reglab/housing_qa huggingface dataset:
NE Code § 44-7,113 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-7,113 - Health carrier or utilization review organization; step-therapy protocol; clinical review criteria.

44-7,113.  Health carrier or utilization review organization; step-therapy protocol; clinical review criteria.A health carrier or utilization review organization shall consider available recognized evidence-based and peer-reviewed clinical practice guidelines when establishing a step-therapy protocol. Upon written request of a covered person, a health carrier or utilization review organization shall provide any clinical review criteria applicable to a specific prescription drug covered by the health carrier or utilization review organization.Source  Laws 2021, LB337, § 3.   Effective Date: August 28, 2021
NE Code § 44-7,114 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-7,114 - Step-therapy override exception; process.

44-7,114.  Step-therapy override exception; process.When coverage of a prescription drug for the treatment of any medical condition is restricted for use by a health carrier or utilization review organization through the use of a step-therapy protocol, the prescribing health care provider and the covered person shall have access to a clear, readily accessible, and convenient process to request a step-therapy override exception. A health carrier or utilization review organization may use its existing medical exceptions process to satisfy this requirement. The process used shall be easily accessible on the Internet site of the health carrier or utilization review organization.Source  Laws 2021, LB337, § 4.   Effective Date: August 28, 2021
NE Code § 44-7,116 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-7,116 - Rules and regulations.

44-7,116.  Rules and regulations.The Director of Insurance may adopt and promulgate rules and regulations necessary to enforce the Step-Therapy Reform Act.Source  Laws 2021, LB337, § 6.   Effective Date: August 28, 2021
NE Code § 44-7,117 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-7,117 - Act; applicability.

44-7,117.  Act; applicability.(1) The Step-Therapy Reform Act applies to all individual and group health insurance policies, contracts, and certificates issued by health carriers, self-funded nonfederal governmental plans, and state employee health plans offered by the State of Nebraska.(2) The Step-Therapy Reform Act applies to any health insurance or health benefit plans delivered, issued for delivery, or renewed on or after January 1, 2022.Source  Laws 2021, LB337, § 7.   Effective Date: August 28, 2021
NE Code § 44-801 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-801 - Domestic associations; special and additional requirements; amendments to bylaws; approval of department required.

44-801.  Domestic associations; special and additional requirements; amendments to bylaws; approval of department required.No domestic assessment association shall begin to transact the business of insurance until (1) its bylaws, stating in detail its scheme and method of doing business, shall have been approved by the Department of Insurance; and (2) it has received one hundred or more applications for membership, and shall have received in cash the proceeds of one assessment, unless formed to insure grain elevators and contents, warehouses, coal sheds, lumber yards and flour mills, in which case there shall be not less than fifty applications for membership.Every amendment to a bylaw, which in any manner changes the scheme or method of doing business, must be approved by the Department of Insurance before it shall take effect.Source   Laws 1913, c. 154, § 124, p. 463;   R.S.1913, § 3261;   Laws 1919, c. 190, tit. V, art. X, § 1, p. 644;   C.S.1922, § 7860;   C.S.1929, § 44-901;   R.S.1943, § 44-801;   Laws 1957, c. 178, § 13, p. 617.  Annotations Assessments were made in conformity with statute and policyholder liable thereon. Nebraska Mutual Ins. Co. v. Borden, 132 Neb. 656, 272 N.W. 767 (1937).
NE Code § 44-802 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-802 - Assessments; how determined; by whom made.

