained in a policy of disability insurance providing for a reduction of benefits payable under the policy during a policy benefit period due to an increase in benefits payable under the federal social security act, as amended, shall be null and void with respect to any such increase which occurs on or after the effective date of this act.  History: [41-2141, added 1978, ch. 10, sec. 1, p. 19; am. 1997, ch. 319, sec. 1, p. 942.]
ID Code § 41-2142 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 21 - DISABILITY INSURANCE POLICIES|Section 41-2142 - LIMITATION OF BENEFITS FOR ELECTIVE ABORTIONS.

41-2142. LIMITATION OF BENEFITS FOR ELECTIVE ABORTIONS. All policies, contracts, plans or certificates of disability insurance delivered, issued for delivery or renewed in this state after the effective date of this section shall exclude coverage for elective abortions. Such exclusion may be waived by endorsement and the payment of a premium therefor. Availability of such coverage shall be at the option of the insurance carrier. For purposes of this section, an "elective abortion" means an abortion for any reason other than to preserve the life of the female upon whom the abortion is performed.  History: [41-2142, added 1983, ch. 94, sec. 1, p. 207.]
ID Code § 41-2143 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 21 - DISABILITY INSURANCE POLICIES|Section 41-2143 - SERVICES PROVIDED BY GOVERNMENTAL ENTITIES.

41-2143. SERVICES PROVIDED BY GOVERNMENTAL ENTITIES. (1) From and after July 1, 1990, no disability insurance policy shall be issued in Idaho which excludes from coverage services rendered the insured while a resident in an Idaho state institution, provided the services to the insured would be covered by the disability insurance policy if rendered to him outside an Idaho state institution. (2) From and after July 1, 1990, no disability insurance policy shall be issued in Idaho which contains any provision denying or reducing benefits otherwise provided under the policy for the reason that the person insured is receiving health or mental health care or developmental services provided by the department of health and welfare, whether or not the department of health and welfare bases its charges for such services on the recipient’s ability to pay. Provided, nothing in this section shall prevent the issuance of a policy which excludes or reduces benefits where the charge level or amount of the charge levied by a governmental entity for such services would vary or be affected in any way by the existence of insurance coverage.  History: [41-2143, added 1990, ch. 300, sec. 1, p. 828.]
ID Code § 41-2144 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 21 - DISABILITY INSURANCE POLICIES|Section 41-2144 - MAMMOGRAPHY COVERAGE.

41-2144. MAMMOGRAPHY COVERAGE. (1) From and after July 1, 1992, all disability contracts which provide coverage for the surgical procedure known as a mastectomy which are delivered, issued for delivery, continued or renewed in this state shall provide minimum mammography examination or equivalent examination coverage. Such coverage shall include at least the following benefits: (a) One (1) baseline mammogram for any woman who is thirty-five (35) through thirty-nine (39) years of age. (b) A mammogram every two (2) years for any woman who is forty (40) through forty-nine (49) years of age, or more frequently if recommended by the woman’s physician. (c) A mammogram every year for any woman who is fifty (50) years of age or older. (d) A mammogram for any woman desiring a mammogram for medical cause. Such coverage shall not exceed the cost of the examination. (2) As used in this section, "mastectomy" means the removal of all or part of the breast for medically necessary reasons as determined by a licensed physician. (3) Nothing in this section shall apply to specified accident, specified disease, hospital indemnity, medicare supplement, long-term care or other limited benefit health insurance policies.  History: [41-2144, added 1992, ch. 132, sec. 1, p. 414; am. 1993, ch. 113, sec. 1, p. 288.]
ID Code § 41-2201 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 22 - GROUP AND BLANKET DISABILITY INSURANCE|Section 41-2201 - SCOPE OF CHAPTER — SHORT TITLE.

41-2201. SCOPE OF CHAPTER — SHORT TITLE. (1) This chapter applies only to group disability insurance contracts and to blanket disability insurance contracts as herein provided for. (2) This chapter may be cited as the "group or blanket disability insurance law".  History: [41-2201, added 1961, ch. 330, sec. 527, p. 645.]
ID Code § 41-2203 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 22 - GROUP AND BLANKET DISABILITY INSURANCE|Section 41-2203 - REQUIRED PROVISIONS IN GROUP POLICIES.

