reglab/statecodes huggingface dataset:
2023 Iowa Code › Title XIII - COMMERCE › Chapter 508E - VIATICAL SETTLEMENT CONTRACTS › Section 508E.11 - Prohibited practices.

508E.11 Prohibited practices.
1. Except as provided in section 508E.12, it is a violation of this chapter for any person to enter into a viatical settlement contract at any time prior to the application or issuance of a policy which is the subject of a viatical settlement contract or within a five-year period commencing with the date of issuance of the insurance policy or certificate.
2. An insurer shall not, as a condition of responding to a request for verification of coverage or effecting the transfer of a policy pursuant to a viatical settlement contract, require that the viator, insured, viatical settlement provider, or viatical settlement broker sign any form, disclosure, consent, or waiver form that has not been expressly approved by the commissioner for use in connection with viatical settlement contracts in this state.
3. Upon receipt of a properly completed request for change of ownership or beneficiary of a policy, the insurer shall respond in writing within twenty days, with written acknowledgment confirming that the change has been effected or specifying the reasons why the requested change cannot be processed. The insurer shall not unreasonably delay effecting a change of ownership or beneficiary and shall not otherwise seek to interfere with any viatical settlement contract lawfully entered into in this state.
2008 Acts, ch 1155, §11
Referred to in §508E.10, 508E.12
2023 Iowa Code › Title XIII - COMMERCE › Chapter 508E - VIATICAL SETTLEMENT CONTRACTS › Section 508E.16 - Injunctions — civil remedies — cease and desist orders — civil penalty.

508E.16 Injunctions — civil remedies — cease and desist orders — civil penalty.
1. In addition to the penalties and other enforcement provisions of this chapter, if any person violates this chapter or any rule implementing this chapter, the commissioner may seek an injunction in a court of competent jurisdiction and may apply for a temporary or permanent order that the commissioner determines is necessary to restrain the person from committing the violation.
2. A person damaged by the act of a person in violation of this chapter may bring a civil action against the person committing the violation in a court of competent jurisdiction.
3. The commissioner may issue, in accordance with chapter 17A, a cease and desist order upon a person that violates any provision of this chapter, any rule or order adopted by the commissioner, or any written agreement entered into with the commissioner.
4. When the commissioner finds that an activity in violation of this chapter presents an immediate danger to the health, safety, or welfare of the public requiring immediate agency action, the commissioner may proceed under section 17A.18A.
5. In addition to the penalties and other enforcement provisions of this chapter, any person who violates this chapter is subject to a civil penalty of up to five thousand dollars for each violation of this chapter. The civil penalty shall be deposited as provided in section 505.7. If a person has not been ordered to pay restitution by a court, the commissioner’s order may require a person found to be in violation of this chapter to make restitution to a person aggrieved by a violation of this chapter.
6. Except for a fraudulent viatical settlement act committed by a viator, the enforcement provisions and penalties of this section shall not apply to a viator.
2008 Acts, ch 1155, §16; 2009 Acts, ch 181, §70
2023 Iowa Code › Title XIII - COMMERCE › Chapter 508E - VIATICAL SETTLEMENT CONTRACTS › Section 508E.17 - Unfair trade practices.

508E.17 Unfair trade practices.
A violation of this chapter, including the commission of a fraudulent viatical settlement act, is an unfair trade practice under chapter 507B and a person convicted of the violation is subject to the penalties contained in that chapter.
2008 Acts, ch 1155, §17
Referred to in §508E.10
2023 Iowa Code › Title XIII - COMMERCE › Chapter 508E - VIATICAL SETTLEMENT CONTRACTS › Section 508E.18 - Criminal penalties.

508E.18 Criminal penalties.
1. a. A person acting in this state as a viatical settlement provider or viatical settlement broker, without being licensed pursuant to section 508E.3, who willfully violates any provision of this chapter or any rule adopted or order issued under this chapter, is guilty of a class “D” felony.
b. A person acting in this state as a viatical settlement provider or viatical settlement broker, without proper licensure, who willfully violates any provision of this chapter, or any rule adopted or order issued under this chapter, and when such violation results in a loss of more than ten thousand dollars, is guilty of a class “C” felony.
2. The commissioner may refer such evidence as is available concerning violations of this chapter or of any rule adopted or order issued under this chapter, or of the failure of a person to comply with the licensing requirements of this chapter, to the attorney general or the proper county attorney who may, with or without such reference, institute the appropriate criminal proceedings under this chapter.
2008 Acts, ch 1155, §18
2023 Iowa Code › Title XIII - COMMERCE › Chapter 508E - VIATICAL SETTLEMENT CONTRACTS › Section 508E.19 - Authority to promulgate rules.

508E.19 Authority to promulgate rules.
The commissioner shall have the authority to do all of the following:
1. Adopt rules implementing and administering this chapter.
2. Establish standards for evaluating reasonableness of payments under viatical settlement contracts for persons who are terminally or chronically ill. This authority includes but is not limited to regulation of discount rates used to determine the amount paid in exchange for assignment, transfer, sale, devise, or bequest of a benefit under a life insurance policy insuring the life of a person who is chronically or terminally ill.
3. Establish appropriate licensing requirements, fees, and standards for continued licensure for viatical settlement providers and brokers.
4. Require a bond or other mechanism for financial accountability for viatical settlement providers and viatical settlement brokers.
5. Adopt rules governing the relationship and responsibilities of both insurers and viatical settlement providers and viatical settlement brokers during the viatication of a life insurance policy or certificate.
2008 Acts, ch 1155, §19
2023 Iowa Code › Title XIII - COMMERCE › Chapter 508E - VIATICAL SETTLEMENT CONTRACTS › Section 508E.20 - Public records.

