reglab/housing_qa huggingface dataset:
AR Code § 23-94-207 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 94 - Liability Risk Retention|Subchapter 2 - Risk Retention and Purchasing Groups Act|§ 23-94-207. Purchasing groups — Exemption from certain laws

 A purchasing group and its insurer or insurers shall be subject to all applicable laws of this state, except that a purchasing group and its insurer or insurers shall be exempt, in regard to liability insurance for the purchasing group, from any law that would:   (1) Prohibit the establishment of a purchasing group;  (2) Make it unlawful for an insurer to provide or offer to provide insurance on a basis providing, to a purchasing group or its members, advantages based on their loss and expense experience not afforded to other persons with respect to rates, policy forms, coverages, or other matters;  (3) Prohibit a purchasing group or its members from purchasing insurance on a group basis described in subdivision (2) of this section;  (4) Prohibit a purchasing group from obtaining insurance on a group basis because the purchasing group has not been in existence for a minimum period of time or because any member has not belonged to the purchasing group for a minimum period of time;  (5) Require that a purchasing group must have a minimum number of members, common ownership or affiliation, or certain legal form;  (6) Require that a certain percentage of a purchasing group must obtain insurance on a group basis;  (7) Otherwise discriminate against a purchasing group or any of its members; or  (8) Require that any insurance policy issued to a purchasing group or any of its members be countersigned by an insurance agent or broker residing in this state.
AR Code § 23-94-209 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 94 - Liability Risk Retention|Subchapter 2 - Risk Retention and Purchasing Groups Act|§ 23-94-209. Restrictions on insurance purchased by purchasing groups

 (a) A purchasing group may not purchase insurance from a risk retention group that does not hold a certificate of registration in this state or from an insurer not admitted in the state in which the purchasing group is located, unless the purchase is effected through a licensed agent or broker acting pursuant to the surplus line laws and rules of such state.  (b) A purchasing group which obtains liability insurance from an insurer not admitted in this state or a risk retention group shall inform each of the members of the group which have a risk resident or located in this state that the risk is not protected by an insurance insolvency guaranty fund in this state, and that the risk retention group or insurer may not be subject to all insurance laws and rules of this state.  (c) No purchasing group may purchase insurance providing for a deductible or self-insured retention applicable to the group as a whole; however, coverage may provide for a deductible or self-insured retention applicable to individual members.  (d) Purchases of insurance by purchasing groups are subject to the same standards regarding aggregate limits which are applicable to all purchases of group insurance.
AR Code § 23-94-210 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 94 - Liability Risk Retention|Subchapter 2 - Risk Retention and Purchasing Groups Act|§ 23-94-210. Taxation

 (a) Each authorized risk retention group shall, on or before March 1 of each year, file with the commissioner on forms prescribed by the commissioner a statement for the preceding calendar year showing all premiums paid to the risk retention group for risks insured within this state.  (b) Coincident with the filing of the report, each authorized risk retention group shall submit to the Treasurer of State through the commissioner, as a tax imposed for the privilege of transacting business as a risk retention group within this state, a tax of four percent (4%) on all premiums paid for coverages within this state to the risk retention group within the preceding calendar year as shown by the annual statement filed with the commissioner.  (c) Agents or brokers shall report in an annual statement and pay the four percent (4%) tax on or before March 1 of each year for the premiums for risks which they have placed within the preceding calendar year with or on behalf of a risk retention group not authorized to do business in this state by a subsisting certificate of registration issued by the commissioner.  (d) Any risk retention group, agent, or broker who fails to file the annual statement or fails to remit the tax as provided by law on March 1 when the tax is due shall be liable for a fine of one hundred dollars ($100) for each day of delinquency commencing with March 1. However, for good cause shown, the commissioner, after a written request, may grant a reasonable extension of time within which the statement may be filed and the tax paid. The tax may be collected by distraint, or the tax and fine may be covered by an action instituted by the commissioner in any court of competent jurisdiction. The commissioner shall pay to the Treasurer of State any fine so collected.
AR Code § 23-94-211 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 94 - Liability Risk Retention|Subchapter 2 - Risk Retention and Purchasing Groups Act|§ 23-94-211. License fees