41-2203. REQUIRED PROVISIONS IN GROUP POLICIES. Each such group disability insurance policy shall contain in substance the following provisions: (1) A provision that, in the absence of fraud, all statements made by applicants or the policyholders or by an insured person shall be deemed representations and not warranties, and that no statement made for the purpose of effecting insurance shall void such insurance or reduce benefits unless contained in a written instrument signed by the policyholder or the insured person, a copy of which has been furnished to such policyholder or to such person or his beneficiary. (2) A provision that the insurer will furnish to the policyholder for delivery to each employee or member of the insured group, a statement in summary form of the essential features of the insurance coverage of such employee or member and to whom benefits thereunder are payable. If dependents are included in the coverage, only one (1) certificate need be issued for each family unit. (3) A provision that to the group originally insured may be added from time to time eligible new employees or members or dependents, as the case may be, in accordance with the terms of the policy. (4) A provision that, a policy delivered or issued for delivery in this state more than one hundred twenty (120) days after the effective date of this act under which coverage of a dependent of a member of an insured group terminates at a specified age shall, with respect to an unmarried child who is incapable of self-sustaining employment by reason of intellectual disability or physical disability and who became so incapable prior to attainment of the limiting age and who is chiefly dependent upon such member for support and maintenance, not so terminate while the policy remains in force and the dependent remains in such condition, if the member has within thirty-one (31) days of such dependent’s attainment of the limiting age submitted proof of such dependent’s incapacity as described herein. The insurer may require at reasonable intervals during the two (2) years following the child’s attainment of the limiting age subsequent proof of the child’s disability and dependency. After the two (2) year period, such subsequent proof may not be required more than once each year.  History: [41-2203, added 1961, ch. 330, sec. 529, p. 645; am. 1972, ch. 348, sec. 3, p. 1030; am. 2010, ch. 235, sec. 33, p. 569.]
ID Code § 41-2204 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 22 - GROUP AND BLANKET DISABILITY INSURANCE|Section 41-2204 - DIRECT PAYMENT OF HOSPITAL AND MEDICAL SERVICES.

41-2204. DIRECT PAYMENT OF HOSPITAL AND MEDICAL SERVICES. Any group disability policy may provide that all or any portion of any indemnities provided by any such policy on account of hospital, nursing, medical or surgical services may, at the insurer’s option, be paid directly to the hospital or person rendering such services; but the policy may not require that the service be rendered by a particular hospital or person. Payments so made shall discharge the insurer’s obligation with respect to the amount of insurance so paid.  History: [41-2204, added 1961, ch. 330, sec. 530, p. 645.]
ID Code § 41-2205 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 22 - GROUP AND BLANKET DISABILITY INSURANCE|Section 41-2205 - READJUSTMENT OF PREMIUMS — DIVIDENDS.

41-2205. READJUSTMENT OF PREMIUMS — DIVIDENDS. Any contract of group disability insurance may provide for the readjustment of the rate of premium based upon the experience thereunder. If a policy dividend is hereafter declared or a reduction in rate is hereafter made or continued for the first or any subsequent year of insurance under any policy of group disability insurance heretofore or hereafter issued to any policyholder, the excess, if any, of the aggregate dividends or rate reductions under such policy and all other group insurance policies of the policyholder over the aggregate expenditure for insurance under such policies made from funds contributed by the policyholder, or by an employer or insured persons, or by a union or association to which the insured persons belong, including expenditures made in connection with administration of such policies, shall be applied by the policyholder for the sole benefit of insured employees or members.  History: [41-2205, added 1961, ch. 330, sec. 531, p. 645.]
ID Code § 41-2206 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 22 - GROUP AND BLANKET DISABILITY INSURANCE|Section 41-2206 - “BLANKET DISABILITY INSURANCE” DEFINED.