508E.20 Public records.
All information filed with the commissioner pursuant to the requirements of this chapter and its implementing rules shall constitute a public record that is open for public inspection except as otherwise provided in this chapter.
2008 Acts, ch 1123, §18; 2008 Acts, ch 1191, §135
2023 Iowa Code › Title XIII - COMMERCE › Chapter 508F - CHARITABLE GIFT ANNUITIES › Section 508F.1 - Definitions.

508F.1 Definitions.
As used in this chapter, unless the context clearly indicates otherwise:
1. “Charitable gift annuity” means a transfer of property by a donor to a charitable organization in return for an annuity payable over one or two lives, if the actuarial value of the annuity is less than the value of the property transferred and the difference in value constitutes a charitable deduction for federal tax purposes.
2. “Charitable organization” means an entity described by any of the following:
a. Section 501(c)(3) of the Internal Revenue Code.
b. Section 170(c) of the Internal Revenue Code.
3. “Commissioner” means the commissioner of insurance.
4. “Internal Revenue Code” means the Internal Revenue Code of 1986 as designated by the Tax Reform Act of 1986, as amended to a date designated by rules adopted by the commissioner.
5. “Property” means anything of value that is subject to ownership, and includes but is not limited to property classified as real, personal, mixed, tangible or intangible, or any present or future interest in such property.
6. “Qualified charitable gift annuity” means a charitable gift annuity that is described by section 501(m)(5) or 514(c)(5) of the Internal Revenue Code, if all of the following apply:
a. The annuity agreement is issued by a charitable organization.
b. On the date that the annuity agreement is issued, the charitable organization has a minimum value of the lesser of three hundred thousand dollars or five times the face amount of total outstanding annuities in unrestricted cash, cash equivalents, or publicly traded securities. However, the total outstanding annuities as provided in this paragraph do not include assets funding the annuity agreement.
c. The charitable organization has been in continuous operation for at least three years or is a successor or affiliate of a charitable organization that has been in continuous operation for at least three years.
2001 Acts, ch 28, §2
2023 Iowa Code › Title XIII - COMMERCE › Chapter 508F - CHARITABLE GIFT ANNUITIES › Section 508F.2 - Qualified charitable gift annuity is not insurance.

508F.2 Qualified charitable gift annuity is not insurance.
1. The issuance of a qualified charitable gift annuity does not constitute engaging in the business of insurance in this state.
2. A charitable gift annuity that meets the requirements of a qualified charitable gift annuity shall be deemed to be a qualified charitable gift annuity for purposes of this chapter, regardless of whether the charitable gift annuity was issued prior to July 1, 2001. The issuance of that charitable gift annuity shall not be construed as engaging in the business of insurance in this state.
2001 Acts, ch 28, §3
2023 Iowa Code › Title XIII - COMMERCE › Chapter 508F - CHARITABLE GIFT ANNUITIES › Section 508F.3 - Annuity agreement — notice to donor.

508F.3 Annuity agreement — notice to donor.
An agreement for a qualified charitable gift annuity executed by a charitable organization and a donor shall be in writing. The annuity agreement shall include a notice stating that a qualified charitable gift annuity is not insurance under the laws of this state and is not subject to regulation by the commissioner or protected by an insurance guaranty fund or an insurance guaranty association. The notice required by this section shall be in a separate paragraph and in a type size no smaller than that generally used in the annuity agreement.
2001 Acts, ch 28, §4
Referred to in §508F.5
2023 Iowa Code › Title XIII - COMMERCE › Chapter 508F - CHARITABLE GIFT ANNUITIES › Section 508F.4 - Notice filed with the commissioner.

508F.4 Notice filed with the commissioner.
1. A charitable organization that issues qualified charitable gift annuities in this state on and after July 1, 2001, shall file a notice with the commissioner in writing not later than the date on which it executes the organization’s first qualified charitable annuity agreement. All of the following shall apply:
a. The notice must be signed by an officer or director of the charitable organization.
b. The notice must identify the name and address of the charitable organization.
c. The notice must include a copy of the determination letter issued by the internal revenue service.
d. The notice must certify that the charitable organization is a bona fide charitable organization and that the annuities issued by the charitable organization are qualified charitable gift annuities.
2. The charitable organization is not required to submit additional information, unless the information is to be used to determine appropriate penalties that may be applicable under section 508F.5.
2001 Acts, ch 28, §5
Referred to in §508F.5
2023 Iowa Code › Title XIII - COMMERCE › Chapter 508F - CHARITABLE GIFT ANNUITIES › Section 508F.5 - Failure to comply with requirements.

508F.5 Failure to comply with requirements.
1. The failure of a charitable organization to comply with the requirements of sections 508F.3 and 508F.4 does not prevent a charitable gift annuity that otherwise meets the requirements of this chapter from constituting a qualified charitable gift annuity.
2. The commissioner shall enforce performance of the requirements of sections 508F.3 and 508F.4. The commissioner may do any of the following:
a. Send a letter by restricted certified mail to the charitable organization demanding that the charitable organization comply with this chapter.
b. Establish and impose civil penalties on the charitable organization in an amount not to exceed one thousand dollars for each qualified charitable gift annuity issued until the charitable organization complies with the requirements of this chapter.
2001 Acts, ch 28, §6
Referred to in §508F.4
2023 Iowa Code › Title XIII - COMMERCE › Chapter 508F - CHARITABLE GIFT ANNUITIES › Section 508F.6 - Penalties.