44-802.  Assessments; how determined; by whom made.All assessments shall be determined by proper classification and rating of the risks which an assessment association may assume, so that every member may be assessed in a proper proportion to his risk. The method of estimating the pro rata amount of each member's liability for losses and his share of the expenses shall be fixed in the bylaws, which may provide for assessments for not more than one year in advance in accordance with the amount estimated by the board of directors to be necessary to meet the losses and expenses of the association for such period; Provided, any assessment association maintaining the same reserves, surplus, and contingency funds as are required of a stock or mutual company licensed to transact the same kind or kinds of business, may make advance assessments for periods longer than one year at the discretion of its board of directors.Source   Laws 1913, c. 154, § 125, p. 463;   R.S.1913, § 3262;   Laws 1919, c. 190, tit. V, art. X, § 2, p. 644;   C.S.1922, § 7861;   C.S.1929, § 44-902;   Laws 1935, c. 95, § 1, p. 318;   Laws 1939, c. 51, § 1, p. 220;   C.S.Supp.,1941, § 44-902;   R.S.1943, § 44-802;   Laws 1951, c. 145, § 1, p. 587.  Annotations  Amendment to statute providing for assessments for future losses is not applicable to contract made before amended statute went into effect, and defendant was authorized to levy assessments only for losses which had occurred, together with necessary expenses. Ehlers v. Farmers Mutual Ins. Co., 130 Neb. 368, 264 N.W. 894 (1936). Under prior law, assessments must be levied by board of directors subject to limitations expressed, which are to be construed as on annual basis and only for losses actually accrued at date assessment levied, and future anticipated losses or expenses may not be covered by assessments. Hobza v. State Farmers Ins. Co., 125 Neb. 776, 252 N.W. 214 (1934). Officers and directors, members of mutual assessment association, against which compensation is claimed for employee's death, are disqualified as witnesses to transaction or conversation between them and deceased against latter's legal representative. Priest v. Business Men's Protective Assn., 117 Neb. 198, 220 N.W. 255 (1928). Under facts herein, insurance company was not an assessment association. Western Life & Accident Co. v. State Ins. Board, 101 Neb. 152, 162 N.W. 530 (1917).
NE Code § 44-803 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-803 - Assessments; limitations.

44-803.  Assessments; limitations.Any assessment association which has accumulated and maintains the same reserve for liabilities that is required of a stock or mutual company organized to transact the same business, and either a surplus or a contingency fund equal to the surplus required to be maintained by a stock or mutual company organized to transact the same business, may, in its bylaws or policies, limit the liability of its members for future assessments, but such limitation shall not be less than the amount of one assessment equal to the regular assessment specified in the policy. All assessments shall be made by the board of directors unless otherwise provided in the articles of association or the bylaws.Source   Laws 1913, c. 154, § 125, p. 463;   R.S.1913, § 3262;   Laws 1919, c. 190, tit. V, art. X, § 2, p. 644;   C.S.1922, § 7861;   C.S.1929, § 44-902;   Laws 1935, c. 95, § 1, p. 318;   C.S.Supp.,1941, § 44-902;   R.S.1943, § 44-803.
NE Code § 44-804 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-804 - Assessments; when authorized.

44-804.  Assessments; when authorized.No assessment shall be made on a member for liability occurring prior to his membership. A member may be excluded from all benefits during the time he is in default of payment of any assessment.Source   Laws 1913, c. 154, § 126, p. 463;   R.S.1913, § 3263;   Laws 1919, c. 190, tit. V, art. X, § 3, p. 644;   C.S.1922, § 7862;   C.S.1929, § 44-903;   R.S.1943, § 44-804.
NE Code § 44-805 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-805 - Membership; withdrawal.

44-805.  Membership; withdrawal.Any member may withdraw by surrendering his or her policy for cancellation at any time by giving notice in writing to the secretary of the association and paying the amount of his or her share of all claims then existing against the company in accordance with the bylaws of the company.Source   Laws 1913, c. 154, § 127, p. 463;   R.S.1913, § 3264;   Laws 1919, c. 190, tit. V, art. X, § 4, p. 645;   C.S.1922, § 7863;   C.S.1929, § 44-904;   R.S.1943, § 44-805;   Laws 1989, LB 92, § 163.  Annotations Under facts herein, insurance company was not an assessment association. Western Life & Accident Co. v. State Ins. Board, 101 Neb. 152, 162 N.W. 530 (1917).
NE Code § 44-806 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-806 - Losses; notice; adjustment.

