reglab/housing_qa huggingface dataset:
WY Stat § 26-18-109 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 18 - Disability Insurance Policies|Article 1 - General Provisions|Section 26-18-109 - Notice of Claim; Loss-of-Time Benefit.

26-18-109. Notice of claim; loss-of-time benefit.| (a) "Notice of Claim: Written notice of claim shall be given to the insurer within sixty (60) days after the occurrence or commencement of any loss covered by the policy, or as soon thereafter as is reasonably possible. Notice given by or on behalf of the insured or the beneficiary to the insurer at .... (insert the location of the office the insurer designates for the purpose), or to any authorized agent of the insurer, with information sufficient to identify the insured, is deemed notice to the insurer."  (b) In a policy providing a loss-of-time benefit which may be payable for at least two (2) years, an insurer may insert the following between the first and second sentence of the provision specified in subsection (a) of this section: "Subject to the qualifications set forth in this provision, if the insured suffers loss of time because of disability for which indemnity is payable for at least two (2) years, at least once in every six (6) months after having given notice of the claim, he shall give to the insurer notice of continuance of the disability, except in the event of legal incapacity. The period of six (6) months following any filing of proof by the insured or any payment by the insurer because of the claim or any denial of liability in whole or in part by the insurer shall be excluded in applying this provision. Delay in giving the notice does not impair the insured's right to any indemnity which would otherwise have accrued during the period of six (6) months preceding the date on which the notice is actually given."
WY Stat § 26-18-110 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 18 - Disability Insurance Policies|Article 1 - General Provisions|Section 26-18-110 - Claim Forms.

26-18-110. Claim forms.| "Claim Forms: The insurer, upon receipt of a notice of claim, will furnish to the claimant the forms it usually furnishes for filing proofs of loss. If the forms are not furnished within fifteen (15) days after giving notice, the claimant is deemed to have complied with the requirements of this policy as to proof of loss upon submitting, within the time fixed in the policy for filing proofs of loss, written proof covering the occurrence, the character and extent of the loss for which claim is made."
WY Stat § 26-18-111 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 18 - Disability Insurance Policies|Article 1 - General Provisions|Section 26-18-111 - Proofs of Loss.

26-18-111. Proofs of loss.| "Proofs of Loss: Written proof of loss shall be furnished to the insurer at its office in case of claim for loss for which this policy provides any periodic payment, contingent upon continuing loss within ninety (90) days after the termination of the period for which the insurer is liable, and in case of claim for any other loss within ninety (90) days after the date of the loss. Failure to furnish proof within the time required does not invalidate nor reduce any claim if it is not reasonably possible to give proof within that time, provided the proof is furnished as soon as reasonably possible and, except in the absence of legal capacity, not later than one (1) year from the time proof is otherwise required."
WY Stat § 26-18-112 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 18 - Disability Insurance Policies|Article 1 - General Provisions|Section 26-18-112 - Time of Payment of Claims.

26-18-112. Time of payment of claims.| "Time of Payment of Claims: Indemnities payable under this policy for any loss, other than loss for which this policy provides any periodic payment, shall be paid immediately upon receipt of written proof of the loss. Subject to written proof of loss, all accrued indemnities for loss for which this policy provides periodic payment shall be paid .... (insert period for payment which shall not be less frequently than monthly) and any balance remaining unpaid upon the termination of liability shall be paid immediately upon receipt of written proof."
WY Stat § 26-18-113 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 18 - Disability Insurance Policies|Article 1 - General Provisions|Section 26-18-113 - Payment of Claims.

26-18-113. Payment of claims.| (a) "Payment of Claims: Indemnity for loss of life is payable in accordance with the beneficiary designation and the provisions respecting that payment which may be prescribed in this policy and effective at the time of payment. If no designation or provision is then effective, the indemnity is payable to the insured's estate. Any other accrued indemnities unpaid at the insured's death, at the insurer's option, may be paid either to the beneficiary or to the estate. Any other indemnities are payable to the insured."  (b) Either or both of the following provisions may be included with the provision specified in subsection (a) of this section at the insurer's option:  (i) "If any indemnity of this policy is payable to the insured's estate, or to an insured or beneficiary who is a minor or otherwise not competent to give a valid release, the insurer may pay the indemnity, up to an amount not exceeding $.... (insert an amount which shall not exceed $1,000), to any relative by blood or connection by marriage of the insured or beneficiary whom the insurer deems to be equitably entitled thereto. Any payment the insurer makes in good faith pursuant to this provision discharges the insurer to the extent of the payment."  (ii) "Subject to the insured's written direction in the application or otherwise, all or a portion of any indemnities provided by this policy because of hospital, nursing, medical or surgical services, at the insurer's option and unless the insured requests otherwise in writing not later than the time of filing proofs of the loss, may be paid directly to the hospital or person rendering the services, but it is not required that the service be rendered by a particular hospital or person."
WY Stat § 26-18-114 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 18 - Disability Insurance Policies|Article 1 - General Provisions|Section 26-18-114 - Physical Examination and Autopsy.