508F.6 Penalties.
The commissioner may determine, after hearing, that the issuance of an annuity is not in compliance with this chapter and that the entity issuing the annuity is subject to the provisions and penalties of chapters 507A and 507B.
2001 Acts, ch 28, §7
2023 Iowa Code › Title XIII - COMMERCE › Chapter 509 - GROUP INSURANCE › Section 509.3A - Creditable coverage.

509.3A Creditable coverage.
For the purposes of any policies of group accident or health insurance or combination of such policies issued in this state, “creditable coverage” means health benefits or coverage provided to an individual under any of the following:
1. A group health plan.
2. Health insurance coverage.
3. Part A or Part B Medicare pursuant to Tit. XVIII of the federal Social Security Act.
4. Medicaid pursuant to Tit. XIX of the federal Social Security Act, other than coverage consisting solely of benefits under section 1928 of that Act.
5. 10 U.S.C. ch. 55.
6. A health or medical care program provided through the Indian health service or a tribal organization.
7. A state health benefits risk pool.
8. A health plan offered under 5 U.S.C. ch. 89.
9. A public health plan as defined under federal regulations.
10. A health benefit plan under section 5(e) of the federal Peace Corps Act, 22 U.S.C. §2504(e).
11. A short-term limited duration policy.
12. The hawk-i program authorized by chapter 514I.
2009 Acts, ch 118, §19; 2017 Acts, ch 148, §34
2023 Iowa Code › Title XIII - COMMERCE › Chapter 509 - GROUP INSURANCE › Section 509.4 - Employees of common employer — rates.

509.4 Employees of common employer — rates.
An insurer may issue policies of individual life, accident, health, hospital, medical, or surgical insurance or any combination thereof at reduced rates to employees of a common employer including the state, a county, school district, city, or institution supported in whole or in part by public funds, but the number of employees to be insured must be more than one. The premium for such policies may be paid wholly or in part by the employer. If such policies shall provide term life insurance renewable only during the continuance of employment with the employer they shall also provide for conversion to a level premium life policy substantially in accordance with the provisions of section 509.2, subsection 8.
[C24, 27, 31, §8675, 8678; C35, §8684-e1, -e5; C39, §8684.01, 8684.05; C46, §509.1, 509.5; C50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §509.4]
2015 Acts, ch 29, §72
2023 Iowa Code › Title XIII - COMMERCE › Chapter 509 - GROUP INSURANCE › Section 509.5 - Authorized companies.

509.5 Authorized companies.
1. Any level premium life insurance company, organized on the stock or mutual plan and authorized to transact business under the provisions of chapter 508 may, upon complying with the provisions of said chapter and of this chapter, issue contracts providing for group life, or health, or accident insurance, or combinations thereof as defined in this chapter.
2. A casualty company organized on the stock or mutual plan, or accident and health association authorized to transact business under chapter 515, or a reciprocal or interinsurance exchange organized under chapter 520, may, by complying with those chapters and this chapter, issue contracts providing for health or accident insurance, or combinations of health and accident insurance, as defined in this chapter.
[C24, 27, 31, §8677; C35, §8684-e4; C39, §8684.04; C46, §509.4; C50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §509.5]
89 Acts, ch 83, §68
2023 Iowa Code › Title XIII - COMMERCE › Chapter 509 - GROUP INSURANCE › Section 509.6 - Approval of commissioner.

509.6 Approval of commissioner.
No policy or certificate of group insurance shall be issued in this state until the form thereof has been filed with the commissioner of insurance and approved by the commissioner.
[C24, 27, 31, §8678; C35, §8684-e7; C39, §8684.07; C46, §509.7; C50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §509.6]
Referred to in §509.7, 509.8
2023 Iowa Code › Title XIII - COMMERCE › Chapter 509 - GROUP INSURANCE › Section 509.7 - Grounds for revocation of authority.

509.7 Grounds for revocation of authority.
Failure to comply with section 509.6 shall be deemed sufficient grounds for revocation of the certificate of authority of any company so violating.
[C35, §8684-e8; C39, §8684.08; C46, §509.8; C50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §509.7]
2023 Iowa Code › Title XIII - COMMERCE › Chapter 509 - GROUP INSURANCE › Section 509.8 - Foreign policies.

509.8 Foreign policies.
Policies of group insurance issued in other states or countries by companies organized in this state may contain any provision required by the laws of the state, territory, district, or country in which the same are issued, anything in section 509.6 to the contrary notwithstanding.
[C24, 27, 31, §8679; C35, §8684-e9; C39, §8684.09; C46, §509.9; C50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §509.8]
2023 Iowa Code › Title XIII - COMMERCE › Chapter 509 - GROUP INSURANCE › Section 509.9 - Foreign companies.

509.9 Foreign companies.
Policies of group insurance, when issued in this state by any company not organized under the laws of this state, may contain when issued any provision required by the law of the state, territory, or district of the United States under which the company is organized.
[C24, 27, 31, §8680; C35, §8684-e10; C39, §8684.10; C46, §509.10; C50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §509.9]
2023 Iowa Code › Title XIII - COMMERCE › Chapter 509 - GROUP INSURANCE › Section 509.10 - Other provisions in policies.

