reglab/statecodes huggingface dataset:
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-22 - Chapter 22 the Insurance Contract (500.2204...500.2266) › Section 500.2213e - Rescission of Health Insurance Policy; Conditions; "Rescind Coverage" Defined; Application.

500.2213e Rescission of health insurance policy; conditions; "rescind coverage" defined; application.
Sec. 2213e.
(1) An insurer that delivers, issues for delivery, or renews in this state a health insurance policy with respect to an individual, including a group to which the individual belongs or family coverage in which the individual is included, shall not rescind coverage under the policy unless both of the following apply:
(a) Either of the following applies:
(i) The individual or a person seeking coverage on behalf of the individual performs an act, practice, or omission that constitutes fraud. For purposes of this subparagraph, a person seeking coverage on behalf of an individual does not include an employee or authorized representative of the insurer or a producer.
(ii) The individual makes an intentional misrepresentation of material fact.
(b) The insurer provides written notice to the individual at least 30 days before the recission.
(2) As used in this section, "rescind coverage" means a cancellation or discontinuance of coverage that has retroactive effect. A cancellation or discontinuance of coverage is not a rescission if any of the following apply:
(i) The cancellation or discontinuance of coverage has only a prospective effect.
(ii) The cancellation or discontinuance of coverage is effective retroactively, to the extent it is attributable to a failure to timely pay required premiums or contributions, including COBRA premiums, toward the cost of coverage. As used in this subparagraph, "COBRA" means the consolidated omnibus budget reconciliation act of 1985, Public Law 99-272.
(iii) The cancellation or discontinuance of coverage is initiated by the individual or by the individual's authorized representative and the sponsor, employer, plan, or issuer does not, directly or indirectly, take action to influence the individual's decision to cancel or discontinue coverage retroactively or otherwise take any adverse action or retaliate against, interfere with, coerce, intimidate, or threaten the individual.
(iv) The cancellation or discontinuance of coverage is initiated by an exchange established under the patient protection and affordable care act, Public Law 111-148, as amended by the health care and education reconciliation act of 2010, Public Law 111-152, and any regulations promulgated under those acts.
(3) This section applies to a health insurance policy delivered, issued for delivery, or renewed in this state before, on, or after the date of the effective date of the amendatory act that added this section.
History:
Add. 2023, Act 162, Eff. Feb. 13, 2024
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-22 - Chapter 22 the Insurance Contract (500.2204...500.2266) › Section 500.2214 - Disability Insurance; Application, Use as Evidence.

500.2214 Disability insurance; application, use as evidence.
Sec. 2214.
(1) An insured is not bound by a statement made in an application for a disability insurance policy unless the application is included in the policy when the policy is issued. For purposes of this subsection, an application is not included in a policy unless the policy specifically states that it includes the application.
(2) If a policy described in subsection (1) that was delivered or issued for delivery to a person in this state is reinstated or renewed and the insured or a beneficiary or assignee of the policy makes a written request to the insurer for a copy of any application for reinstatement or renewal, the insurer shall, within 15 days after receiving the request at the home office or a branch office of the insurer, deliver or mail to the person making the request a copy of the application. If the copy is not delivered or mailed as required by this subsection, the insurer is precluded from introducing the application as evidence in an action or proceeding based on or involving the policy or the reinstatement or renewal.
History:
1956, Act 218, Eff. Jan. 1, 1957 ;-- Am. 2016, Act 276, Imd. Eff. July 1, 2016
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-22 - Chapter 22 the Insurance Contract (500.2204...500.2266) › Section 500.2216 - Life or Disability Insurance; Alteration of Application.

500.2216 Life or disability insurance; alteration of application.
Sec. 2216.
No alteration of any written application for any life or disability insurance policy shall be made by any person other than the applicant without his written consent, except that insertions may be made by the insurer, for administrative purposes only, in such manner as to indicate clearly that such insertions are not to be ascribed to the applicant.
History:
1956, Act 218, Eff. Jan. 1, 1957 ;-- Am. 1957, Act 91, Eff. Sept. 27, 1957
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-22 - Chapter 22 the Insurance Contract (500.2204...500.2266) › Section 500.2218 - Disability Insurance; False Statement in Application; Effect.

