reglab/statecodes huggingface dataset:
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 417-C - Cancellation or Refusal to Renew Commercial Insurance › Section 417-C:1 - Grounds for Cancellation.

417-C:1 Grounds for Cancellation. –
I. A notice of cancellation of a policy, to which RSA 417-C:2 applies, shall be effective only if it is based on one or more of the following reasons:
(a) Nonpayment of a premium, including nonpayment of any additional premiums due from an audit conducted in accordance with law for the prior policy term; or
(b) Fraud or material misrepresentation affecting the policy or in the presentation of a claim thereunder, or violation of any of the terms or conditions of the policy; or
(c) A change in the risk that substantially increases a hazard insured against after insurance coverage has been issued or renewed.
II. An insurer shall cancel a policy at the specific request of the insured subject to contractual notice provisions not to exceed 10 days.
III. Paragraph I shall not apply to any policy or coverage which has been in effect less than 60 days at the time notice of cancellation is mailed or delivered by the insurer unless it is a renewal policy.
IV. This section shall not apply to nonrenewal.
Source.
1986, 227:1. 2000, 166:6. 2009, 215:11. 2012, 100:3, eff. July 28, 2012. 2020, 37:42, eff. Sept. 27, 2020. 2021, 50:2, eff. July 24, 2021. 2022, 42:14, eff. July 2, 2022.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 417-C - Cancellation or Refusal to Renew Commercial Insurance › Section 417-C:2 - Notice of Cancellation.

417-C:2 Notice of Cancellation. –
I. No notice of cancellation shall be effective unless mailed, physically delivered, or electronically delivered by the insurer or its agent to the named insureds at least 60 days prior to the effective date of cancellation; provided, however, that where cancellation is for nonpayment of premium or substantial increase in hazard, or the cancellation notice is mailed, physically delivered, or electronically delivered within the first 60 days of the effective date for new policies, at least 10 days' notice of cancellation shall be given. In all instances, the reason or reasons for cancellation shall accompany or be included in the notice of cancellation. An insurer shall not be held liable in any claim or suit for damages arising solely from the insurer's compliance with the requirement that the reason for cancellation be specified.
II. The commissioner shall have the authority to waive any provision of paragraph I upon the written request of an insurer specifying the reasons therefor.
III. This section shall not apply to nonrenewal.
Source.
1986, 227:1. 2000, 166:7. 2002, 207:20. 2009, 215:12, eff. Sept. 13, 2009. 2018, 132:7, eff. July 29, 2018. 2021, 57:4, eff. July 24, 2021.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 417-C - Cancellation or Refusal to Renew Commercial Insurance › Section 417-C:3 - Notice of Nonrenewal.

417-C:3 Notice of Nonrenewal. –
No insurer shall refuse to renew a policy at its expiration or anniversary if written for a term of more than one year unless such insurer or its agent shall mail, physically deliver, or electronically deliver to the named insureds advance notice of its intention not to renew. The notice shall be at least 60 days in advance of the policy's scheduled expiration or anniversary date. If all or any part of the 60-day notice is not in advance of the expiration or anniversary date, renewal coverage shall be provided on the same terms and conditions as the expiring policy until the 60-day notice requirement has been fulfilled. This section shall not apply in case of nonpayment of premium, or if the insured fails to pay any advance premium required by the insurer for renewal. However, notwithstanding the failure of an insurer to comply with this section, any coverage shall terminate on the effective date of any other coverage acquired by the insured to the extent the acquired coverage substantially duplicates coverages of the renewal. Renewal of a policy shall not constitute a waiver or estoppel with respect to grounds for cancellation which existed before the effective date of such renewal.
Source.
1986, 227:1. 2002, 207:21, eff. May 16, 2002. 2021, 57:4, eff. July 24, 2021.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 417-C - Cancellation or Refusal to Renew Commercial Insurance › Section 417-C:4 - Renewals; Premiums.