 The provisions as to fees for obtaining and continuing licenses for insurers, agents, and brokers under § 23-61-401 shall be applicable to risk retention groups, purchasing groups, risk retention group agents and purchasing group brokers, resident surplus lines brokers, and nonresident surplus lines purchasing group brokers under the provisions of this subchapter and the Surplus Lines Insurance Law, § 23-65-301 et seq., except as they conflict with the provisions of the Liability Risk Retention Act of 1986.
AR Code § 23-94-212 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 94 - Liability Risk Retention|Subchapter 2 - Risk Retention and Purchasing Groups Act|§ 23-94-212. Administrative and procedural authority regarding risk retention groups and purchasing groups

 The commissioner is authorized to make use of any of the powers established under the Arkansas Insurance Code to enforce the laws of this state not specifically preempted by the Liability Risk Retention Act of 1986, including the commissioner's administrative authority to investigate, issue subpoena, conduct depositions and hearings, issue orders, impose penalties, and seek injunctive relief. With regard to any investigation, administrative proceedings, or litigation, the commissioner can rely on the procedural laws of this state. The injunctive authority of the commissioner, in regard to risk retention groups, is restricted by the requirement that any injunction be issued by a court of competent jurisdiction.
AR Code § 23-94-214 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 94 - Liability Risk Retention|Subchapter 2 - Risk Retention and Purchasing Groups Act|§ 23-94-214. Binding effect of orders issued in United States District Court

 An order issued by any district court of the United States enjoining a risk retention group from soliciting or selling insurance, or operating in any state, or in all states or in any territory or possession of the United States, upon a finding that the risk retention group is in hazardous financial or financially impaired condition shall be enforceable in the courts of the state.
AR Code § 23-94-215 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 94 - Liability Risk Retention|Subchapter 2 - Risk Retention and Purchasing Groups Act|§ 23-94-215. Rules

 The commissioner may establish and from time to time amend such rules relating to risk retention groups as may be necessary or desirable to carry out the provisions of this subchapter.
AR Code § 23-97-301 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 97 - Long-Term Care Insurance|Subchapter 3 - Long-Term Care Insurance Act of 2005|§ 23-97-301. Short title

 This subchapter shall be known and may be cited as the “Long-Term Care Insurance Act of 2005”.
AR Code § 23-97-302 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 97 - Long-Term Care Insurance|Subchapter 3 - Long-Term Care Insurance Act of 2005|§ 23-97-302. Purpose

 The purpose of this subchapter is to:   (1) Promote the public interest;  (2) Promote the availability of long-term care insurance policies;  (3) Protect applicants for long-term care insurance from unfair or deceptive sales or enrollment practices;  (4) Establish standards for long-term care insurance;  (5) Facilitate public understanding and comparison of long-term care insurance policies; and  (6) Facilitate flexibility and innovation in the development of long-term care insurance coverage.
AR Code § 23-97-303 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 97 - Long-Term Care Insurance|Subchapter 3 - Long-Term Care Insurance Act of 2005|§ 23-97-303. Scope

 (a) The requirements of this subchapter apply to policies delivered or issued for delivery in this state on or after August 12, 2005.  (b) Except as provided in subsection (c) of this section, this subchapter is not intended to supersede the obligations to comply with other applicable insurance laws that do not conflict with this subchapter.  (c) Laws and rules designed and intended to apply to Medicare supplement insurance policies shall not be applied to long-term care insurance.
AR Code § 23-97-305 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 97 - Long-Term Care Insurance|Subchapter 3 - Long-Term Care Insurance Act of 2005|§ 23-97-305. Requirements for associations

 (a) Prior to advertising, marketing, or offering a policy within this state, an association or the insurer of the association shall file evidence with the Insurance Commissioner that the association has:  (1) A minimum of one hundred (100) persons;  (2) Been organized and maintained in good faith for purposes other than that of obtaining insurance;  (3) Been in active existence for at least one (1) year; and  (4) Had a constitution and bylaws providing that:  (A) The association holds regular meetings not less than annually to further purposes of the members;  (B) Except for credit unions, the association collects dues or solicits contributions from members; and  (C) The members have voting privileges and representation on the governing board and committees.      (b) Thirty (30) days after the filing, the association or associations will be deemed to satisfy the organizational requirements unless the commissioner makes a finding that the association or associations do not satisfy those organizational requirements.
AR Code § 23-97-306 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 97 - Long-Term Care Insurance|Subchapter 3 - Long-Term Care Insurance Act of 2005|§ 23-97-306. Extraterritorial jurisdiction — Group long-term care insurance

