reglab/housing_qa huggingface dataset:
KS Stat § 40-2221a (2021)
2021 Kansas Statutes|Chapter 40 - Insurance|Article 22 - Uniform Policy Provisions|40-2221a Same; notice required prior to termination; reinstatement.

40-2221a. Same; notice required prior to termination; reinstatement. (a) Except as otherwise provided in K.S.A. 40-2221b, no medicare supplement policy of insurance, as defined by the commissioner of insurance by rules and regulations, issued or delivered in this state shall be terminated for failure to pay premiums when due unless the insurer sends to the insured a notice, addressed to the insured's last address of record with such insurer, indicating the policy terminated due to failure to pay the required premium as of the premium due date. Such notice shall be enclosed in an envelope on the front of which the following language appears in bold-faced type in a conspicuous place: IMPORTANT—-PREMIUM RENEWAL NOTICE ENCLOSED. Such notice shall be sent no later than 45 days following the date on which premium was due, and shall inform the insured of the amount of premium that would be required to reinstate the policy and of the time within which such premium must be remitted to the insurer to effect such reinstatement. Except as provided in subsection (b), upon payment of the required premium by the insured to the insurer within 45 days of the insurer's having mailed such notice, the policy shall be automatically reinstated as continuous coverage without lapse by the insurer without imposing upon the insured any new exclusions, reductions or waiting periods and without requiring of the insured proof of insurability.(b) Medicare supplement policies of insurance, as defined by the commissioner of insurance by rules and regulations, shall be reinstated in the event of lapse if the insurer is provided proof of cognitive impairment or the loss of functional capacity within five months after termination and the insured requests such reinstatement. Collection of past due premium will be allowed, where appropriate. The standard of proof of cognitive impairment or loss of functional capacity shall be established by clinical diagnosis by a person licensed to practice medicine and surgery and qualified to make such diagnosis.History: L. 1988, ch. 159, § 1; L. 1996, ch. 182, § 8; July 1.
KS Stat § 40-2221b (2021)
2021 Kansas Statutes|Chapter 40 - Insurance|Article 22 - Uniform Policy Provisions|40-2221b Same; when provisions of 40-2221a not applicable.

40-2221b. Same; when provisions of 40-2221a not applicable. The provisions of K.S.A. 40-2221a shall not apply to: (a) An insurance contract which is billed for by the insurer to other than the insured or a guardian, conservator or trustee of the insured;(b) an insurance contract billed for by the insurer to the insured on a preauthorized check or bank draft basis; and(c) an insurance contract for which the insurer has sent the proper notice as provided under this act more than twice in the preceding 12 months.History: L. 1988, ch. 159, § 2; July 1.
KS Stat § 40-2222a (2021)
2021 Kansas Statutes|Chapter 40 - Insurance|Article 22 - Uniform Policy Provisions|40-2222a Same; associations not subject to jurisdiction of commissioner to provide applicants with written notice of nature of coverage.

40-2222a. Same; associations not subject to jurisdiction of commissioner to provide applicants with written notice of nature of coverage. At the time the initial application for coverage is taken with respect to new applicants and upon the first renewal, reinstatement or extension of coverage following the effective date of this act with respect to persons previously covered, each person or entity described in K.S.A. 40-2222, and amendments thereto, shall provide a written notice stating that:(a) The coverage is not provided by an insurance company;(b) the plan is not subject to the laws and regulations relating to insurance companies;(c) the plan is not under the jurisdiction of the commissioner of insurance; and(d) if the plan does not pay medical expenses that are eligible for payment under the plan for any reason, the individuals covered by the plan may be liable for such expenses.History: L. 1991, ch. 135, § 2; L. 2014, ch. 44, § 2; L. 2019, ch. 54, § 14; L. 2019, ch. 54, § 15; July 1.
KS Stat § 40-2222b (2021)
2021 Kansas Statutes|Chapter 40 - Insurance|Article 22 - Uniform Policy Provisions|40-2222b Same; premium tax, rate, computation, return and payment.