417-C:4 Renewals;  Premiums. –
I. Any renewal premium increase in excess of 25 percent is controlled by the provisions of RSA 417-C:3. The notice may indicate that renewal is conditioned upon the premium increase without reference to nonrenewal.
II. Any renewal premium increase of 25 percent or less shall not be implemented until the insured has had a minimum of 30 days' notice of the renewal premium.
III. If the applicable 60-day notice period required by RSA 417-C:3 or 30-day notice period required by paragraph II is not satisfied in advance of the policy's scheduled expiration or anniversary date, renewal coverage shall be provided, on a pro rata basis, at the rates or premiums in effect under the expiring policy until the applicable 60-day or 30-day notice requirement has been fulfilled. This paragraph shall not apply if the insured accepts the renewal policy.
IV. Development of renewal premium for the purpose of determining the percentage of change from expiring premium shall be based on the same coverages, conditions, and ratable exposures as those contained in the expiring policy.
Source.
1986, 227:1. 2002, 207:22, eff. May 16, 2002. 2021, 57:4, eff. July 24, 2021.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 417-C - Cancellation or Refusal to Renew Commercial Insurance › Section 417-C:5 - Repealed by 2002, 207:23, eff. May 16, 2002.

417-C:5 Repealed by 2002, 207:23, eff. May 16, 2002. –
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 417-C - Cancellation or Refusal to Renew Commercial Insurance › Section 417-C:6 - Scope of Chapter.

417-C:6 Scope of Chapter. –
This chapter shall only apply to policies of insurance providing fire, inland marine, multi-peril, casualty and liability policies, and shall not apply to mortgage guaranty insurance, surety bonds, workers' compensation policies regulated under RSA 281-A or any policies provided and controlled by RSA 417-A or RSA 417-B.
Source.
2002, 207:18. 2009, 215:13. 2015, 92:1, eff. Aug. 4, 2015.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 417-D - Women's Health Care › Section 417-D:1 - Definitions.

417-D:1 Definitions. –
In this chapter:
I. "Commissioner" means the insurance commissioner.
II. "Insurer" means any entity issuing accident or health insurance or accident and health insurance policies, contracts, certificates, or other evidence of coverage pursuant to RSA 415, 415-A, 420-A, or 420-B.
III. "Low-dose mammography" means the X-ray examination of the breast using equipment dedicated specifically for mammography, including the X-ray tube, filter, compression device, screens, films, and cassettes, with a radiation exposure which is diagnostically valuable and in keeping with the recommended "Average Patient Exposure Guides" as published by the Conference of Radiation Control Program Directors, Inc. "Low-dose mammography" shall also include 3-D tomosynthesis mammography.
Source.
1988, 267:2. 1997, 190:12, eff. Jan. 1, 1998. 2018, 208:1, eff. Aug. 7, 2018.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 417-D - Women's Health Care › Section 417-D:2 - Low-Dose Mammography Coverage.

417-D:2 Low-Dose Mammography Coverage. –
I. Each insurer that issues or renews any policy of accident and health insurance providing benefits for hospital expense, medical-surgical expense, or major medical expense shall provide in each group or individual policy, contract, or certificate of insurance issued or renewed for persons who are residents of this state, coverage for screening by low-dose mammography for all women 35 years of age or older for the presence of occult breast cancer within the provisions of the policy, contract, or certificate. The coverage shall be as follows:
(a) A baseline mammogram for women 35 to 39 years of age.
(b) A mammogram every 1 to 2 years, even if no symptoms are present, for women 40 to 49 years of age.
(c) An annual mammogram for women 50 years of age or older.
II. Such benefits shall be at least as favorable as for other radiological examinations and subject to the same dollar limits, deductibles, and co-insurance factors.
Source.
1988, 267:2. 1996, 75:3, eff. Jan. 1, 1997.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 417-D - Women's Health Care › Section 417-D:2-b - Reconstructive Surgery.