 No group long-term care insurance coverage may be offered to a resident of this state under a group policy issued in another state unless this state or another state having statutory and regulatory long-term care insurance requirements substantially similar to those adopted in this state determines that the definition of “group long-term care insurance” under § 23-97-304 has been met.
AR Code § 23-97-307 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 97 - Long-Term Care Insurance|Subchapter 3 - Long-Term Care Insurance Act of 2005|§ 23-97-307. Disclosure and performance standards for long-term care insurance

 (a) The Insurance Commissioner may adopt rules for long-term care insurance that include, but are not limited to, standards for full and fair disclosure addressing:  (1) The manner, content, and required disclosures for the sale of long-term care insurance policies;  (2) Terms of renewability;  (3) Initial and subsequent conditions of eligibility;  (4) Nonduplication of coverage provisions;  (5) Coverage of dependents;  (6) Preexisting conditions;  (7) Termination of insurance;  (8) Continuation or conversion of coverage;  (9) Probationary periods;  (10) Limitations, exceptions, reductions, and elimination periods;  (11) Requirements for replacement;  (12) Recurrent conditions; and  (13) Definitions of terms.    (b) No long-term care insurance policy shall:  (1) Be cancelled, not renewed, or otherwise terminated because of age or the deterioration of the mental or physical health of the insured individual or certificate holder;  (2) Contain a provision establishing a new waiting period in the event existing coverage is converted to or replaced by a new or other form of coverage within the same company, except with respect to an increase in benefits voluntarily selected by the insured individual or group policyholder; or  (3) Provide coverage for skilled nursing care only or provide significantly more coverage for skilled care within a facility than coverage for lower levels of care.
AR Code § 23-97-308 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 97 - Long-Term Care Insurance|Subchapter 3 - Long-Term Care Insurance Act of 2005|§ 23-97-308. Preexisting condition

 (a) No long-term care insurance policy or certificate other than a policy or certificate issued to a group approved by the Insurance Commissioner under § 23-97-304(6)(B) shall:  (1) Use a definition of “preexisting condition” that is more restrictive than the following: “Preexisting condition” means a condition for which medical advice or treatment was recommended by or received from a provider of healthcare services within six (6) months preceding the effective date of coverage of an insured person; or  (2) Exclude coverage for a loss or confinement that is the result of a preexisting condition unless the loss or confinement begins within six (6) months following the effective date of coverage of an insured person.    (b) The commissioner may extend the limitation periods set forth in subsection (a) of this section for specific age group categories in specific policy forms upon finding that the extension is in the best interest of the public.  (c)  (1) The definition of “preexisting condition” does not prohibit an insurer from using an application form designed to elicit the complete health history of an applicant when underwriting in accordance with the insurer's established underwriting standards.  (2) Unless otherwise provided in the policy or certificate, a preexisting condition, regardless of whether it is disclosed on the application, need not be covered until the waiting period described in subdivision (a)(2) of this section expires.  (3) No long-term care insurance policy or certificate may exclude or use waivers or riders of any kind to exclude, limit, or reduce coverage or benefits for specifically named or described preexisting diseases or physical conditions beyond the waiting period described in subdivision (a)(2) of this section.
AR Code § 23-97-309 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 97 - Long-Term Care Insurance|Subchapter 3 - Long-Term Care Insurance Act of 2005|§ 23-97-309. Prior hospitalization or institutionalization

 (a) No long-term care insurance policy shall be delivered or issued for delivery in this state if the policy:  (1) Conditions eligibility for any benefits on a prior hospitalization requirement;  (2) Conditions eligibility for any benefits provided in an institutional care setting on the receipt of a higher level of institutional care; or  (3) Conditions eligibility for any benefits other than waiver of premium, post-confinement, post-acute care, or recuperative benefits on a prior institutionalization requirement.    (b)  (1) A long-term care insurance policy containing post-confinement, post-acute care, or recuperative benefits shall clearly label in a separate paragraph of the policy or certificate entitled “Limitations or Conditions on Eligibility for Benefits” the limitations or conditions, including any required number of days of confinement.  (2) A long-term care insurance policy or rider that conditions eligibility for noninstitutional benefits on the prior receipt of institutional care shall not require a prior institutional stay of more than thirty (30) days.    (c) No long-term care insurance policy or rider that provides benefits only following institutionalization shall condition such benefits upon admission to a facility for the same or related conditions within a period of less than thirty (30) days after discharge from the institution.
AR Code § 23-97-310 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 97 - Long-Term Care Insurance|Subchapter 3 - Long-Term Care Insurance Act of 2005|§ 23-97-310. Loss ratio standards