41-2206. "BLANKET DISABILITY INSURANCE" DEFINED. "Blanket disability insurance" is hereby declared to be that form of disability insurance covering groups of persons as enumerated in one of the following subdivisions. (1) Under a policy or contract issued to any common carrier or to any operator, owner or lessee of a means of transportation, who or which shall be deemed the policyholder, covering a group defined as all persons or all persons of a class who may become passengers on such common carrier or such means of transportation. (2) Under a policy or contract issued to an employer, who shall be deemed the policyholder, covering the employer and all employees, dependents or guests, defined by reference to specified hazards incident to the activities or operations of the employer or any class of employees, dependents or guests similarly defined. (3) Under a policy or contract issued to a school, or other institution of learning, camp or sponsor thereof; or to the head or principal thereof, who or which shall be deemed the policyholder, covering students or campers. Supervisors and employees may be included. (4) Under a policy or contract issued in the name of any religious, charitable, recreational, educational, or civic organization, which shall be deemed the policyholder, covering participants in activities sponsored by the organization. (5) Under a policy or contract issued to a sports team or sponsors thereof which shall be deemed the policyholder, covering members, officials and supervisors. (6) Under a policy or contract issued in the name of any volunteer fire department, first aid, or other such volunteer group, or agency having jurisdiction thereof, which shall be deemed the policyholder, covering all of the members of such fire department or group. (7) Under a policy or contract issued to cover any other risk or class of risks which, in the discretion of the director may be properly eligible for blanket disability insurance. The discretion of the director may be exercised on an individual risk basis or class of risks, or both.  History: [41-2206, added 1961, ch. 330, sec. 532, p. 645.]
ID Code § 41-2208 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 22 - GROUP AND BLANKET DISABILITY INSURANCE|Section 41-2208 - APPLICATION AND CERTIFICATES NOT REQUIRED.

41-2208. APPLICATION AND CERTIFICATES NOT REQUIRED. An individual application shall not be required from a person covered under a blanket disability policy or contract, nor shall it be necessary for the insurer to furnish each such person a certificate of the insurance.  History: [41-2208, added 1961, ch. 330, sec. 534, p. 645.]
ID Code § 41-2209 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 22 - GROUP AND BLANKET DISABILITY INSURANCE|Section 41-2209 - PAYMENT OF BENEFITS UNDER BLANKET POLICY.

41-2209. PAYMENT OF BENEFITS UNDER BLANKET POLICY. All benefits under any blanket disability policy shall be payable to the person insured, or to his designated beneficiary or beneficiaries, or to his estate; except, that if the person insured be a minor or mental incompetent, such benefits may be made payable to his parent, guardian, or other person actually supporting him; or if the entire cost of the insurance has been borne by the employer such benefits may be made payable to the employer. Provided, however, that the policy may provide that all or any portion of any indemnities provided by such policy on account of hospital, nursing, medical or surgical services may, at the insurer’s option, be paid directly to the hospital or person rendering such services; but the policy may not require that the service be rendered by a particular hospital or person. Payment so made shall discharge the insurer’s obligation with respect to the amount of insurance so paid.  History: [41-2209, added 1961, ch. 330, sec. 535, p. 645.]
ID Code § 41-2210A (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 22 - GROUP AND BLANKET DISABILITY INSURANCE|Section 41-2210A - LIMITATION OF BENEFITS FOR ELECTIVE ABORTIONS.

41-2210A. LIMITATION OF BENEFITS FOR ELECTIVE ABORTIONS. All policies, contracts, plans or certificates of group or blanket disability insurance delivered, issued for delivery or renewed in this state after the effective date of this section shall exclude coverage for elective abortions. Such exclusion may be waived by endorsement and the payment of a premium therefor. Availability of such coverage shall be at the option of the insurance carrier. For purposes of this section, an "elective abortion" means an abortion for any reason other than to preserve the life of the female upon whom the abortion is performed.  History: [41-2210A, added 1983, ch. 94, sec. 2, p. 207.]
ID Code § 41-2210D (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 22 - GROUP AND BLANKET DISABILITY INSURANCE|Section 41-2210D - CONVERSION PLAN — WHEN REQUIRED.

41-2210D. CONVERSION PLAN — WHEN REQUIRED. Any group carrier doing business in the state of Idaho that does not have an individual product on file with the department of insurance shall provide a conversion plan to all group insureds. The conversion plan shall provide benefits at least equal to the standard health benefit plan developed pursuant to section 41-4712, Idaho Code. The premium under the plan shall not exceed one hundred twenty-five percent (125%) of the index rate for groups.  History: [41-2201D, added 1996, ch. 124, sec. 1, p. 438.]
ID Code § 41-2211 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 22 - GROUP AND BLANKET DISABILITY INSURANCE|Section 41-2211 - SCOPE OF ACT — REPLACEMENT OF GROUP DISABILITY INSURANCE, GROUP NONPROFIT HOSPITAL AND MEDICAL SERVICE CONTRACTS AND HEALTH CARE SERVICE PLANS.