500.2218 Disability insurance; false statement in application; effect.
Sec. 2218.
The falsity of any statement in the application for any disability insurance policy covered by chapter 34 of this code may not bar the right to recovery thereunder unless such false statement materially affected either the acceptance of the risk or the hazard assumed by the insurer.
(1) No misrepresentation shall avoid any contract of insurance or defeat recovery thereunder unless the misrepresentation was material. No misrepresentation shall be deemed material unless knowledge by the insurer of the facts misrepresented would have led to a refusal by the insurer to make the contract.
(2) A representation is a statement as to past or present fact, made to the insurer by or by the authority of the applicant for insurance or the prospective insured, at or before the making of the insurance contract as an inducement to the making thereof. A misrepresentation is a false representation, and the facts misrepresented are those facts which make the representation false.
(3) In determining the question of materiality, evidence of the practice of the insurer which made the contract with respect to the acceptance or rejection of similar risks shall be admissible.
(4) A misrepresentation that an applicant for life, accident or health insurance has not had previous medical treatment, consultation or observation, or has not had previous treatment or care in a hospital or other like institution, shall be deemed, for the purpose of determining its materiality, a misrepresentation that the applicant has not had the disease, ailment or other medical impairment for which such treatment or care was given or which was discovered by any licensed medical practitioner as a result of such consultation or observation. If in any action to rescind any contract or to recover thereon, any misrepresentation is proved by the insurer, and the insured or any other person having or claiming a right under the contract, shall prevent full disclosure and proof of the nature of the medical impairment, the misrepresentation shall be presumed to have been material.
History:
1956, Act 218, Eff. Jan. 1, 1957 ;-- Am. 1957, Act 91, Eff. Sept. 27, 1957
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-22 - Chapter 22 the Insurance Contract (500.2204...500.2266) › Section 500.2220 - Life Insurance; Solicitor as Agent of Insurer.

500.2220 Life insurance; solicitor as agent of insurer.
Sec. 2220.
Any person who shall solicit an application for insurance upon the life of another shall, in any controversy between the insured or his beneficiary and the insurer issuing any policy upon such application, be regarded as the agent of the insurer and not the agent of the insured.
History:
1956, Act 218, Eff. Jan. 1, 1957
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-22 - Chapter 22 the Insurance Contract (500.2204...500.2266) › Section 500.2226 - Life Insurance; Benefits, Manner of Payment, Period, and Premiums to Be Contained in Policy.

500.2226 Life insurance; benefits, manner of payment, period, and premiums to be contained in policy.
Sec. 2226.
(1) A life insurer shall not make with or issue to any citizen or resident of this state any contract of life insurance that does not distinctly state the amount of the life benefits, the manner of payment, the period of the continuance, and the amount of the annual, semi-annual, or quarterly premium, or by which the payment of the life benefit assured shall be contingent upon the payment of assessments made upon surviving members and shall be made in accordance with the statutes now or hereafter regulating the business of life insurance. For a universal or variable life insurance contract, the insurer shall clearly and specifically state the amount of benefits or manner in which the benefits are calculated.
(2) Every policy of life insurance hereafter issued or delivered within this state by any life insurer doing business within this state shall contain the entire contract between the parties and nothing shall be incorporated therein by reference to any constitution, bylaws, rules, application, or other writing unless the same are endorsed upon or attached to the policy when issued.
(3) For standard provisions required in life insurance contracts see chapters 40, 42, and 44.
History:
1956, Act 218, Eff. Jan. 1, 1955 ;-- Am. 1993, Act 349, Eff. Oct. 1, 1994
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-22 - Chapter 22 the Insurance Contract (500.2204...500.2266) › Section 500.2228 - Automobile Insurance; Contents of Policy.

500.2228 Automobile insurance; contents of policy.
Sec. 2228.
(1) No policy of insurance against fire, theft, property damage, collision, and/or liability in connection with automobile coverage shall be issued, unless the premium and amount of coverage is stated in the policy.
(2) For other provisions required in such policies, see chapter 30 of this code (casualty insurance contracts).
History:
1956, Act 218, Eff. Jan. 1, 1957
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-22 - Chapter 22 the Insurance Contract (500.2204...500.2266) › Section 500.2230 - Mutual Insurers Other Than Life; Contents of Policy.

500.2230 Mutual insurers other than life; contents of policy.
Sec. 2230.
Mutual insurers, other than life insurers, may insert in any form of policy prescribed by the law of this state any provisions or conditions required by its plan of insurance, which are not inconsistent or in conflict with any law of this state. Such policy, in lieu of conforming to the language and form prescribed by such law, may conform thereto in substance, if such policy includes a provision or endorsement reciting that the policy shall be construed as if in the language and form prescribed by such law, and a copy of such policy and endorsement, if any, shall have been first filed with and shall not have been disapproved by the commissioner.
History:
1956, Act 218, Eff. Jan. 1, 1957
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-22 - Chapter 22 the Insurance Contract (500.2204...500.2266) › Section 500.2232 - Reciprocal Insurers; Contents of Policy.