417-D:2-b Reconstructive Surgery. –
Every insurer subject to this chapter that provides individual or group coverage for mastectomy surgery shall provide coverage for reconstruction of the breast on which surgery has been performed and surgery and reconstruction of the other breast to produce a symmetrical appearance if the patient elects reconstruction and in the manner chosen by the patient and the physician.
Source.
1997, 311:1, eff. Jan. 1, 1998.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 417-D - Women's Health Care › Section 417-D:3 - Rulemaking.

417-D:3 Rulemaking. –
The commissioner may adopt rules, under RSA 541-A, relative to the administration of this chapter.
Source.
1988, 267:2, eff. Jan. 1, 1989.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 417-D - Women's Health Care › Section 417-D:4 - Penalty.

417-D:4 Penalty. –
Any insurer that violates any provision of this chapter or any rule adopted pursuant to it, may, at the discretion of the commissioner, have its certificate of authority indefinitely suspended or revoked.
Source.
1988, 267:2, eff. Jan. 1, 1989.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 417-E - Coverage for Certain Biologically-Based Mental Illnesses › Section 417-E:2 - Coverage for Treatment of Pervasive Developmental Disorder or Autism.

417-E:2 Coverage for Treatment of Pervasive Developmental Disorder or Autism. –
I. For the purposes of this chapter, treatment of pervasive developmental disorder or autism as required under RSA 417-E:1, III(h) shall include the following:
(a) Professional services and treatment programs, including applied behavioral analysis, necessary to produce socially significant improvements in human behavior or to prevent loss of attained skill or function. To be eligible for coverage, applied behavior analysis must be provided by a person professionally certified by the national Behavior Analyst Certification Board or performed under the supervision of a person professionally certified by the national Behavior Analyst Certification Board.
(b) Prescribed pharmaceuticals subject to the same terms and conditions of the policy as other prescribed pharmaceuticals.
(c) Direct or consultative services provided by a licensed professional including a licensed psychiatrist, licensed advanced practice registered nurse, licensed psychologist, or licensed clinical social worker; and
(d) Services provided by a licensed speech therapist, licensed occupational therapist, or licensed physical therapist.
II. An insurer may require submission of a treatment plan, including the frequency and duration of treatment, signed by the primary care provider, an appropriately credentialed treating specialist, a child psychiatrist, a pediatrician with a specialty in behavioral-developmental pediatrics, a neurologist with a specialty in child neurology, or a licensed psychologist with training in child psychology, that the treatment is medically necessary for the patient and is consistent with nationally recognized treatment standards for the condition such as those set forth by the American Academy of Pediatrics. An insurer may require an updated treatment plan no more frequently than on a semi-annual basis. Coverage shall not be denied on the basis that services are habilitative in nature.
III. Nothing in this section shall be construed to affect any obligation by a school district or the state of New Hampshire to provide services to an individual under an individualized family service plan or an individualized education program, as required under the federal Individuals With Disabilities Education Act, the state children's health insurance program authorized by 42 U.S.C. section 1397aa et seq., or the provision of services to an individual under any other federal or state law.
IV. The commissioner may adopt rules, pursuant to RSA 541-A, relative to the insurance coverage requirements established under this section.
Source.
2010, 363:2. 2011, 224:283, eff. July 1, 2011. 2022, 337:2, eff. Sept. 23, 2022.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 417-F - Coverage for Emergency Services › Section 417-F:1 - Definitions.

417-F:1 Definitions. –
In this chapter:
I. "Emergency services" means health care services that are provided to an enrollee, insured, or subscriber in a licensed hospital emergency facility or as set out in RSA 417-F:5 by a provider after the sudden onset of a medical or mental health condition or substance use disorder that manifests itself by symptoms of sufficient severity that a prudent layperson with average knowledge of health and medicine could reasonably expect that the absence of immediate medical or mental health attention could be expected to result in any of the following:
(a) Serious jeopardy to the patient's health.
(b) Serious impairment to bodily functions.
(c) Serious dysfunction of any bodily organ or part.
II. "Insurer" means any entity providing managed care coverage or accident or health insurance or accident and health insurance policies, contracts, certificates, or other evidence of coverage to enrollees, insureds, or subscribers pursuant to RSA 415, 415-A, 419, 420, 420-A, 420-B, or 420-J.
Source.
1997, 134:1. 2000, 104:3, eff. July 7, 2000. 2018, 356:5, eff. July 1, 2018. 2023, 240:4, eff. Aug. 8, 2023.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 417-F - Coverage for Emergency Services › Section 417-F:2 - Claims Processing.