509.10 Other provisions in policies.
Any group policy may contain any other provisions which meet the approval of the commissioner of insurance, provided such provisions are not in conflict with the standard provisions of section 509.2 or 509.3.
[C24, 27, 31, §8681; C35, §8684-e11; C39, §8684.11; C46, §509.11; C50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §509.10]
2023 Iowa Code › Title XIII - COMMERCE › Chapter 509 - GROUP INSURANCE › Section 509.11 - Voting by policyholders.

509.11 Voting by policyholders.
If policyholders are entitled to vote at meetings of a domestic insurance company, each policyholder of a group policy shall be entitled to one vote.
[C24, 27, 31, §8682; C35, §8684-e12; C39, §8684.12; C46, §509.12; C50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §509.11]
2023 Iowa Code › Title XIII - COMMERCE › Chapter 509 - GROUP INSURANCE › Section 509.12 - Proceeds exempt from execution.

509.12 Proceeds exempt from execution.
A policy of group insurance and the proceeds of the policy are exempt from execution and attachment to the same extent as provided in chapter 627.
[C24, 27, 31, §8683; C35, §8684-e13; C39, §8684.13; C46, §509.13; C50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §509.12]
88 Acts, ch 1255, §1
2023 Iowa Code › Title XIII - COMMERCE › Chapter 509 - GROUP INSURANCE › Section 509.13 - Rules.

509.13 Rules.
The commissioner of insurance shall issue rules establishing minimum standards for group Medicare supplement policies and minimum standards for benefits under coverages contained in group Medicare supplement policies. These rules shall be consistent with those rules established for individual Medicare supplement policies pursuant to chapter 514D. The commissioner also shall establish by rule reasonable and creditable anticipated minimum loss ratios for group Medicare supplement policies. Rules issued by the commissioner shall give issuers of group Medicare supplement policies a reasonable time to achieve compliance.
[81 Acts, ch 167, §1]
2023 Iowa Code › Title XIII - COMMERCE › Chapter 509 - GROUP INSURANCE › Section 509.14 - Group insurance on franchise plan.

509.14 Group insurance on franchise plan.
It shall be lawful for an authorized insurer to issue life, accident and sickness insurance policies on a franchise plan at reduced rates, covering the members of an association, subject to the following:
1. An “association” as referred to herein shall consist of a labor union, trade association, association of employees, industrial association or professional association, which has been organized and operating more than two years for purposes other than procuring insurance.
2. A “franchise plan” as referred to herein shall consist of an insurance policy or policies covering the insurable members of an association, but in no case less than ten. Such policies may be written in the name of the association or may be written individually for the insured members, subject to the following:
a. A life insurance policy written in the name of the association, shall conform to the provisions of section 509.2.
b. An individual policy on the life of a member of an association, providing for term insurance renewable only during the continuation of membership, shall also provide in the event of termination of membership the same provision for conversion as set out in section 509.2, subsection 8.
c. An individual life policy written on any basis other than term shall provide that the policyholder may elect to continue it in force upon the policyholder’s termination of membership in the association by giving the insurer a notice in writing of such election within thirty days thereafter and paying therefor the renewal premium, which the insurer may increase to reflect the normal individual rate for the policyholder as determined by the policyholder’s age and class at the date of issue of the policy.
d. If an accident and sickness policy is written in the name of the association, it shall conform to the provisions of section 509.3.
e. An individual accident and sickness policy shall be subject to the provisions of chapter 514A.
f. Premiums for such policies may be paid entirely from the funds of the association, entirely from the funds of the members or partly from the funds of each.
g. Accident and sickness policies may include the spouse and dependents of the insured.
[C54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §509.14]
Referred to in §509.19, 514D.3, 514D.4
2023 Iowa Code › Title XIII - COMMERCE › Chapter 509 - GROUP INSURANCE › Section 509.15 - Assignment of policy.

509.15 Assignment of policy.
Any person insured under a group life insurance policy may assign the rights, benefits and all other incidents of ownership conferred on the person by any provision of such policy or by law, including specifically and not by way of limitation the right, if any, to have issued to the person an individual policy and the right to name a beneficiary. Subject to the terms of the policy or agreement between the insured, the group policyholder and the insurer, any such assignment, whether made before or after July 1, 1971, is valid for the purpose of vesting in the assignee, in accordance with any provisions included therein as to the time at which it is to be effective, all rights, benefits and incidents of ownership conferred upon the insured under the policy and shall entitle the insurer to deal with the assignee as the owner of such rights, benefits and incidents of ownership, provided the insurer shall not be affected by any assignment until the insurer has received written notice thereof. This section shall be construed as declaring the law as it existed prior to July 1, 1971 and not modifying it.
[C73, 75, 77, 79, 81, §509.15]
2023 Iowa Code › Title XIII - COMMERCE › Chapter 509 - GROUP INSURANCE › Section 509.16 - Premium rates approved.

509.16 Premium rates approved.
1. An individual policy of credit life or credit accident and health insurance or certificate under a policy of group credit life or credit accident and health insurance shall not be issued for delivery or delivered in this state unless the premium rates charged for the insurance are approved by the commissioner of insurance.
2. The commissioner of insurance, after notice and hearing, may adopt rules as are necessary to identify specific methods of competition or acts or practices within the business of credit life and credit accident and health insurance which are unfair or deceptive.
[C75, 77, 79, 81, §509.16]
90 Acts, ch 1234, §27
2023 Iowa Code › Title XIII - COMMERCE › Chapter 509 - GROUP INSURANCE › Section 509.17 - Guidelines for rates.