44-806.  Losses; notice; adjustment.Every member of such association who may sustain loss or damage shall, as soon as practicable thereafter, notify the secretary thereof, stating the amount of damage or loss claimed. The person or persons authorized by such company to adjust losses shall proceed to ascertain the amount of such loss or damage, and adjust the same.Source   Laws 1913, c. 154, § 128, p. 464;   R.S.1913, § 3265;   Laws 1919, c. 190, tit. V, art. X, § 5, p. 645;   C.S.1922, § 7864;   C.S.1929, § 44-905;   R.S.1943, § 44-806. Annotations  Statutory provisions authorizing organization of assessment hail insurance company, articles of incorporation and by-laws of company, application for membership and policy issued thereon or the application if it is in fact a policy, constitute the contract. Schnell v. United Hail Ins. Co., 145 Neb. 768, 18 N.W.2d 112 (1945). Conversation with insurance company's employee three years after loss was not proper notice. Clark v. State Farmers Ins. Co., 142 Neb. 483, 7 N.W.2d 71 (1942).
NE Code § 44-807 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-807 - Assessments and losses; actions to recover.

44-807.  Assessments and losses; actions to recover.Suits at law may be brought against any member who shall neglect or refuse to pay any assessment made against him, in the same manner as for the collection of any other debt; and a member may bring an action against the company for any loss sustained.Source   Laws 1913, c. 154, § 129, p. 464;   R.S.1913, § 3266;   Laws 1919, c. 190, tit. V, art. X, § 6, p. 645;   C.S.1922, § 7865;   C.S.1929, § 44-906;   R.S.1943, § 44-807.
NE Code § 44-808 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-808 - Losses; officers; liability.

44-808.  Losses; officers; liability.If the officers and directors of an assessment association fail or refuse, after receiving notice of a loss, to act upon the notice of loss, they shall render themselves individually liable therefor, and an action may be maintained against them to collect such amount.Source   Laws 1913, c. 154, § 130, p. 464;   R.S.1913, § 3267;   Laws 1919, c. 190, tit. V, art. X, § 7, p. 645;   C.S.1922, § 7866;   C.S.1929, § 44-907;   R.S.1943, § 44-808;   Laws 1989, LB 92, § 164.  Annotations Officers and directors have such direct interest in result of suit against company for compensation for employee's death as to disqualify them as witnesses as to transactions between them and deceased against latter's legal representative. Priest v. Business Men's Protective Assn., 117 Neb. 198, 220 N.W. 255 (1928).
NE Code § 44-809 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-809 - Membership fees; amount; purpose.

44-809.  Membership fees; amount; purpose.Every such association may collect, at the time of the issuing of a policy, a membership fee not exceeding five dollars, and, if insuring property, a percentage of the amount insured not exceeding two and one-half percent, as an advance assessment, as the bylaws may provide. From the amount so collected, a contingency fund may be created, and such fund may be maintained and added to from any other funds collected by the company in the manner provided in the bylaws.Source   Laws 1913, c. 154, § 131, p. 464;   R.S.1913, § 3268;   Laws 1919, c. 190, tit. V, art. X, § 8, p. 645;   C.S.1922, § 7867;   C.S.1929, § 44-908;   Laws 1931, c. 88, § 1, p. 249;   C.S.Supp.,1941, § 44-908;   R.S.1943, § 44-809. Annotations Under facts herein, insurance company is not an assessment association. Western Life & Accident Co. v. State Ins. Board, 101 Neb. 152, 162 N.W. 530 (1917).
NE Code § 44-810 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-810 - Claims; payment; power to borrow.

44-810.  Claims; payment; power to borrow.Whenever the cash on hand, not including the contingency fund, shall be insufficient to pay all claims, then such deficiency may be taken from the contingency fund. If this fund is insufficient to meet all claims, then the company may borrow money for such purposes. Any diminution of the contingency fund shall be a liability to be provided for by the next assessment.Source   Laws 1913, c. 154, § 132, p. 464;   R.S.1913, § 3269;   Laws 1919, c. 190, tit. V, art. X, § 9, p. 645;   C.S.1922, § 7868;   C.S.1929, § 44-909;   R.S.1943, § 44-810.
NE Code § 44-811 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-811 - Losses; arbitration of claims; copy of award furnished.