26-18-114. Physical examination and autopsy.| "Physical Examinations and Autopsy: The insurer at its own expense has the right to examine the person of the insured when and as often as it reasonably requires during the pendency of a claim under the policy and to make an autopsy in case of death if it is not forbidden by law."
WY Stat § 26-18-115 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 18 - Disability Insurance Policies|Article 1 - General Provisions|Section 26-18-115 - Legal Actions.

26-18-115. Legal actions.| "Legal Actions: No action at law or in equity shall be brought to recover on this policy prior to the expiration of sixty (60) days after written proof of loss is furnished in accordance with the requirements of this policy. No such action shall be brought after the expiration of three (3) years after the time written proof of loss is required to be furnished."
WY Stat § 26-18-116 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 18 - Disability Insurance Policies|Article 1 - General Provisions|Section 26-18-116 - Change of Beneficiary.

26-18-116. Change of beneficiary.| (a) "Change of Beneficiary: Unless the insured makes an irrevocable designation of beneficiary, the right to change the beneficiary is reserved to the insured, and the consent of the beneficiary is not requisite to the surrender or assignment of this policy or to any change of beneficiary, or to any other changes in this policy."  (b) The clause relating to the irrevocable designation of beneficiary may be omitted at the insurer's option.
WY Stat § 26-18-117 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 18 - Disability Insurance Policies|Article 1 - General Provisions|Section 26-18-117 - Optional Policy Provisions.

26-18-117. Optional policy provisions.| Except as provided in W.S. 26-18-104(b), no disability insurance policy delivered or issued for delivery to any person in this state shall contain provisions as set forth in W.S. 26-18-118 through 26-18-127 unless the wording of those provisions is the same as it appears in the applicable section, except that the insurer may use a corresponding provision of different wording the commissioner approves which is not less favorable in any respect to the insured or the beneficiary. The corresponding provision shall be preceded individually by the appropriate caption or, at the insurer's option, by appropriate individual or group captions or subcaptions the commissioner approves.
WY Stat § 26-18-118 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 18 - Disability Insurance Policies|Article 1 - General Provisions|Section 26-18-118 - Change of Occupation.

26-18-118. Change of occupation.| "Change of Occupation: If the insured is injured or becomes ill after having changed his occupation to one the insurer classifies as more hazardous than that stated in this policy or while doing for compensation anything pertaining to an occupation so classified, the insurer shall pay only that portion of the indemnities provided in this policy as the premium paid would have purchased at the rates and within the limits fixed by the insurer for the more hazardous occupation. If the insured changes his occupation to one the insurer classifies as less hazardous than that stated in this policy, the insurer, upon receipt of proof of the change of occupation, shall reduce the premium rate accordingly, and shall return the excess pro rata unearned premium from the date of change of occupation or from the policy anniversary date immediately preceding receipt of the proof, whichever is more recent. In applying this provision, the classification of occupational risk and the premium rates shall be those the insurer last filed, prior to the occurrence of the loss for which the insurer is liable or prior to date of proof of change in occupation, with the state official having supervision of insurance in the state where the insured resided at the time this policy was issued. If the filings specified were not required, then the classification of occupational risk and the premium rates shall be those the insurer last made effective in that state prior to the occurrence of the loss or prior to the date of proof of change in occupation."
WY Stat § 26-18-119 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 18 - Disability Insurance Policies|Article 1 - General Provisions|Section 26-18-119 - Misstatement of Age.

26-18-119. Misstatement of age.| "Misstatement of Age: If the insured's age is misstated, all amounts payable under this policy shall be such as the premium paid would have purchased at the correct age."
WY Stat § 26-18-120 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 18 - Disability Insurance Policies|Article 1 - General Provisions|Section 26-18-120 - Overinsurance; Same Insurer.

26-18-120. Overinsurance; same insurer.| "If any accident or sickness or accident and sickness policy previously issued by the insurer to the insured is in force concurrently with this policy, making the aggregated indemnity for .... (insert type of coverage or coverages) in excess of $.... (insert maximum limit of indemnity or indemnities), the excess insurance is void and all premiums paid for the excess shall be returned to the insured or to his estate." or, instead: "Insurance effective at any one time on the insured under this policy and a like policy in this insurer is limited to one (1) policy the insured, his beneficiary or his estate elects, and the insurer shall return all premiums paid for the other policies."
WY Stat § 26-18-123 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 18 - Disability Insurance Policies|Article 1 - General Provisions|Section 26-18-123 - Unpaid Premiums.