500.2232 Reciprocal insurers; contents of policy.
Sec. 2232.
A reciprocal insurer may insert in any form of policy prescribed by the law of this state any provisions or conditions required by its plan of insurance which are not inconsistent or in conflict with the law of this state. Such policy, in lieu of conforming to the language and form prescribed by such law, shall be held to conform thereto in substance if such policy includes a provision or endorsement reciting that the policy shall be construed as if in the language and form prescribed by such law.
History:
1956, Act 218, Eff. Jan. 1, 1957
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-22 - Chapter 22 the Insurance Contract (500.2204...500.2266) › Section 500.2235 - Written Notice to Insured Under Worker's Compensation Insurance Policy.

500.2235 Written notice to insured under worker's compensation insurance policy.
Sec. 2235.
At least annually, in conjunction with a renewal notice, a bill, or other notice of payment due issued in connection with a policy of worker's compensation insurance, an insurer shall send to each insured a written notice containing all of the following statements:
(a) A description of the insured's right to all pertinent rating information within a reasonable time after making a written request and paying reasonable charges.
(b) A description of the procedures whereby an insured or an insured's representatives may request a review of the way in which the insured's rates and premiums have been determined, including a statement of the insured's right to appeal the result of the review to the commissioner.
(c) Relevant information regarding the right of an insured to obtain a payroll audit under section 2008.
(d) Relevant information regarding the right of an insured to request a conference with a management representative to review reserve or redemption decisions by the insurer under section 2419.
History:
Add. 1982, Act 7, Eff. Jan. 1, 1983
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-22 - Chapter 22 the Insurance Contract (500.2204...500.2266) › Section 500.2236a - Interest Indexed Universal Life Insurance; Information to Be Maintained on File.

500.2236a Interest indexed universal life insurance; information to be maintained on file.
Sec. 2236a.
All of the following information shall be maintained on file by the insurer for all interest indexed universal life insurance policies:
(a) A description of how the interest credits are determined, including all of the following:
(i) A description of the index.
(ii) The relationship between the value of the index and the actual interest rate to be credited.
(iii) The frequency and timing that determines the interest rate.
(iv) If more than 1 rate of interest applies to different portions of the policy value, the allocation of interest credits.
(b) The insurer's investment policy, which shall include a description of all of the following:
(i) How the insurer addresses the reinvestment risks.
(ii) How the insurer plans to address the risk of capital loss on cash outflows.
(iii) How the insurer plans to address the risk that appropriate investments may not be available or not available in sufficient quantities.
(iv) How the insurer plans to address the risk that the indexed interest rate may fall below the minimum contractual interest rate guaranteed in the policy.
(v) The amount and type of assets currently held for interest indexed policies.
(vi) The amount and type of assets expected to be acquired in the future.
(c) If a policy is linked to an index for a specified period less than the maturity date of the policy, a description of the method to be used to determine interest credits upon the expiration of the period.
(d) A description of any interest guarantee in addition to or in lieu of the index.
(e) A description of any maximum premium limitations and the conditions under which they apply.
History:
Add. 1993, Act 349, Eff. Oct. 1, 1994
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-22 - Chapter 22 the Insurance Contract (500.2204...500.2266) › Section 500.2237 - Policy Issued Under Chapter 34; Prohibited Restriction of Liability.

500.2237 Policy issued under chapter 34; prohibited restriction of liability.
Sec. 2237.
An insurer shall not deliver in this state an insurance policy issued under chapter 34, or issue the policy for delivery in this state, if the policy contains a provision that restricts the liability of the insurer to pay expenses because the expenses are incurred while the insured is in a hospital, institution, or other facility operated by this state or a political subdivision of this state if the insured would be legally required to pay the expenses in the absence of insurance.
History:
Add. 1961, Act 133, Eff. Sept. 8, 1961 ;-- Am. 2016, Act 276, Imd. Eff. July 1, 2016
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-22 - Chapter 22 the Insurance Contract (500.2204...500.2266) › Section 500.2238 - Repealed. 1970, Act 180, Imd. Eff. Aug. 3, 1970.

500.2238 Repealed. 1970, Act 180, Imd. Eff. Aug. 3, 1970.
Compiler's Notes:
The repealed section pertained to basic form of policy of insurance of personal property.
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-22 - Chapter 22 the Insurance Contract (500.2204...500.2266) › Section 500.2239 - Health Care Service Rendered by Dentist; Benefits or Reimbursement; “Dentist” Defined; Policies to Which Section Applicable.