509.17 Guidelines for rates.
Rates shall be made in accordance with the following provisions:
1. Rates shall not be excessive, inadequate or unfairly discriminatory.
2. Due consideration shall be given to past and prospective loss experience within and outside this state, to a reasonable margin for underwriting profit and contingencies, to past and prospective expenses both countrywide and those especially applicable to this state, and to all other relevant factors within and outside this state.
3. The commissioner shall, after a public hearing, approve a reasonable charge or premium for credit accident and health insurance and for credit life insurance as the commissioner deems appropriate and necessary for the implementation of this section.
[C71, 73, §535.2; C75, 77, 79, 81, §509.17]
90 Acts, ch 1234, §28, 29
2023 Iowa Code › Title XIII - COMMERCE › Chapter 509 - GROUP INSURANCE › Section 509.18 - Prohibited deposit in financial institution.

509.18 Prohibited deposit in financial institution.
A company or its agent licensed to sell a policy of credit life or credit accident and health insurance or certificate under a policy of group credit life or credit accident and health insurance shall not deposit or offer to deposit funds in a financial institution of this state in exchange for the privilege of selling such insurance to or on behalf of the financial institution.
[C75, 77, 79, 81, §509.18]
2004 Acts, ch 1110, §27
2023 Iowa Code › Title XIII - COMMERCE › Chapter 509 - GROUP INSURANCE › Section 509.19 - Claims and premium disclosure.

509.19 Claims and premium disclosure.
1. a. A person issuing a policy or contract providing group health benefit coverages to a group of fifty-one or more eligible employees as defined in chapter 513B shall provide to the policyholder, contract holder, or sponsor of the group health benefit plan, upon request, annually, but not more than three months prior to the policy renewal date, the total amount of actual claims identified as paid or incurred and paid, and the total amount of premiums by line of coverage. If premiums are not billed for each line of coverage, it is not necessary to artificially separate premiums for each line of coverage and will be acceptable to supply total premiums for the period.
b. For purposes of this section, “line of coverage” includes medical, prescription drug card program, dental, vision, long-term disability, and short-term disability.
c. The information required by paragraph “a” shall be provided by the carrier for two separate years, either policy years or rolling twelve-month periods.
d. The information required by paragraph “a” shall not disclose any confidential information or otherwise disclose the identity of an individual insured, subscriber, or enrollee, who has submitted a claim within the time frame of the report.
2. For purposes of this section, “person issuing a policy or contract providing group health benefit coverages” includes all of the following:
a. A person issuing a group policy of accident or health insurance pursuant to this chapter.
b. A person issuing a group contract of a nonprofit health service corporation pursuant to chapter 514.
c. A person issuing a group contract of a health maintenance organization pursuant to chapter 514B.
d. A multiple employer welfare arrangement, as defined in section 3 of the federal Employee Retirement Income Security Act of 1974, 29 U.S.C. §1002, paragraph 40, or a multiple employer welfare arrangement formed as an association health plan pursuant to
29 C.F.R. pt. 2510
, that meets the requirements of chapter 513D.
e. A plan for public employees established pursuant to chapter 509A.
f. A person issuing or sponsoring an association group policy under section 509.14.
90 Acts, ch 1159, §1; 2002 Acts, ch 1111, §12; 2003 Acts, ch 91, §11; 2016 Acts, ch 1011, §93; 2017 Acts, ch 148, §35; 2021 Acts, ch 181, §8
2023 Iowa Code › Title XIII - COMMERCE › Chapter 509A - GROUP INSURANCE FOR PUBLIC EMPLOYEES › Section 509A.1 - Authority of governing body.

509A.1 Authority of governing body.
The governing body of the state, school district, or any institution supported in whole or in part by public funds may establish plans for and procure group insurance, health or medical service, or health flexible spending accounts as described in section 125 of the Internal Revenue Code of 1986 for the employees of the state, school district, or tax-supported institution.
[C50, 54, 58, 62, §365A.1; C66, §509.15; C71, 73, 75, 77, 79, 81, S81, §509A.1; 81 Acts, ch 117, §1085]
99 Acts, ch 200, §20
2023 Iowa Code › Title XIII - COMMERCE › Chapter 509A - GROUP INSURANCE FOR PUBLIC EMPLOYEES › Section 509A.2 - Sources of funds.

509A.2 Sources of funds.
The funds for such plans shall be created solely from the contributions of employees, or from contributions wholly or in part by the governing body.
[C50, 54, 58, 62, §365A.2; C66, §509.16; C71, 73, 75, 77, 79, 81, §509A.2]
Referred to in §509A.3
2023 Iowa Code › Title XIII - COMMERCE › Chapter 509A - GROUP INSURANCE FOR PUBLIC EMPLOYEES › Section 509A.3 - Assessment of employees.