417-F:2 Claims Processing. –
An insurer retrospective review of a claim for reimbursement for emergency services shall include consideration of presenting symptoms, along with final diagnosis, and shall give due consideration to the definitions of emergency medical condition and emergency services in RSA 420-J:3.
Source.
1997, 134:1, eff. Jan. 1, 1998. 2019, 16:1, eff. July 9, 2019.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 417-F - Coverage for Emergency Services › Section 417-F:3 - Prior Authorization.

417-F:3 Prior Authorization. –
I. A participating provider or other authorized representative of the plan that gives prior authorization shall not rescind or modify the authorization after the health care provider has rendered the authorized emergency services care in good faith and the enrollee's, insured's, or subscriber's coverage was effective on the date of service.
II. When emergency services are a covered benefit under a health plan subject to this chapter, no prior authorization shall be required for emergency services necessary to screen and stabilize an individual.
III. No health benefit plan shall require a prior authorization for medically necessary interfacility transports for services related to the treatment and diagnosis of certain biologically-based mental illnesses.
Source.
1997, 134:1, eff. Jan. 1, 1998. 2020, 39:3, eff. July 29, 2020.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 417-F - Coverage for Emergency Services › Section 417-F:4 - Reimbursement for Emergency Room Boarding.

417-F:4 Reimbursement for Emergency Room Boarding. –
Following the completion of an involuntary admission certificate for a patient meeting the criteria under RSA 135-C:27 and not rescinded under RSA 135-C:29-a, the insurer shall pay the acute care hospital a per diem day rate required to board and care for the patient, to be contracted between the insurer and acute care hospital, for each day the insured is waiting in an acute care medical hospital located in the state for admission for psychiatric treatment at New Hampshire Hospital, a community-based designated receiving facility, or a voluntary admission. The day rate required to board and care for the patient may be billed for up to 21 consecutive days or discharge, whichever is sooner, and shall be renewed as needed for patient protection. The rate is deemed to cover all costs incurred by a hospital for the boarding and non-medical care of the insured and shall not be billed to the insured. This does not preclude a hospital from billing for other medically necessary services. Any qualified mental health worker employed by or contracted with the hospital, community mental health care center, or affiliate providing mental health services and supports to an insured in an emergency department in the hospital service areas while they are waiting for an inpatient or other psychiatric admission shall be reimbursed for those mental health services including diagnostic services by the insurer at the negotiated rate. Mental health services provided in this setting under this section shall be deemed medically necessary and shall not require prior authorization by an insurer. This section shall apply to the Medicaid managed care organizations subject to contract and rate agreements between the state of New Hampshire and the managed care organizations. The reimbursement for emergency room board and care shall be incorporated into the capitated rate for managed care services.
Source.
2019, 41:6, eff. July 1, 2019; 326:9, eff. July 1, 2019 at 12:01 a.m.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 417-F - Coverage for Emergency Services › Section 417-F:5 - Emergency Mental Health Services.

417-F:5 Emergency Mental Health Services. –
Whenever mental health services are a covered benefit under a health benefit plan subject to this chapter, community based mental health crisis intervention services that otherwise meet the definition of emergency services as set out in RSA 417-F:1, I shall be treated as emergency services under this chapter without the requirement of being provided in a licensed hospital emergency facility if such services are provided under the program established in RSA 167:3-l, III.
Source.
2023, 240:5, eff. Aug. 8, 2023.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 417-G - Access to Fertility Care › Section 417-G:1 - Definitions.