500.2239 Health care service rendered by dentist; benefits or reimbursement; “dentist” defined; policies to which section applicable.
Sec. 2239.
(1) If a group or individual hospital, medical, or expense incurred policy delivered, issued for delivery, or renewed in this state provides for benefits for a health care service, those benefits or reimbursement for the provision of the service shall not be denied because the service was rendered by a dentist, provided the service was legally performed.
(2) As used in this section, "dentist" means an individual licensed under part 166 of Act No. 368 of the Public Acts of 1978, being sections 333.16601 to 333.16647 of the Michigan Compiled Laws.
(3) This section shall apply only with respect to policies issued or renewed on or after the effective date of this section, and shall apply notwithstanding any policy provision to the contrary.
History:
Add. 1982, Act 291, Imd. Eff. Oct. 7, 1982
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-22 - Chapter 22 the Insurance Contract (500.2204...500.2266) › Section 500.2243 - Group Policies; Optometric Service; Coverage.

500.2243 Group policies; optometric service; coverage.
Sec. 2243.
(1) Notwithstanding any provision of a policy or contract of group accident, group health, or group accident and health insurance, executed after July 23, 1965, if the policy or contract provides for reimbursement for any optometric service that is within the lawful scope of practice of a duly licensed optometrist, a subscriber to such group accident, group health, or group accident and group health insurance policy or contract shall be entitled to reimbursement for such service, whether the service is performed by a physician or a duly licensed optometrist. Unless the policy or contract of group accident, group health, or group accident and health insurance otherwise provides, there shall be no reimbursement for ophthalmic materials, lenses, spectacles, eyeglasses, or appurtenances.
(2) If a subscriber contract provides for and offers optometric services, the subscriber shall have freedom of choice to select either a physician or an optometrist to render the services. Unless the subscriber contract otherwise provides, there shall be no reimbursement for ophthalmic materials, lenses, spectacles, eyeglasses, or appurtenances.
(3) This section does not require coverage or reimbursement for a practice of optometric service unless that service was included in the definition of practice of optometry under section 17401 of the public health code, Act No. 368 of the Public Acts of 1978, being section 333.17401 of the Michigan Compiled Laws, as of May 20, 1992.
History:
Add. 1965, Act 349, Imd. Eff. July 23, 1965 ;-- Am. 1994, Act 438, Eff. Mar. 30, 1995
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-22 - Chapter 22 the Insurance Contract (500.2204...500.2266) › Section 500.2246 - Insured or Applicant for Life Insurance Policy as Victim of Domestic Violence; Refusal to Provide Coverage Prohibited; Exceptions; Liability; Applicability to Policies on or After June 1, 1998; “Domestic Violence” Defined.

500.2246 Insured or applicant for life insurance policy as victim of domestic violence; refusal to provide coverage prohibited; exceptions; liability; applicability to policies on or after June 1, 1998; “domestic violence” defined.
Sec. 2246.
(1) A life insurer that delivers, issues for delivery, or renews in this state a life insurance policy shall not rate, cancel coverage on, refuse to provide coverage for, or refuse to issue or renew a policy solely because an insured or applicant for insurance is or has been a victim of domestic violence.
(2) This section does not prevent any of the following:
(a) An insurer from refusing to issue a life insurance policy insuring an individual who has been the victim of domestic violence if the individual who commits the domestic violence is the applicant for, prospective owner of, or beneficiary under the policy and 1 or more of the following apply:
(i) The applicant, prospective owner, or beneficiary under the policy is known on the basis of police or court records to have committed domestic violence.
(ii) The insurer knows of an arrest or conviction for a domestic violence related offense by the applicant for, prospective owner of, or beneficiary under the policy.
(iii) The insurer has reasonable grounds to believe that the applicant for, prospective owner of, or beneficiary under the policy is committing domestic violence.
(b) An insurer from inquiring about, underwriting, or charging a different premium on the basis of the individual's physical or mental condition, regardless of the cause of the condition.
(c) An insurer from refusing to issue a life insurance policy if the applicant for, prospective owner of, or beneficiary under the policy does not have an insurable interest in the life of the prospective insured individual.
(3) An insurer shall not be held civilly liable for any cause of action that may result from compliance with this section.
(4) This section applies to all life insurance policies issued or renewed on or after June 1, 1998.
(5) As used in this section, "domestic violence" means inflicting bodily injury, causing serious emotional injury or psychological trauma, or placing in fear of imminent physical harm by threat or force a person who is a spouse or former spouse of, has or has had a dating relationship with, resides or has resided with, or has a child in common with the person committing the violence.
History:
Add. 1998, Act 130, Imd. Eff. June 24, 1998
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-22 - Chapter 22 the Insurance Contract (500.2204...500.2266) › Section 500.2248 - Automobile Insurance; Delivery of Policy to Insured.