509A.3 Assessment of employees.
1. All employees participating in any such plan the fund of which is created under the provisions of section 509A.2 shall be assessed and required to pay an amount to be fixed by the governing body not to exceed the two percent which shall be contributed by the public body according to the plan adopted, and the amount so assessed shall be deducted and retained out of the wages or salaries of such employees.
2. Any employee may authorize deductions from the employee’s wages or salary in payment for plans authorized in this chapter in the manner provided in section 514.16.
[C50, 54, 58, 62, §365A.3; C66, §509.17; C71, 73, 75, 77, 79, 81, §509A.3]
2019 Acts, ch 24, §104
2023 Iowa Code › Title XIII - COMMERCE › Chapter 509A - GROUP INSURANCE FOR PUBLIC EMPLOYEES › Section 509A.4 - Participation optional.

509A.4 Participation optional.
Participation in any such plan shall be optional with all employees eligible to the benefits thereof as provided by the rules adopted by the governing body pursuant thereto. Election to participate therein shall be in writing signed by the employee and filed with the governing body.
[C50, 54, 58, 62, §365A.4; C66, §509.18; C71, 73, 75, 77, 79, 81, §509A.4]
2023 Iowa Code › Title XIII - COMMERCE › Chapter 509A - GROUP INSURANCE FOR PUBLIC EMPLOYEES › Section 509A.5 - Fund under control of governing body — interest earnings of certain funds.

509A.5 Fund under control of governing body — interest earnings of certain funds.
1. The fund for each plan shall be under the control and shall be expended under the directions of the governing body and shall be used solely for the purpose of administering and carrying out the provisions of the plan adopted by the governing body.
2. Any interest earnings from investments or time deposits of the funds under the control of the state executive council shall be deposited to the credit of these funds.
[C50, 54, 58, 62, §365A.5; C66, §509.19; C71, 73, 75, 77, 79, 81, §509A.5]
84 Acts, ch 1071, §1; 85 Acts, ch 266, §2; 2019 Acts, ch 24, §104
Referred to in §8A.454
2023 Iowa Code › Title XIII - COMMERCE › Chapter 509A - GROUP INSURANCE FOR PUBLIC EMPLOYEES › Section 509A.6 - Contract with insurance carrier or health maintenance organization.

509A.6 Contract with insurance carrier or health maintenance organization.
The governing body may contract with a nonprofit corporation operating under the provisions of this chapter or chapter 514 or with any insurance company having a certificate of authority to transact an insurance business in this state with respect of a group insurance plan, which may include life, accident, health, hospitalization and disability insurance during period of active service of such employees, with the right of any employee to continue such life insurance in force after termination of active service at such employee’s sole expense; may contract with a nonprofit corporation operating under and governed by the provisions of this chapter or chapter 514 with respect of any hospital or medical service plan; and may contract with a health maintenance organization authorized to operate in this state with respect to health maintenance organization activities.
[C50, 54, 58, 62, §365A.6; C66, §509.20; C71, 73, 75, 77, 79, 81, §509A.6]
95 Acts, ch 162, §10; 2017 Acts, ch 148, §36
2023 Iowa Code › Title XIII - COMMERCE › Chapter 509A - GROUP INSURANCE FOR PUBLIC EMPLOYEES › Section 509A.7 - Employee defined.

509A.7 Employee defined.
The word “employee” as used in this chapter does not include temporary or retired employees except as otherwise provided in this chapter. However, this section does not prevent a retired employee sixty-five years of age or older from voluntarily continuing in force, at the employee’s own expense, an existing contract.
[C50, 54, 58, 62, §365A.7; C66, §509.21; C71, 73, 75, 77, 79, 81, §509A.7; 82 Acts, ch 1101, §2]
84 Acts, ch 1285, §24
2023 Iowa Code › Title XIII - COMMERCE › Chapter 509A - GROUP INSURANCE FOR PUBLIC EMPLOYEES › Section 509A.8 - Rules.

509A.8 Rules.
The governing body of public bodies establishing any such plan under this chapter shall administer such plan and formulate and establish rules for the operation thereof, not inconsistent with the provisions of this chapter.
[C50, 54, 58, 62, §365A.8; C66, §509.22; C71, 73, 75, 77, 79, 81, §509A.8]
2023 Iowa Code › Title XIII - COMMERCE › Chapter 509A - GROUP INSURANCE FOR PUBLIC EMPLOYEES › Section 509A.9 - Exemption from debts.

509A.9 Exemption from debts.
All amounts payable to employees under and pursuant to the plan of group insurance established as provided in this chapter shall be exempt from liability for debts of the person to or on account of whom the same is payable and shall not be subject to seizure upon execution or other process.
[C50, 54, 58, 62, §365A.9; C66, §509.23; C71, 73, 75, 77, 79, 81, §509A.9]
2020 Acts, ch 1063, §277
2023 Iowa Code › Title XIII - COMMERCE › Chapter 509A - GROUP INSURANCE FOR PUBLIC EMPLOYEES › Section 509A.10 - Decisions of governing body final.

509A.10 Decisions of governing body final.
The decisions of the governing body upon all matters upon which the said governing body is empowered to act, under and pursuant to the provisions of this chapter, shall be final and conclusive, in the absence of fraud, and no appeal shall be allowed therefrom nor shall such decisions of the governing body, in the absence of fraud, be reviewed, enjoined or set aside by any court.
[C50, 54, 58, 62, §365A.10; C66, §509.24; C71, 73, 75, 77, 79, 81, §509A.10]
2020 Acts, ch 1063, §278
2023 Iowa Code › Title XIII - COMMERCE › Chapter 509A - GROUP INSURANCE FOR PUBLIC EMPLOYEES › Section 509A.11 - Definitions.