 (a) The Insurance Commissioner may adopt rules establishing loss ratio standards for long-term care insurance policies.  (b) A specific reference to long-term care insurance policies shall be contained in the rules.
AR Code § 23-97-311 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 97 - Long-Term Care Insurance|Subchapter 3 - Long-Term Care Insurance Act of 2005|§ 23-97-311. Right to return — Free look

 (a) Long-term care insurance applicants shall have the right to return the policy or certificate within thirty (30) 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.  (b) Long-term care insurance policies and certificates shall contain a notice prominently printed on or attached to the first page stating in substance that the applicant shall have the right to return the policy or certificate within thirty (30) 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.  (c) If an application is denied, the issuer shall refund to the applicant any premium and any other fee paid by the applicant to apply within thirty (30) days of the denial.
AR Code § 23-97-312 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 97 - Long-Term Care Insurance|Subchapter 3 - Long-Term Care Insurance Act of 2005|§ 23-97-312. Outline of coverage

 (a)  (1) An outline of coverage shall be delivered to a prospective applicant for long-term care insurance at the time of initial solicitation through means that prominently direct the attention of the recipient to the outline of coverage and its purpose.  (2) The Insurance Commissioner shall prescribe a standard format for the outline, including style, arrangement, overall appearance, and content.  (3) In the case of agent solicitations, an agent shall deliver the outline of coverage prior to the presentation of an application or enrollment form.  (4) In the case of direct response solicitations, the outline of coverage shall be presented in conjunction with any application or enrollment form.  (5)  (A) In the case of a policy issued to a group approved by the commissioner under § 23-97-304(6)(B), an outline of coverage shall not be required to be delivered if the information described in subsection (b) of this section is provided to applicants in other materials relating to enrollment.  (B) Materials relating to enrollment shall be made available to the commissioner upon request.      (b) The outline of coverage shall include:  (1) A description of the principal benefits and coverage provided in the policy;  (2) A statement of the principal exclusions, reductions, and limitations contained in the policy;  (3)  (A) A statement of the terms under which the policy or certificate, or both, may be continued in force or discontinued, including any reservation in the policy of a right to change premium.  (B) Continuation or conversion provisions of group coverage shall be specifically described;    (4) A statement that the outline of coverage is a summary only, not a contract of insurance, and that the policy or group master policy contains governing contractual provisions;  (5) A description of the terms under which the policy or certificate may be returned and premium refunded;  (6) A brief description of the relationship between cost of care and benefits; and  (7) A statement that discloses to the policyholder or certificate holder whether the policy is intended to be a federally tax-qualified long-term care insurance contract under section 7702B(b) of the Internal Revenue Code of 1986.
AR Code § 23-97-313 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 97 - Long-Term Care Insurance|Subchapter 3 - Long-Term Care Insurance Act of 2005|§ 23-97-313. Certificates

 A certificate issued for delivery in this state under a group long-term care insurance policy shall include:   (1) A description of the principal benefits and coverage provided in the policy;  (2) A statement of the principal exclusions, reductions, and limitations contained in the policy; and  (3) A statement that the group master policy determines governing contractual provisions.
AR Code § 23-97-314 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 97 - Long-Term Care Insurance|Subchapter 3 - Long-Term Care Insurance Act of 2005|§ 23-97-314. Delivery of policy and summary — Disclosures

 (a) If an application for a long-term care insurance contract or certificate is approved, the issuer shall deliver the contract or certificate of insurance to the applicant no later than thirty (30) days after the date of approval.  (b)  (1) At the time of the delivery of the policy, a policy summary shall be delivered for an individual life insurance policy that provides long-term care benefits within the policy or by rider.  (2) In the case of direct response solicitations, the insurer shall deliver the policy summary upon the applicant's request or at the time of policy delivery, whichever first occurs.  (3) The summary shall comply with all applicable requirements and include:  (A) An explanation of how the long-term care benefit interacts with other components of the policy, including deductions from death benefits;  (B) An illustration of the amount of benefits, the length of benefit, and the guaranteed lifetime benefits, if any, for each covered person;  (C) Any exclusions, reductions, and limitations on long-term care benefits; and  (D) A statement that any long-term care inflation protection option, if required by rules of the Insurance Commissioner, is not available under the policy.    (4) If applicable to the policy type, the summary shall also include:  (A) A disclosure of the effects of exercising other rights under the policy;  (B) A disclosure of guarantees related to long-term care costs of insurance charges; and  (C) Current and projected maximum lifetime benefits.