500.2248 Automobile insurance; delivery of policy to insured.
Sec. 2248.
(1) A policy of insurance against fire, theft, property damage, collision, or liability in connection with automobile coverage shall not be issued unless the policy, or an exact copy of the policy, is delivered to the insured.
(2) For purposes of this section, a personal automobile insurance policy and endorsements that do not contain personally identifiable information may be delivered by mailing, delivery, or posting on the insurer's internet website. If the insurer elects to post an insurance policy and endorsements on its internet website in lieu of mailing or delivering them to the named insured, the insurer shall comply with all of the following conditions:
(a) The policy and endorsements are easily accessible and remain easily accessible for as long as the policy is in force.
(b) After the expiration of the policy, the insurer archives the policy and endorsements and makes them available on request at no charge or for a reasonable charge.
(c) The policy and endorsements are posted in a manner that enables the insured to print and save the policy and endorsements using programs or applications that are widely available on the internet and free to use.
(d) The insurer provides notice to the named insured with each declarations page of a method by which an insured may obtain, on request and without charge, a paper or electronic copy of the policy or endorsements.
(e) On each declarations page issued to an insured, the insurer clearly identifies the exact policy and endorsement forms purchased by the insured.
(f) The insurer provides notice, in the manner by which it customarily communicates with a named insured, of any of the changes to the forms or endorsements and the insured's right to obtain, on request and without charge, a paper copy of the forms or endorsements.
History:
1956, Act 218, Eff. Jan. 1, 1957 ;-- Am. 2012, Act 454, Imd. Eff. Dec. 27, 2012
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-22 - Chapter 22 the Insurance Contract (500.2204...500.2266) › Section 500.2250 - Binders or Other Contracts for Temporary Insurance; Applicability.

500.2250 Binders or other contracts for temporary insurance; applicability.
Sec. 2250.
Binders or other contracts for temporary insurance shall be considered to include all of the terms and conditions of the policy for which application is made. This section does not apply to a life insurance policy.
History:
Add. 1990, Act 305, Imd. Eff. Dec. 14, 1990 ;-- Am. 1991, Act 106, Imd. Eff. Oct. 3, 1991
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-22 - Chapter 22 the Insurance Contract (500.2204...500.2266) › Section 500.2254 - Action Against Domestic Insurer by Member or Beneficiary; Conditions.

500.2254 Action against domestic insurer by member or beneficiary; conditions.
Sec. 2254.
Suits at law may be prosecuted and maintained by any member against a domestic insurance corporation for claims which may have accrued if payments are withheld more than 60 days after such claims shall have become due. No article, bylaw, resolution or policy provision adopted by any life, disability, surety, or casualty insurance company doing business in this state prohibiting a member or beneficiary from commencing and maintaining suits at law or in equity against such company shall be valid and no such article, bylaw, provision or resolution shall hereafter be a bar to any suit in any court in this state: Provided, however, That any reasonable remedy for adjudicating claims established by such company or companies shall first be exhausted by the claimant before commencing suit: Provided further, however, That the company shall finally pass upon any claim submitted to it within a period of 6 months from and after final proofs of loss or death shall have been furnished any such company by the claimant.
History:
1956, Act 218, Eff. Jan. 1, 1957
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-22 - Chapter 22 the Insurance Contract (500.2204...500.2266) › Section 500.2260 - Life or Disability Insurance; Acts Not Constituting Waiver of Defenses.

500.2260 Life or disability insurance; acts not constituting waiver of defenses.
Sec. 2260.
The acknowledgement by any insurer of the receipt of notice given under any life or disability insurance policy or the furnishing of forms for filing proofs of loss, or the acceptance of such proofs, or the investigation of any claim thereunder shall not operate as a waiver of any of the rights of the insurer in defense of any claim arising under such policy.
History:
1956, Act 218, Eff. Jan. 1, 1957
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-22 - Chapter 22 the Insurance Contract (500.2204...500.2266) › Section 500.2264 - Termination of Dependent Coverage at Specified Age; Exception.