44-811.  Losses; arbitration of claims; copy of award furnished.Any such association may provide in its bylaws for arbitrating any claim for loss or damage, where a member and the association fail to agree thereon. A copy of any adjustment or arbitration award on any claim for loss or damage shall be furnished the policyholder by the adjuster immediately when signed by the loss claimant.Source   Laws 1913, c. 154, § 133, p. 465;   R.S.1913, § 3270;   Laws 1919, c. 190, tit. V, art. X, § 10, p. 646;   C.S.1922, § 7869;   C.S.1929, § 44-910;   R.S.1943, § 44-811;   Laws 1947, c. 166, § 1, p. 474.
NE Code § 44-812 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-812 - Policies; maximum coverage; exceptions.

44-812.  Policies; maximum coverage; exceptions.No certificate or policy of an assessment association, insuring property, shall cover a longer period than five years from its date, unless such assessment association shall provide in its bylaws for readjustment or reappraisement of such property insured at least once in five years.Source   Laws 1913, c. 154, § 134, p. 465;   R.S.1913, § 3271;   Laws 1919, c. 190, tit. V, art. X, § 11, p. 646;   C.S.1922, § 7870;   C.S.1929, § 44-911;   R.S.1943, § 44-812.
NE Code § 44-821 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-821 - Domestic health and accident associations; deposit required.

44-821.  Domestic health and accident associations; deposit required.No domestic assessment association organized after August 24, 1941, shall be authorized to transact the business of health or accident insurance until it has deposited with the Department of Insurance the sum of ten thousand dollars in cash or securities as described in subdivision (4) of section 44-319.01.Source   Laws 1941, c. 89, § 1, p. 342;   C.S.Supp.,1941, § 44-807;   R.S.1943, § 44-821;   Laws 1957, c. 189, § 4, p. 663;   Laws 1959, c. 211, § 1, p. 731;   Laws 1991, LB 237, § 63.
NE Code § 44-822 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-822 - Domestic health and accident associations; deposit; use; restoration.

44-822.  Domestic health and accident associations; deposit; use; restoration.The deposit required in section 44-821 shall be used only for the payment of indemnities provided in policies issued by the depositor, and only upon a showing of necessity therefor made to the Department of Insurance, and after the approval thereof by the department. Such deposit shall be restored within such time and under such conditions as the department may direct by order.Source   Laws 1941, c. 89, § 2, p. 342;   C.S.Supp.,1941, § 44-808;   R.S.1943, § 44-822.
NE Code § 44-823 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-823 - Domestic health and accident associations; reserves; creation.

44-823.  Domestic health and accident associations; reserves; creation.Nothing in sections 44-821 to 44-825, or in any law enacted before August 24, 1941, shall be construed to place any limitation upon the right of any assessment association to create reserves for expenses, unearned premiums or claims, or to create a surplus or contingency fund in such amount as may in the opinion of its board of directors be deemed prudent for the future protection of its policyholders.Source   Laws 1941, c. 89, § 3, p. 342;   C.S.Supp.,1941, § 44-809;   R.S.1943, § 44-823.
NE Code § 44-825 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-825 - Foreign health and accident associations; deposit in state of domicile.

44-825.  Foreign health and accident associations; deposit in state of domicile.After August 24, 1941, no foreign assessment association shall be authorized to transact the business of accident or health insurance in this state unless it shall have assets on deposit with the insurance department of the state of its domicile in an amount at least equal to the requirements herein made applicable to like domestic associations.Source   Laws 1941, c. 89, § 6, p. 343;   C.S.Supp.,1941, § 44-812;   R.S.1943, § 44-825.
NE Code § 44-826 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-826 - Financial plans with other insurers to pool losses; conditions.