40-2222b. Same; premium tax, rate, computation, return and payment. (a) As a condition precedent to continuation of the exemption provided by K.S.A. 40-2222, and amendments thereto, each person or entity described in K.S.A. 40-2222, and amendments thereto, shall, no later than May 1 of each year, pay a tax at the rate of 1% per annum upon the annual Kansas gross premium collected during the preceding calendar year. For persons or entities that have a principal office within a metropolitan area that has boundaries in Kansas and associations that have their principal office located within the borders of this state and offer policies to non-residents of Kansas, the tax owed under this section shall be based upon the gross premium collected during the preceding year relating to health benefit plans issued to members that have a principal place of business in Kansas. In the computation of the tax, such persons or entities shall be entitled to deduct any annual Kansas gross premiums returned on account of cancellation or dividends returned to members or expenditures used for the purchase of reinsurance or stop-loss coverage.(b) Every person or entity subject to taxation under the provisions of this section shall pay the tax imposed and make a return under oath to the commissioner of insurance under such rules and regulations and in such form and manner as the commissioner may prescribe.History: L. 1991, ch. 135, § 3; L. 2014, ch. 44, § 3; L. 2019, ch. 54, § 16; L. 2019, ch. 54, § 17; July 1.
KS Stat § 40-2223 (2021)
2021 Kansas Statutes|Chapter 40 - Insurance|Article 22 - Uniform Policy Provisions|40-2223 Same; examination; subject to insurance laws.

40-2223. Same; examination; subject to insurance laws. Any person or entity unable to show under K.S.A. 40-2222 that it is subject to the jurisdiction of an agency of this state or the federal government shall: (a) Submit to an examination by the insurance commissioner to determine the organization and solvency of the person or the entity; (b) be subject to all applicable provisions of chapter 40 of the Kansas Statutes Annotated. Any examination conducted under this section shall be performed in accordance with K.S.A. 40-222 and 40-223, and amendments thereto.History: L. 1983, ch. 150, § 2; July 1.
KS Stat § 40-2224 (2021)
2021 Kansas Statutes|Chapter 40 - Insurance|Article 22 - Uniform Policy Provisions|40-2224 Same; disclosure to purchaser required.

40-2224. Same; disclosure to purchaser required. Any person who advertises, sells, transacts or administers coverage in this state described in K.S.A. 40-2222, shall, if that coverage is not fully insured by an insurer authorized to transact insurance business in this state, advise any purchaser, prospective purchaser and covered person of such lack of insurance or other coverage.History: L. 1983, ch. 150, § 3; July 1.
KS Stat § 40-2225 (2021)
2021 Kansas Statutes|Chapter 40 - Insurance|Article 22 - Uniform Policy Provisions|40-2225 Long-term care insurance; name and citation of act.

40-2225. Long-term care insurance; name and citation of act. This act may be known and cited as the long-term care insurance act.History: L. 1987, ch. 156, § 1; Jan. 1, 1988.
KS Stat § 40-2226 (2021)
2021 Kansas Statutes|Chapter 40 - Insurance|Article 22 - Uniform Policy Provisions|40-2226 Same; application and construction of act.

40-2226. Same; application and construction of act. The requirements of this act shall apply to policies delivered or issued for delivery in this state on or after the effective date of this act. This act is not intended to supersede the obligation of entities subject to this act to comply with the substance of other applicable insurance laws insofar as they do not conflict with this act, except that laws and rules and regulations designed and intended to apply to medicare supplement insurance policies shall not be applied to long-term care insurance. A policy which is not primarily advertised, marketed or offered as long-term care insurance need not meet the requirements of this act.History: L. 1987, ch. 156, § 2; Jan. 1, 1988.
KS Stat § 40-2227 (2021)
2021 Kansas Statutes|Chapter 40 - Insurance|Article 22 - Uniform Policy Provisions|40-2227 Same; definitions.