500.2264 Termination of dependent coverage at specified age; exception.
Sec. 2264.
Any contract or insurance policy delivered on or after July 12, 1966 in this state providing for hospital care or reimbursement for the care of the policyholders and dependents that provides for termination of dependent coverage at a specified age does not apply to an unmarried child of the policyholder who is incapable of self-support due to developmental disability or physical disability, and who is dependent upon the policyholder for support and maintenance, if the policyholder submits satisfactory proof of the dependent's incapacity to the insurance carrier not later than 31 days after the attainment of the age limit by the dependent child.
History:
Add. 1966, Act 274, Imd. Eff. July 12, 1966 ;-- Am. 1998, Act 26, Imd. Eff. Mar. 12, 1998 ;-- Am. 2014, Act 67, Imd. Eff. Mar. 28, 2014
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-22 - Chapter 22 the Insurance Contract (500.2204...500.2266) › Section 500.2264a - Hospital or Medical Care Coverage or Reimbursement for Children Who Are Full-Time or Part-Time Students and Take Leave of Absence.

500.2264a Hospital or medical care coverage or reimbursement for children who are full-time or part-time students and take leave of absence.
Sec. 2264a.
(1) Any policy or certificate delivered, issued for delivery, or renewed in this state that provides for hospital or medical care coverage or reimbursement for hospital or medical care for dependent children who are full-time or part-time students shall continue coverage for that dependent student if the dependent student is covered under that policy or certificate and takes a leave of absence from school due to illness or injury. Coverage under this section shall continue for 12 months from the last day of attendance in school or until the dependent reaches the age at which coverage would otherwise terminate, whichever period is shorter.
(2) To qualify for coverage under this section, the dependent student's attending physician shall certify in writing to the dependent's insurer or health maintenance organization that it is medically necessary for the dependent student to take a leave of absence from school.
(3) Coverage under this section shall be provided at the same rate as that charged for dependent student status.
(4) A dependent child must continue to meet all other eligibility requirements for dependent coverage in the policy or certificate if the dependent child takes a leave of absence from school due to illness or injury.
History:
Add. 2006, Act 537, Eff. Jan. 1, 2007
Compiler's Notes:
Former MCL 500.2265a, which pertained to medicare supplemental policies, was repealed by Act 84 of 1992, Imd. Eff. June 2, 1992.
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-22 - Chapter 22 the Insurance Contract (500.2204...500.2266) › Section 500.2265-500.2290 - Repealed. 1992, Act 84, Imd. Eff. June 2, 1992.

500.2265-500.2290 Repealed. 1992, Act 84, Imd. Eff. June 2, 1992.
Compiler's Notes:
The repealed sections pertained to medicare supplemental policies and long-term care coverage.
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-22A - Chapter 22a (500.2270...500.2277) › Section 500.2270 - Definitions.

500.2270 Definitions.
Sec. 2270.
As used in this chapter:
(a) "Certificate of insurance" means a document, regardless of how titled or described, that is prepared by an insurer or insurance producer that is a statement or summary of an insured's property or casualty insurance coverage. Certificate of insurance does not include a policy of insurance, insurance binder, or policy endorsement.
(b) "Director" means the director of the department of insurance and financial services.
(c) "Insurance" means any of the lines of authority in chapter 6.
(d) "Insurance producer" means that term as defined in section 1201.
History:
Add. 2014, Act 271, Imd. Eff. July 2, 2014
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-22A - Chapter 22a (500.2270...500.2277) › Section 500.2271 - Certificate of Insurance; Prohibitions.

500.2271 Certificate of insurance; prohibitions.
Sec. 2271.
A person shall not do any of the following:
(a) Issue or deliver a certificate of insurance that purports to affirmatively or negatively alter, amend, or extend the coverage provided by an insurance policy referenced in the certificate of insurance.
(b) Prepare or issue a certificate of insurance that contains any false or misleading information concerning an insurance policy referenced in the certificate of insurance.
(c) Demand or require the issuance of a certificate of insurance from an insurer, insurance producer, or policyholder that contains any false or misleading information concerning an insurance policy referenced in the certificate of insurance.
History:
Add. 2014, Act 271, Imd. Eff. July 2, 2014
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-22A - Chapter 22a (500.2270...500.2277) › Section 500.2273 - Certificate of Insurance; Representation.

500.2273 Certificate of insurance; representation.
Sec. 2273.
Except as otherwise provided in an insurance policy, a certificate of insurance does not represent an insurer's obligation to give notice of cancellation or nonrenewal to a person.
History:
Add. 2014, Act 271, Imd. Eff. July 2, 2014
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-22A - Chapter 22a (500.2270...500.2277) › Section 500.2275 - Notice of Cancellation, Nonrenewal, and Similar Notice; Limitation.