26-18-123. Unpaid premiums.| "Unpaid Premiums: Upon the payment of a claim under this policy, any premium then due and unpaid or covered by any note or written order may be deducted from the amount of the claim paid."
WY Stat § 26-18-124 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 18 - Disability Insurance Policies|Article 1 - General Provisions|Section 26-18-124 - Conformity With State Statutes.

26-18-124. Conformity with state statutes.| "Conformity with State Statutes: Any provision of this policy which, on its effective date, is in conflict with the statutes of the state in which the insured resides on that date is amended to conform to the minimum requirements of those statutes."
WY Stat § 26-18-125 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 18 - Disability Insurance Policies|Article 1 - General Provisions|Section 26-18-125 - Illegal Occupation.

26-18-125. Illegal occupation.| "Illegal Occupation: The insurer is not liable for any loss to which a contributing cause is the insured's commission of or attempt to commit a felony or to which a contributing cause is the insured's engaging in an illegal occupation."
WY Stat § 26-18-126 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 18 - Disability Insurance Policies|Article 1 - General Provisions|Section 26-18-126 - Intoxicants and Narcotics.

26-18-126. Intoxicants and narcotics.| "Intoxicants and Narcotics: The insurer is not liable for any loss sustained or contracted because of the insured's being intoxicated or under the influence of any narcotic unless administered on the advice of a physician."
WY Stat § 26-18-127 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 18 - Disability Insurance Policies|Article 1 - General Provisions|Section 26-18-127 - Renewability.

26-18-127. Renewability.| (a) Disability insurance policies, other than accident insurance only policies, in which the insurer reserves the right to refuse renewal on an individual basis, shall provide in substance in a provision in the policy or in an endorsement thereon or rider attached thereto that:  (i) Subject to the right to terminate the policy upon nonpayment of premium when due, the right to refuse renewal may not be exercised so as to take effect before the renewal date occurring on, or after and nearest, each policy anniversary (or in the case of lapse and reinstatement, at the renewal date occurring on, or after and nearest, each anniversary of the last reinstatement); and  (ii) Any refusal of renewal is without prejudice to any claim originating while the policy is in force.  (b) The insurer may omit the parenthetic reference to lapse and reinstatement in paragraph (a)(i) of this section.
WY Stat § 26-18-128 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 18 - Disability Insurance Policies|Article 1 - General Provisions|Section 26-18-128 - Order of Provisions of Policy.

26-18-128. Order of provisions of policy.| The provisions specified in W.S. 26-18-105 through 26-18-127 or any corresponding provisions used instead of the provisions in those sections shall be printed in the consecutive order of the provisions in W.S. 26-18-105 through 26-18-127 or, at the insurer's option, any such provision may appear as a unit in any part of the policy, with other provisions to which it is logically related, provided that the resulting policy shall not be in any part unintelligible, ambiguous or likely to mislead a person to whom the policy is offered, delivered or issued.
WY Stat § 26-18-129 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 18 - Disability Insurance Policies|Article 1 - General Provisions|Section 26-18-129 - Third-Party Ownership.

26-18-129. Third-party ownership.| "Insured", as used in this chapter, shall not be construed as preventing a person, other than the insured, with a proper insurable interest from making application for and owning a policy covering the insured or from being entitled under that policy to any indemnities, benefits and rights provided therein.
WY Stat § 26-18-130 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 18 - Disability Insurance Policies|Article 1 - General Provisions|Section 26-18-130 - Requirements of Other Jurisdictions.

26-18-130. Requirements of other jurisdictions.| Any policy of a foreign or alien insurer, when delivered or issued for delivery to any person in this state, may contain any provision which is not less favorable to the insured or the beneficiary than the provisions of this chapter and which is prescribed or required by the law of the state or country under which the insurer is organized.
WY Stat § 26-18-131 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 18 - Disability Insurance Policies|Article 1 - General Provisions|Section 26-18-131 - Policies Issued for Delivery in Another State.

26-18-131. Policies issued for delivery in another state.| If any policy is issued by a domestic insurer for delivery to a person residing in another state, and if the insurance commissioner or corresponding public official of the other state informs the commissioner that the policy is not subject to approval or disapproval by the official, the commissioner, by ruling, may require that the policy meet the standards set forth in W.S. 26-18-103 through 26-18-130.
WY Stat § 26-18-132 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 18 - Disability Insurance Policies|Article 1 - General Provisions|Section 26-18-132 - Policies Less Favorable Than Provisions of Chapter Prohibited.