41-2211. SCOPE OF ACT — REPLACEMENT OF GROUP DISABILITY INSURANCE, GROUP NONPROFIT HOSPITAL AND MEDICAL SERVICE CONTRACTS AND HEALTH CARE SERVICE PLANS. The provisions of this act shall apply to all policies of group disability insurance issued in this state pursuant to the provisions of chapter 22, title 41, Idaho Code, and any group nonprofit hospital and medical service contract issued in this state pursuant to the provisions of chapter 34, title 41, Idaho Code, and all group health care service plans issued in this state pursuant to chapter 39, title 41, Idaho Code.  History: [41-2211, added 1975, ch. 204, sec. 2, p. 565.]
ID Code § 41-2212 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 22 - GROUP AND BLANKET DISABILITY INSURANCE|Section 41-2212 - DEFINITIONS.

41-2212. DEFINITIONS. In this act, unless the context otherwise requires: (1) "Carrier" shall mean the insurance company, nonprofit hospital and medical service corporation, or other entity responsible for the payment of benefits or provision of services under a policy. (2) "Dependent" shall have the meaning set forth in a policy. (3) "Discontinuance" shall mean the termination of a policy by action taken by the policyholder, including failure to pay premium within the period provided by the policy, or by the carrier pursuant to a provision of the policy permitting termination or by mutual agreement of the policyholder and carrier. (4) "Employee" shall mean all agents, employees, and members of unions or associations to whom benefits are provided under a policy. (5) "Extension of Benefits" means the continuation of coverage under a particular benefit provided under a policy following discontinuance with respect to an employee or dependent who is totally disabled on the date of discontinuance. (6) "Policy" shall mean any group insurance policy, group hospital and medical service contract or other plan, contract or policy subject to the provisions of this act. (7) "Policyholder" shall mean the entity to which a policy is issued as specified in section 41-2213. (8) "Premium" shall mean the consideration payable to the carrier. (9) "Replacement Coverage" shall mean the benefits which are substituted under one carrier’s policy by similar benefits under a policy issued by another carrier. (10) "Totally Disabled" shall have the meaning set forth in a policy and not be inconsistent with the definition of "disability insurance" in section 41-503, Idaho Code.  History: [41-2212, added 1975, ch. 204, sec. 3, p. 565.]
ID Code § 41-2213 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 22 - GROUP AND BLANKET DISABILITY INSURANCE|Section 41-2213 - POLICY STANDARDS — DISABLED INDIVIDUALS.

41-2213. POLICY STANDARDS — DISABLED INDIVIDUALS. Every policy containing the benefits described in subsections (1), (2) and (3) of this section must contain a provision which provides for a reasonable extension of benefits with respect to employees or dependents who become totally disabled after the effective date of this act and continue to be totally disabled at the date of discontinuance of the policy. Such an extension of benefits provision will be deemed a reasonable extension of benefits provision if it complies with the standards set forth in subsections (1), (2) and (3) of this section. (1) In the case of a policy providing benefits for loss of time or a specific indemnity during hospital confinement, the extension of benefits provision will be deemed reasonable if continuance does not affect the benefit provided. (2) In the case of a policy providing hospital, medical or surgical expense coverage, the extension of benefits provision will be deemed reasonable if it provides benefits for covered expenses incurred as the result of the disabling condition beyond the date of discontinuance for a period of not less than twelve (12) months. (3) In the case of a policy providing loss by dismemberment, the extension of benefits provision will be deemed reasonable if it provides benefits for dismemberment loss that occurs after termination of policy that was a result of a disabling condition that occurred while the policy was in effect. Benefits for any such loss will be payable under the policy, in accordance with its limitations, exceptions and provisions as if this policy had not been so terminated. The benefits payable during any extension of benefits may be subject to all limitations or restrictions contained in the policy. Any extension of benefits may be terminated at such time as the employee or dependent is no longer totally disabled.  History: [41-2213, added 1975, ch. 204, sec. 4, p. 565; am. 1978, ch. 8, sec. 1, p. 14.]
ID Code § 41-2214 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 22 - GROUP AND BLANKET DISABILITY INSURANCE|Section 41-2214 - POLICY STANDARDS — MATERNITY BENEFITS.

41-2214. POLICY STANDARDS — MATERNITY BENEFITS. If a policy provides any benefits for pregnancy, childbirth or miscarriage and if an employee or dependent covered for such benefit is pregnant at the time of discontinuance and is not eligible for any replacement group coverage within sixty (60) days of discontinuance, the policy must provide that benefits will be payable to the same extent as if discontinuance had not occurred for any covered benefits in connection with such pregnancy, childbirth or miscarriage, but not beyond a period of twelve (12) months following such discontinuance.  History: [41-2214, added 1975, ch. 204, sec. 5, p. 565; am. 2001, ch. 129, sec. 1, p. 451.]