40-2227. Same; definitions. As used in this act, unless the context requires otherwise:(a) "Long-term care insurance" means any insurance policy primarily advertised, marketed, offered or designed to provide coverage for each covered person on an expense incurred, indemnity, prepaid, or other basis, for one or more necessary or diagnostic, preventive, therapeutic, rehabilitative, maintenance, custodial, residential or personal care services, provided in a setting other than an acute care unit of a hospital. "Long-term care insurance" includes group and individual policies or riders whether issued by insurers, fraternal benefit societies, nonprofit medical and hospital service corporations, prepaid health plans, health maintenance organizations, or any similar organization. "Long-term care insurance" shall not include any insurance policy that is offered primarily to provide basic medicare supplement coverage, basic hospital expense coverage, basic medical-surgical expense coverage, hospital confinement indemnity coverage, major medical expense coverage, disability income protection coverage, accident-only coverage, specified disease or specified accident coverage, or limited benefit health coverage, but the inclusion or attachment of long-term care insurance coverage to one of the foregoing products shall not exempt it from the requirements of this act.(b) "Applicant" means:(1) In the case of an individual long-term care insurance policy, the person who seeks to contract for such benefits; and(2) in the case of a group long-term care insurance policy, the proposed certificateholder.(c) "Certificate" means any certificate issued under a group long-term care insurance policy that has been delivered or issued for delivery in this state.(d) "Commissioner" means the commissioner of insurance.(e) "Group long-term care insurance" means a long-term care insurance policy delivered or issued for delivery in this state and issued to a group as defined in K.S.A. 40-2209, and amendments thereto. No group long-term care insurance coverage may be offered to a resident of this state under a group policy issued in another state to a group defined in K.S.A. 40-2209, and amendments thereto, unless this state, or another state having statutory and regulatory long-term care insurance requirements substantially similar to those adopted in this state, has made a determination that such requirements have been met.(f) "Policy" means, except as otherwise provided in subsection (e), any individual or group policy, contract, subscriber agreement, rider or endorsement delivered or issued for delivery in this state by an insurer, fraternal benefit society, nonprofit medical and hospital service corporation, prepaid health plan, health maintenance organization or any similar organization.History: L. 1987, ch. 156, § 3; L. 1997, ch. 8, § 9; L. 2020, ch. 10, § 6; June 11.
KS Stat § 40-2228a (2021)
2021 Kansas Statutes|Chapter 40 - Insurance|Article 22 - Uniform Policy Provisions|40-2228a Long-term care policies and certificates; reinstatement of lapsed policies or certificates due to cognitive impairment or loss of functional capacity.

40-2228a. Long-term care policies and certificates; reinstatement of lapsed policies or certificates due to cognitive impairment or loss of functional capacity. The provisions of K.S.A. 40-2228a through 40-2228e shall apply to all individual and group long-term care policies or certificates that are issued to residents of this state on and after the effective date of this act.History: L. 1996, ch. 182, § 1; July 1.
KS Stat § 40-2228b (2021)
2021 Kansas Statutes|Chapter 40 - Insurance|Article 22 - Uniform Policy Provisions|40-2228b Same; notice of lapse or termination; designation of person in addition to applicant to receive notice, waiver; change of designation.

40-2228b. Same; notice of lapse or termination; designation of person in addition to applicant to receive notice, waiver; change of designation. (a) No long-term care policy or certificate shall be issued until the insurer has received from the applicant either a written designation of at least one person, in addition to the applicant, who is to receive notice of lapse or termination of the policy or certificate for nonpayment of premium, or a written waiver dated and signed by the applicant electing not to designate additional persons to receive such notice.(b) The applicant has the right to designate at least one person who is to receive the notice of termination, in addition to the insured. Designation of an additional person to receive notice of lapse or termination shall not constitute acceptance of any liability by such person for services provided to the insured. The designation shall include the full name and home address of such additional person.(c) The policy or certificate shall include a waiver stated in clear terms in the case of an applicant who elects not to designate an additional person. The waiver shall state that the applicant has the right to designate at least one person other than the applicant who will receive notice of any lapse or termination of the long-term care policy or certificate and that the applicant elects not to designate an additional person to receive such notice.(d) The insurer shall notify the insured of the right to change this written designation, no less often than once every two years.History: L. 1996, ch. 182, § 2; July 1.
KS Stat § 40-2228c (2021)
2021 Kansas Statutes|Chapter 40 - Insurance|Article 22 - Uniform Policy Provisions|40-2228c Same; payment of premiums through payroll or pension deduction plan; requirements under 40-2228b; application or enrollment form.