509A.11 Definitions.
For purposes of this chapter:
1. “Governing body” means the executive council of the state, the school boards of school districts, and the superintendent or other person in charge of an institution supported in whole or in part by public funds.
2. “Public body” means the state, a school district or an institution supported in whole or in part by public funds.
[C58, 62, §365A.11; C66, §509.25; C71, 73, 75, 77, 79, 81, S81, §509A.11; 81 Acts, ch 117, §1086]
2023 Iowa Code › Title XIII - COMMERCE › Chapter 509A - GROUP INSURANCE FOR PUBLIC EMPLOYEES › Section 509A.12 - Deferred compensation program for governmental employees.

509A.12 Deferred compensation program for governmental employees.
1. A governing body, county board of supervisors, or other public entity, to the extent allowed by law, may establish a deferred compensation program under this section. The contributions made on behalf of an employee who chooses to participate in the program shall be invested at the direction of the employee in a life insurance contract, annuity contract, mutual fund, security, or any other deferred payment contract offered as an investment option under the program. The contract acquired for an employee shall be in accordance with the plan document and shall be acquired from a company, or a salesperson for that company, that is authorized to do business in this state. When the state of Iowa acquires an investment product pursuant to the plan document the state does not become a shareholder, stockholder, or owner of a corporation in violation of
Article VIII, section 3, of the Constitution of the State of Iowa
or any other provision of law.
2. This section is in addition to any benefit program provided by law for employees of the state or its political subdivisions.
[C73, 75, 77, 79, 81, S81, §509A.12; 81 Acts, ch 117, §1087]
94 Acts, ch 1183, §80; 95 Acts, ch 162, §11; 97 Acts, ch 185, §10; 2019 Acts, ch 24, §104
Referred to in §8A.433, 8A.434, 8A.435, 8F.2, 12B.10, 12B.10A, 12B.10B, 12B.10C, 12C.1, 331.324
2023 Iowa Code › Title XIII - COMMERCE › Chapter 509A - GROUP INSURANCE FOR PUBLIC EMPLOYEES › Section 509A.13 - Continuation of group insurance.

509A.13 Continuation of group insurance.
1. If a governing body, a county board of supervisors, or a city council has procured for its employees accident, health, or hospitalization insurance, or a medical service plan, or has contracted with a health maintenance organization authorized to do business in this state, the governing body, county board of supervisors, or city council shall allow its employees who retired before attaining sixty-five years of age to continue participation in the group plan or under the group contract at the employee’s own expense until the employee attains sixty-five years of age.
2. This section applies to employees who retired on or after January 1, 1981.
84 Acts, ch 1285, §25; 86 Acts, ch 1243, §32; 2019 Acts, ch 24, §104
Referred to in §80.6A, 456A.13A
2023 Iowa Code › Title XIII - COMMERCE › Chapter 509A - GROUP INSURANCE FOR PUBLIC EMPLOYEES › Section 509A.13A - Continuation of group insurance covering spouses.

509A.13A Continuation of group insurance covering spouses.
1. As used in this section, unless the context otherwise requires:
a. “Eligible retired state employee” means a former employee of the government of the state of Iowa, including but not limited to any departments, agencies, boards, bureaus, or commissions of the state of Iowa, who is receiving the minimum level of retirement benefits for eligibility under this section and who is participating in a state health or medical group insurance plan which covers the former employee and the former employee’s spouse at the time of the death of the former employee.
b. “Minimum level of retirement benefits for eligibility under this section” means any of the following:
(1) The eligible retired state employee has received retirement benefits under the retirement system established in chapter 97A based upon the completion of at least twenty-two years of membership service.
(2) The eligible retired state employee has received retirement benefits under the retirement system established in chapter 97B.
(3) The eligible retired state employee has received retirement benefits under the retirement system established in chapter 602, article 9.
c. “State health or medical group insurance plan” means a health or medical group insurance plan for employees of the state.
2. Notwithstanding any provision of law to the contrary, in the event of the death of an eligible retired state employee, the surviving spouse of the eligible retired state employee whose insurance would otherwise terminate because of the death of the eligible retired state employee may elect to continue to be a member of the state health or medical group insurance plan by requesting continuation in writing to the department of administrative services within thirty-one days after the death of the eligible retired state employee. The surviving spouse shall pay the total premium for the state health or medical group insurance plan and shall have the same rights to change programs or coverage as state employees.
94 Acts, ch 1183, §81; 98 Acts, ch 1183, §71, 79; 99 Acts, ch 200, §21; 2003 Acts, ch 145, §286
2023 Iowa Code › Title XIII - COMMERCE › Chapter 509A - GROUP INSURANCE FOR PUBLIC EMPLOYEES › Section 509A.13B - Coverage of children — continuation or reenrollment.

509A.13B Coverage of children — continuation or reenrollment.
If a governing body, a county board of supervisors, or a city council has procured accident or health care coverage for its employees under this chapter, such coverage shall permit continuation of existing coverage or reenrollment in previously existing coverage for an individual who meets the requirements of section 513B.2, subsection 14, paragraph “a”, “b”, “c”, “d”, or “e”, and who is an unmarried child of an insured or enrollee who so elects, at least through the policy anniversary date on or after the date the child marries, ceases to be a resident of this state, or attains the age of twenty-five years old, whichever occurs first, or so long as the unmarried child maintains full-time status as a student in an accredited institution of postsecondary education.
2008 Acts, ch 1188, §39, 43; 2009 Acts, ch 118, §8, 11
2023 Iowa Code › Title XIII - COMMERCE › Chapter 509A - GROUP INSURANCE FOR PUBLIC EMPLOYEES › Section 509A.13C - Health care coverage for surviving spouse and children of fire fighters and peace officers killed in the line of duty.