26-18-132. Policies less favorable than provisions of chapter prohibited.| Any policy provision which is not subject to this chapter shall not make a policy, or any portion thereof, less favorable in any respect to the insured or the beneficiary than the provisions of the policy which are subject to this chapter.
WY Stat § 26-18-133 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 18 - Disability Insurance Policies|Article 1 - General Provisions|Section 26-18-133 - Age Limit.

26-18-133. Age limit.| If a policy contains a provision establishing, as an age limit or otherwise, a date after which the coverage provided by the policy is not effective, and if that date falls within a period for which the insurer accepts a premium or if the insurer accepts a premium after that date, the coverage provided by the policy continues in force until the end of the period for which premium is accepted. If the insured's age is misstated and if according to the insured's correct age the coverage provided by the policy would not be effective, or would cease prior to the acceptance of the premium, the insurer's liability is limited to the refund, upon request, of all premiums paid for the period not covered by the policy.
WY Stat § 26-18-134 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 18 - Disability Insurance Policies|Article 1 - General Provisions|Section 26-18-134 - Prohibited Policy Plans and Provisions.

26-18-134. Prohibited policy plans and provisions.| (a) No insurer shall deliver or issue for delivery in this state any disability insurance policy:  (i) Providing benefits or values for surviving or continuing policyholders contingent upon the lapse or termination for any reason of other policyholders policies;  (ii) Containing any clause, provision or agreement providing a premium, deposit or other payment for, or promising the distribution of, any bonus, special fund or guaranteed payment other than the insurance benefits specified in the policy, except that this restriction does not apply to the payment of dividends to the holders of participating policies.
WY Stat § 26-18-135 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 18 - Disability Insurance Policies|Article 1 - General Provisions|Section 26-18-135 - Filing of Rates; Adherence to Rates Filed.

26-18-135. Filing of rates; adherence to rates filed.| Each insurer issuing disability insurance policies for delivery in this state, before use thereof, shall file with the commissioner its premium rates and classification of risks pertaining to the policies. The insurer shall adhere to its rates and classifications as filed with the commissioner. The insurer may change the filings as it deems proper.
WY Stat § 26-18-136 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 18 - Disability Insurance Policies|Article 1 - General Provisions|Section 26-18-136 - Franchise Disability Insurance.

26-18-136. Franchise disability insurance.| (a) Disability insurance on a franchise plan is that form of disability insurance issued to:  (i) Four (4) or more employees of any corporation, copartnership or individual employer or any governmental corporation, agency or department thereof; or  (ii) Ten (10) or more members, employees or employees of members of any labor union or of any trade, professional or other association which:  (A) Has a constitution or bylaws; and  (B) Repealed by Laws 2003, Ch. 160, § 2.  (C) Issues to the persons specified in this paragraph, with or without their dependents, the same form of an individual policy varying only as to amounts and kinds of coverage applied for by those persons under an arrangement in which the premiums on the policies may be paid to the insurer periodically by:  (I) The employer, with or without payroll deductions;  (II) The association or union for its members; or  (III) Some designated person acting on behalf of the employer, association or union.  (b) "Employees", as used in this section, includes the officers, managers, employees and retired employees of the employer and the individual proprietor or partners if the employer is an individual proprietor or partnership.  (c) Prior to marketing or offering any disability insurance for a franchise plan formed for the sole purpose of obtaining insurance, the producer shall file a written report with the department setting forth the name of the entity or entities, the insurer and its address and the offering producer and his address. The department shall keep the name of the association confidential.  (d) The provisions of the Small Employer Health Insurance Availability Act, W.S. 26-19-301 et seq., shall apply to all insurance issued under this section.
WY Stat § 26-18-201 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 18 - Disability Insurance Policies|Article 2 - Multi-State Cooperation|Section 26-18-201 - Definitions.

26-18-201. Definitions.| (a) As used in this article:  (i) "Comprehensive individual medical and surgical insurance policy" shall have the same meaning as "health benefit plan" as that term is defined in W.S. 26-19-302(a)(xii), including, at a minimum, comprehensive major medical coverage for medical and surgical benefits;  (ii) "Health insurance," "health benefit plan" and "health benefit policy" mean a health benefit plan as defined by W.S. 26-19-302(a)(xii);  (iii) "High deductible health plan" means accident and sickness insurance plans sold or maintained under the applicable provisions of section 223 of the Internal Revenue Code;  (iv) "Primary state" means the state designated by the issuer as the state whose covered laws shall govern the health insurance issuer in the sale of health insurance coverage;  (v) "Secondary state" means any state that is not the primary state.