40-2228c. Same; payment of premiums through payroll or pension deduction plan; requirements under 40-2228b; application or enrollment form. When the policyholder or certificateholder pays premiums for a long-term care insurance policy or certificate through a payroll or pension deduction plan, the requirements contained in K.S.A. 40-2228b need not be met until 60 days after the policyholder or certificateholder is no longer on such a payment plan. The application or enrollment form for such policies or certificates shall clearly indicate the payment plan selected by the applicant.History: L. 1996, ch. 182, § 3; July 1.
KS Stat § 40-2228d (2021)
2021 Kansas Statutes|Chapter 40 - Insurance|Article 22 - Uniform Policy Provisions|40-2228d Same; lapse or termination of policy or certificate; requirements; notice.

40-2228d. Same; lapse or termination of policy or certificate; requirements; notice. No long-term care policy or certificate shall lapse or be terminated for nonpayment of premium unless the insurer, at least 30 days before the effective date of the lapse or termination, has given notice by first-class mail to the insured at the insured's last known address and to any person designated by the insured pursuant to K.S.A. 40-2228b to receive notice of lapse or termination. Notice shall not be given until 30 days after a premium is due and unpaid and will be deemed to have been given five days after the date of mailing.History: L. 1996, ch. 182, § 4; July 1.
KS Stat § 40-2228e (2021)
2021 Kansas Statutes|Chapter 40 - Insurance|Article 22 - Uniform Policy Provisions|40-2228e Same; reinstatement, conditions.

40-2228e. Same; reinstatement, conditions. Long-term care insurance policies or certificates shall include a provision which provides for reinstatement of coverage, in the event of lapse if the insurer is provided proof of cognitive impairment or the loss of functional capacity. This option shall be available to the insured if requested within five months after termination and shall allow for the collection of past due premium, where appropriate. The standard of proof of cognitive impairment or loss of functional capacity shall not be more stringent than the benefit eligibility criteria for cognitive impairment or the loss of functional capacity contained in the policy or certificate.History: L. 1996, ch. 182, § 5; July 1.
KS Stat § 40-2228f (2021)
2021 Kansas Statutes|Chapter 40 - Insurance|Article 22 - Uniform Policy Provisions|40-2228f Long-term care insurance prompt payment act; effective date.

40-2228f. Long-term care insurance prompt payment act; effective date. (a) K.S.A. 40-2228f through 40-2228h, and amendments thereto, shall be known as the Kansas long-term care insurance prompt payment act and shall apply to any policy of long-term care insurance issued or renewed in this state.(b) The provisions of the Kansas long-term care prompt payment act shall take effect and be in force on and after January 1, 2008.History: L. 2007, ch. 150, § 5; July 1.
KS Stat § 40-2228g (2021)
2021 Kansas Statutes|Chapter 40 - Insurance|Article 22 - Uniform Policy Provisions|40-2228g Same; definitions.

40-2228g. Same; definitions. As used in K.S.A. 40-2228f through 40-2228h, and amendments thereto:(a) The term "clean claim" means a claim that has no defect or impropriety, including any lack of required substantiating documentation, or particular circumstance requiring special treatment that prevents timely payment from being made on the claim under the Kansas long-term care insurance prompt payment act.(b) The term "claim" means a written proof of loss as defined in paragraph (7) of subsection (A) of K.S.A. 40-2203, and amendments thereto, or an electronic proof of loss which contains the information required by paragraph (7) of subsection (A) of K.S.A. 40-2203, and amendments thereto.(c) The term "long-term care insurance" shall have the meaning ascribed to it in K.S.A. 40-2227, and amendments thereto.History: L. 2007, ch. 150, § 6; July 1.
KS Stat § 40-2229 (2021)
2021 Kansas Statutes|Chapter 40 - Insurance|Article 22 - Uniform Policy Provisions|40-2229 Mammogram and pap smear coverage; policies to which mandated coverage applicable.