509A.13C Health care coverage for surviving spouse and children of fire fighters and peace officers killed in the line of duty.
1. For the purposes of this section, “eligible peace officer or fire fighter” means a peace officer as defined in section 801.4, or a fire fighter, to which a line of duty death benefit is payable pursuant to section 97A.6, subsection 16, section 97B.52, subsection 2, or section 411.6, subsection 15.
2. a. If a governing body, a county board of supervisors, or a city council has procured accident or health care coverage for its employees under this chapter, such coverage shall permit continuation of existing coverage or reenrollment in previously existing coverage for the surviving spouse and each surviving child of an eligible peace officer or fire fighter.
b. A governing body, a county board of supervisors, or a city council shall also permit continuation of existing coverage for the surviving spouse and each surviving child of a peace officer as defined in section 801.4, or a fire fighter who dies and to which a line of duty death benefit is reasonably expected to be payable pursuant to section 97A.6, subsection 16, section 97B.52, subsection 2, or section 411.6, subsection 15, until such time as the determination of whether to provide a line of duty death benefit is made.
3. A governing body, a county board of supervisors, or a city council providing accident or health care coverage under this section shall not be required to pay for the cost of the coverage. However, a governing body, a county board of supervisors, or a city council may pay the full cost or a portion of the cost of the coverage. If the full cost of the coverage is not paid, a surviving spouse and each surviving child eligible for coverage under this section may elect to continue accident or health care coverage by paying that portion of the cost of the coverage not paid by the governing body, county board of supervisors, or city council.
4. A governing body, a county board of supervisors, or a city council shall notify the provider of accident or health care coverage for its employees of a surviving spouse and each surviving child to be provided coverage pursuant to the requirements of this section.
5. This section shall not require continuation of coverage if the surviving spouse or surviving child who would otherwise be entitled to continuation of coverage under this section was, through the surviving spouse’s or surviving child’s actions, a substantial contributing factor to the death of the eligible peace officer or fire fighter.
2018 Acts, ch 1172, §76, 78, 79
Referred to in §80.47
Section applies retroactively to a death occurring on or after January 1, 1985; 2018 Acts, ch 1172, §78, 79
2023 Iowa Code › Title XIII - COMMERCE › Chapter 509A - GROUP INSURANCE FOR PUBLIC EMPLOYEES › Section 509A.14 - Approval of self-insurance plans.

509A.14 Approval of self-insurance plans.
The commissioner of insurance shall adopt rules for self-insurance plans for life insurance and accident and health insurance for a political subdivision of the state or a school corporation. The rules adopted shall include, but are not limited to, the following:
1. A requirement that the plan shall include all coverages and provisions that are required by law in insurance policies for the type of risk that the self-insurance plan is intended to cover.
2. A requirement that if the resources of the plan are inadequate to fully cover a claim under the plan, then the public body is liable for any portion of the claim that is left unpaid.
85 Acts, ch 251, §2; 92 Acts, ch 1162, §12; 93 Acts, ch 88, §9
Referred to in §296.7, 331.301, 364.4
2023 Iowa Code › Title XIII - COMMERCE › Chapter 509B - CONTINUATION OF GROUP HEALTH INSURANCE › Section 509B.1 - Definitions.

509B.1 Definitions.
As used in this chapter, unless the context otherwise requires:
1. “Accident or health insurance” means hospital, surgical, or major medical insurance, or a combination of these.
2. “Commissioner” means the state commissioner of insurance.
3. “Group policy” means a group accident or health insurance policy issued by an insurance company under chapter 509, a group accident or health contract issued by a health service corporation under chapter 514, or a plan for health care services provided by a health maintenance organization under chapter 514B, or issued or provided by any similar corporation or organization.
4. “Insurance”, “insures”, and “insured” refer to coverage under a group policy, individual policy, or converted policy on a premium-paying basis, and do not include coverage provided solely as an accrued liability or by reason of a disability extension.
5. “Insurer” means the entity issuing a group policy or an individual or converted policy.
6. “Medicare” means Tit. XVIII of the United States Social Security Act.
7. “Premium” includes any premium or payment or other consideration payable for coverage under a group or individual policy.
86 Acts, ch 1124, §1; 2006 Acts, ch 1117, §36; 2012 Acts, ch 1023, §78
Referred to in §514C.3
2023 Iowa Code › Title XIII - COMMERCE › Chapter 509B - CONTINUATION OF GROUP HEALTH INSURANCE › Section 509B.2 - Persons included in this chapter.

509B.2 Persons included in this chapter.
1. As used in this chapter, “termination of employment or membership” includes but is not limited to termination because of permanent or temporary layoff or approved leave of absence. A provision in this chapter which relates to termination of insurance under a group policy of an employee or member and the employee’s or member’s covered dependents includes termination of insurance with respect to the surviving or former spouse or children of an employee or member whose insurance would terminate because of dissolution or annulment of the marriage of the employee or member, or would terminate because of death of the employee or member.
2. A provision in this chapter which relates to an employee or member includes the surviving or former spouse or children if termination occurs because of dissolution or annulment of a marriage or death of an employee or member.
86 Acts, ch 1124, §2