500.2275 Notice of cancellation, nonrenewal, and similar notice; limitation.
Sec. 2275.
A person is entitled to notice of cancellation, nonrenewal, and any similar notice concerning a policy of insurance only if the person has notice rights under the terms of a policy of insurance or an endorsement to a policy of insurance. The terms and conditions of a notice described in this section are governed by the policy of insurance or endorsement. A certificate of insurance does not alter the terms and conditions of the notice.
History:
Add. 2014, Act 271, Imd. Eff. July 2, 2014
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-22A - Chapter 22a (500.2270...500.2277) › Section 500.2277 - Violation; Findings and Decision of Director; Order.

500.2277 Violation; findings and decision of director; order.
Sec. 2277.
If the director finds that a person has violated this chapter, after an opportunity for a hearing under the administrative procedures act of 1969, 1969 PA 306, MCL 24.201 to 24.328, the director shall reduce the findings and decision to writing and shall issue and cause to be served upon the person charged with the violation a copy of the findings and an order requiring the person to cease and desist from the violation. In addition, the director may order any of the following:
(a) Payment of a civil fine of not more than $500.00 for each violation. However, if the person knew or reasonably should have known that he or she was in violation of this chapter, the director may order the payment of a civil fine of not more than $2,500.00 for each violation. An order of the director under this section shall not require the payment of civil fines exceeding $25,000.00. A fine collected under this subdivision shall be turned over to the state treasurer and credited to the general fund of this state.
(b) The director may apply to the circuit court of Ingham county for an order of the court enjoining a violation of this chapter.
History:
Add. 2014, Act 271, Imd. Eff. July 2, 2014
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-23 - Chapter 23 Worker's Compensation Insurance Rates (500.2301...500.2352) › Section 500.2301 - Participation in Facility by Insurers Required; Purposes.

500.2301 Participation in facility by insurers required; purposes.
Sec. 2301.
Each insurer authorized to write worker's compensation insurance in this state shall participate in the Michigan worker's compensation placement facility for the purpose of doing all of the following:
(a) Providing worker's compensation insurance to any person who is unable to procure the insurance through ordinary methods.
(b) Preserving to the public the benefits of price competition by encouraging maximum use of the normal private insurance system.
History:
Add. 1982, Act 8, Eff. Jan. 1, 1983 ;-- Am. 1993, Act 200, Eff. Dec. 28, 1994
Compiler's Notes:
Section 3 of Act 200 of 1993 provides as follows:“Section 3. This amendatory act shall not take effect unless the state administrative board certifies in writing to the secretary of state by December 31, 1994 that an agreement for the transfer of all or substantially all of the assets and the assumption of all or substantially all of the liabilities of the state accident fund has been consummated with a permitted transferee pursuant to the requirements of section 701a of the worker's disability compensation act of 1969, Act No. 317 of the Public Acts of 1969, being section 418.701a of the Michigan Compiled Laws.”
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-23 - Chapter 23 Worker's Compensation Insurance Rates (500.2301...500.2352) › Section 500.2303 - Definitions.

500.2303 Definitions.
Sec. 2303.
As used in this chapter:
(a) "Facility" means the Michigan worker's compensation placement facility created under this chapter.
(b) "Participating member" means an insurer who is a member of the facility and who in any given calendar year has a participation ratio greater than zero in the facility for that year.
(c) "Participation ratio" means the ratio of the participating member's voluntary Michigan worker's compensation premiums to the comparable statewide totals of all participating members.
(d) "Worker's compensation insurance" means insurance which provides any of the following:
(i) Security required pursuant to the worker's disability compensation act of 1969, Act No. 317 of the Public Acts of 1969, as amended, being sections 418.101 to 418.941 of the Michigan Compiled Laws.
(ii) Security required pursuant to the United States longshoreman's and harbor worker's compensation act.
(iii) Coverage customarily known as employer's liability insurance, when contained in or endorsed to a policy providing the security in subparagraph (i) or (ii).
History:
Add. 1982, Act 8, Eff. Jan. 1, 1983 ;-- Am. 1993, Act 200, Eff. Dec. 28, 1994
Compiler's Notes:
Section 3 of Act 200 of 1993 provides as follows:“Section 3. This amendatory act shall not take effect unless the state administrative board certifies in writing to the secretary of state by December 31, 1994 that an agreement for the transfer of all or substantially all of the assets and the assumption of all or substantially all of the liabilities of the state accident fund has been consummated with a permitted transferee pursuant to the requirements of section 701a of the worker's disability compensation act of 1969, Act No. 317 of the Public Acts of 1969, being section 418.701a of the Michigan Compiled Laws.”
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-23 - Chapter 23 Worker's Compensation Insurance Rates (500.2301...500.2352) › Section 500.2310 - Facility; Operation; Board of Governors; Appointment, Terms, and Qualifications of Members.