40-2229. Mammogram and pap smear coverage; policies to which mandated coverage applicable. Except as otherwise provided, this act applies to any individual, group or blanket policy of accident and sickness, medical or surgical expense coverage and any provision of a policy, contract, plan or agreement for medical service including any contract of a health maintenance organization as defined by K.S.A. 40-3202, and amendments thereto, delivered, renewed or issued for delivery on or after the effective date of this act within or outside of this state or used within this state by or for an individual who resides or is employed in this state. The provisions of this act shall not apply to any medicare supplement policy of insurance, as defined by the commissioner of insurance by rule and regulation, any policy of long-term care insurance, as defined by K.S.A. 40-2227, and amendments thereto, any specified disease or specified accident coverage or any accident only coverage as defined by the commissioner of insurance by rule and regulation whether written on a group, blanket or individual basis.History: L. 1988, ch. 158, § 1; July 1.
KS Stat § 40-2230 (2021)
2021 Kansas Statutes|Chapter 40 - Insurance|Article 22 - Uniform Policy Provisions|40-2230 Same; when reimbursement or indemnification required; deductibles, coinsurance and other limitations permissible.

40-2230. Same; when reimbursement or indemnification required; deductibles, coinsurance and other limitations permissible. Notwithstanding any provision of any policy, provision, contract, plan or agreement to which this act applies, whenever reimbursement or indemnity for laboratory or x-ray services are covered, reimbursement or indemnification shall not be denied for mammograms or pap smears when performed at the direction of a person licensed to practice medicine and surgery by the board of healing arts within the lawful scope of such person's license, including services performed at a mobile facility certified by the federal health care financing administration and performing mammography testing by American cancer society guidelines. A policy, provision, contract, plan or agreement may apply to mammograms or pap smears the same deductibles, coinsurance and other limitations as apply to other covered services.History: L. 1988, ch. 158, § 2; L. 1994, ch. 141, § 1; April 14.
KS Stat § 40-2231 (2021)
2021 Kansas Statutes|Chapter 40 - Insurance|Article 22 - Uniform Policy Provisions|40-2231 Continuing care contracts; definitions.

40-2231. Continuing care contracts; definitions. As used in this act:(a) "Continuing care contract" means an agreement pursuant to which a provider undertakes to furnish to a person, not related by consanguinity or affinity to the provider, shelter and medical or nursing services or other health-related benefits which require a present or deferred transfer of assets or an entrance fee in the amount of $5,000 or equivalent value or such greater amount as set by the commissioner in rules and regulations in addition to or in lieu of periodic charges. Continuing care contract shall also mean an agreement of any other provider who voluntarily applies for a certificate pursuant to K.S.A. 40-2235.(b) "Entrance fee" means the total of any initial or deferred transfer to, or for the benefit of, a provider of a sum of money or other property made or promised to be made as full or partial consideration for acceptance of a person as a resident pursuant to a continuing care contract.(c) "Home" means the facility or facilities occupied, or planned to be occupied, by five or more residents where the provider undertakes pursuant to the continuing care contract to provide continuing care to such residents.(d) "Provider" or "continuing care provider" means the person, corporation, partnership, association or other legal entity which agrees to provide continuing care to residents in a home.(e) "Resident" means an individual or individuals who have entered into an agreement with a provider for continuing care in a home.(f) "Commissioner" means commissioner of insurance of the state of Kansas.History: L. 1989, ch. 73, § 1; July 1.
KS Stat § 40-2233 (2021)
2021 Kansas Statutes|Chapter 40 - Insurance|Article 22 - Uniform Policy Provisions|40-2233 Same; annual disclosure statement, contract and annual audit; filing with commissioner.

40-2233. Same; annual disclosure statement, contract and annual audit; filing with commissioner. A provider shall file with the commissioner within four months of completion of such provider's fiscal year the annual disclosure statement referred to in K.S.A. 40-2232, the continuing care contract referred to in K.S.A. 40-2234 and an annual audit certified by a certified public accountant.History: L. 1989, ch. 73, § 3; July 1.