44-826.  Financial plans with other insurers to pool losses; conditions.Any assessment association insuring property against fire, windstorm, cyclone, tornado, or other hazard which may be catastrophic, may participate with other insurers in financial plans or pools to protect the participants against excessive losses due to such catastrophes. For such purposes association funds may be deposited with or promised to trustees for the participants and loaned by such trustees to participants sustaining such excessive losses with provision for repayment over a reasonable period of years; Provided, that not more than twenty cents for each hundred dollars of insurance in force may be deposited or committed under such plan; and provided further, that participation in such plan must be approved by the Director of Insurance.Source  Laws 1951, c. 134, § 1, p. 557.
NE Code § 44-901 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-901 - Act, how cited.

44-901.  Act, how cited.Sections 44-901 to 44-925 shall be known and may be cited as the Privacy of Insurance Consumer Information Act.Source Laws 2001, LB 52, § 1.
NE Code § 44-902 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-902 - Act; applicability.

44-902.  Act; applicability.(1) The Privacy of Insurance Consumer Information Act governs the treatment of nonpublic personal health information and nonpublic personal financial information about individuals by all licensees of the Department of Insurance. The act:(a) Requires a licensee to provide notice to individuals about its privacy policies and practices;(b) Describes the conditions under which a licensee may disclose nonpublic personal health information and nonpublic personal financial information about individuals to affiliates and nonaffiliated third parties; and(c) Provides methods for individuals to prevent a licensee from disclosing that information.(2) The act applies to:(a) Nonpublic personal financial information about individuals who obtain or are claimants or beneficiaries of products or services primarily for personal, family, or household purposes from licensees. The act does not apply to information about companies or about individuals who obtain products or services for business, commercial, or agricultural purposes; and(b) All nonpublic personal health information.(3) A licensee domiciled in this state that is in compliance with the act in a state that has not enacted laws or regulations that meet the requirements of Title V of the Gramm-Leach-Bliley Act, as the federal law existed on April 5, 2001, may nonetheless be deemed to be in compliance with Title V of the Gramm-Leach-Bliley Act, as such federal law existed on April 5, 2001, in such other state.Source Laws 2001, LB 52, § 2.
NE Code § 44-905 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-905 - Annual privacy notice to consumers; when required.

44-905.  Annual privacy notice to consumers; when required.(1) A licensee shall provide a clear and conspicuous notice to customers that accurately reflects its privacy policies and practices not less than annually during the continuation of the customer relationship. For purposes of this subsection, annually means at least once in any period of twelve consecutive months during which that relationship exists. A licensee may define the twelve-consecutive-month period, but the licensee shall apply it to the customer on a consistent basis.(2) A licensee is not required to provide an annual notice under subsection (1) of this section if the licensee:(a) Provides nonpublic personal information to nonaffiliated third parties only in accordance with sections 44-913 to 44-915; and(b) Has not changed its policies and practices with regard to disclosing nonpublic personal information from the policies and practices that were disclosed in the most recent disclosure sent to consumers in accordance with section 44-904 or subsection (1) of this section.(3)(a) A licensee is not required to provide an annual notice to a former customer.(b) For purposes of this subsection, a former customer is an individual with whom a licensee no longer has a continuing relationship. A former customer includes:(i) An individual who is no longer a current policyholder of an insurance product or no longer obtains insurance services with or through the licensee;(ii) An individual whose policy is lapsed, expired, or otherwise inactive or dormant under the licensee's business practices, and the licensee has not communicated with the customer about the relationship for a period of twelve consecutive months, other than to provide annual privacy notices, material required by law or regulation, or promotional materials;(iii) An individual whose last-known address according to the licensee's records is deemed invalid. An address of record is deemed invalid if mail sent to that address by the licensee has been returned by the postal authorities as undeliverable and if subsequent attempts by the licensee to obtain a current valid address for the individual have been unsuccessful; and(iv) In the case of providing real estate settlement services, the customer has completed execution of all documents related to the real estate closing, payment for those services has been received, or the licensee has completed all of its responsibilities with respect to the settlement, including filing documents on the public record, whichever is later.(4) When a licensee is required by this section to deliver an annual privacy notice, the licensee shall deliver it according to section 44-909.Source  Laws 2001, LB 52, § 5;  Laws 2017, LB241, § 1.