500.2310 Facility; operation; board of governors; appointment, terms, and qualifications of members.
Sec. 2310.
The facility shall operate subject to the supervision of a board of governors appointed by the commissioner. The members of the board of governors shall serve for terms of 2 years. The board shall consist of 5 participating members, 2 worker's compensation insurance policyholders, 1 licensed agent, and 1 member representing the general public.
History:
Add. 1982, Act 8, Eff. Jan. 1, 1983
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-23 - Chapter 23 Worker's Compensation Insurance Rates (500.2301...500.2352) › Section 500.2318 - Facility; Classification and Rating Systems; Determination and Use.

500.2318 Facility; classification and rating systems; determination and use.
Sec. 2318.
(1) The classification and rating systems of the facility shall be determined by the designated advisory organization, subject to the requirements of this chapter and the approval of the commissioner.
(2) Every participating member designated to act on behalf of the facility shall be authorized to use the classification and rating systems of the facility on business placed through the facility and shall not use other rates for worker's compensation insurance placed through the facility.
History:
Add. 1982, Act 8, Eff. Jan. 1, 1983
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-23 - Chapter 23 Worker's Compensation Insurance Rates (500.2301...500.2352) › Section 500.2320 - Facility; Deferred Premium Payment Plans.

500.2320 Facility; deferred premium payment plans.
Sec. 2320.
The facility shall provide for deferred premium payment plans which shall include sufficient advance payments at least equal to the pro rata earned premium at all times.
History:
Add. 1982, Act 8, Eff. Jan. 1, 1983
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-23 - Chapter 23 Worker's Compensation Insurance Rates (500.2301...500.2352) › Section 500.2322 - Agent Authorized to Solicit, Negotiate, or Effect Worker's Compensation Insurance on Behalf of Facility or Participating Member; Rights and Duties.

500.2322 Agent authorized to solicit, negotiate, or effect worker's compensation insurance on behalf of facility or participating member; rights and duties.
Sec. 2322.
Every agent who is authorized to solicit, negotiate, or effect worker's compensation insurance on behalf of the facility or on behalf of any participating member shall:
(a) Offer to place worker's compensation insurance through the facility for any applicant requesting the agent to do so.
(b) Be entitled to receive, and any participating member be entitled to pay, a commission for placing insurance through the facility at the uniform rates of commission as provided in the plan of operation.
History:
Add. 1982, Act 8, Eff. Jan. 1, 1983
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-23 - Chapter 23 Worker's Compensation Insurance Rates (500.2301...500.2352) › Section 500.2350 - Formal Hearing and Ruling by Facility Board of Governors; Request; Appeal; Commissioner's Order.

500.2350 Formal hearing and ruling by facility board of governors; request; appeal; commissioner's order.
Sec. 2350.
(1) Any participating member, applicant, person, or business insured under a policy placed through the facility may request a formal hearing and ruling by the board of governors of the facility on any of the following:
(a) An alleged violation of the plan of operation.
(b) Any alleged improper act or ruling of the facility affecting an assessment, premium, or coverage furnished.
(2) Any formal ruling of the board of governors of the facility may be appealed to the commissioner by filing notice of appeal with the facility and the commissioner within 30 days after receipt of the written ruling.
(3) The commissioner shall issue an order either upholding the board of governors' ruling or reversing its ruling.
History:
Add. 1982, Act 8, Eff. Jan. 1, 1983
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-23 - Chapter 23 Worker's Compensation Insurance Rates (500.2301...500.2352) › Section 500.2352 - Determinations Made by Commissioner.

500.2352 Determinations made by commissioner.
Sec. 2352.
Determinations made by the commissioner pursuant to this chapter shall be made independent of the credits provided to insurers pursuant to the former single business tax act, 1975 PA 288, or the Michigan business tax act, 2007 PA 36, MCL 208.1101 to 208.1601.
History:
Add. 1987, Act 261, Imd. Eff. Dec. 28, 1987 ;-- Am. 2007, Act 187, Imd. Eff. Dec. 21, 2007
Compiler's Notes:
The reference to "1975 PA 288" evidently should read "1975 PA 228".
Popular Name:
Act 218