417-G:1 Definitions. –
In this chapter:
I. "Commissioner" means the insurance commissioner.
II. "Experimental infertility procedure" means a procedure for which the published medical evidence regarding risks, benefits, and overall safety and efficacy is not sufficient to regard the procedure as an established medical practice.
III. "Fertility treatment" means health care services or products provided with the intent to achieve a pregnancy that results in a live birth with healthy outcomes.
IV. "Health carrier" means an entity subject to the insurance laws and rules of this state, or subject to the jurisdiction of the commissioner, that contracts or offers to contract to provide, deliver, arrange for, pay for, or reimburse any of the costs of health care services, including an insurance company, a health maintenance organization, a health service corporation, or any other entity providing a plan of health insurance, health benefits, or health services.
V. "Infertility" means a disease, caused by an illness, injury, underlying disease, or condition, where an individual's ability to become pregnant or to carry a pregnancy to live birth is impaired, or where an individual's ability to cause pregnancy and live birth in the individual's partner is impaired.
VI. "Medically necessary" means health care services or products provided to an enrollee for the purpose of preventing, stabilizing, diagnosing, or treating an illness, injury, or disease or the symptoms of an illness, injury, or disease in a manner that is:
(a) Consistent with generally accepted standards of medical practice;
(b) Clinically appropriate in terms of type, frequency, extent, site, and duration;
(c) Demonstrated through scientific evidence to be effective in improving health outcomes;
(d) Representative of "best practices" in the medical profession; and
(e) Not primarily for the convenience of the enrollee or physician or other health care provider.
VII. "Standard fertility preservation services" means procedures consistent with established medical practices and professional guidelines published by the American Society for Reproductive Medicine or the American Society of Clinical Oncology.
Source.
2019, 307:2, eff. Jan. 1, 2020.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 417-G - Access to Fertility Care › Section 417-G:2 - Diagnosis of Infertility, Fertility Treatment, and Fertility Preservation.

417-G:2 Diagnosis of Infertility, Fertility Treatment, and Fertility Preservation. –
I. Each health carrier that issues or renews any group policy, plan, or contract of accident or health insurance providing benefits for medical or hospital expenses, shall provide to certificate holders of such insurance coverage for the diagnosis of the etiology of infertility.
II. Each health carrier that issues or renews any group policy, plan, or contract of accident or health insurance providing benefits for medical or hospital expenses, shall provide to certificate holders of such insurance coverage for medically necessary fertility treatment. Enrollees shall be provided coverage for evaluations, laboratory assessments, medications, and treatments associated with the procurement of donor eggs, sperm, and embryos.
III. Each health carrier that issues or renews any group policy, plan, or contract of accident or health insurance providing benefits for medical or hospital expenses, shall provide to certificate holders of such insurance coverage for fertility preservation when a person is expected to undergo surgery, radiation, chemotherapy, or other medical treatment that is recognized by medical professionals to cause a risk of impairment of fertility. Coverage under this section shall include coverage for standard fertility preservation services, including the procurement and cryopreservation of embryos, eggs, sperm, and reproductive material determined not to be an experimental infertility procedure. Storage shall be covered from the time of cryopreservation for the duration of the policy term. Storage offered for a longer period of time, as approved by the health carrier, shall be an optional benefit.
IV. Coverage under paragraphs I-III shall not apply to plans available through the Small Business Health Options Program (SHOP) or to Extended Transition to Affordable Care Act-Compliant Policies.
Source.
2019, 307:2, eff. Jan. 1, 2020.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 417-G - Access to Fertility Care › Section 417-G:3 - Prohibited and Permissible Limitations on Coverage.

417-G:3 Prohibited and Permissible Limitations on Coverage. –
I. No health carrier shall:
(a) Impose deductibles, copayments, coinsurance, benefit maximums, waiting periods or any other limitations on coverage for required benefits which are different from those imposed upon benefits for services not related to infertility or any limitations on coverage of fertility medications that are different from those imposed on any other prescription medications.
(b) Impose pre-existing condition exclusions or pre-existing condition waiting periods on coverage for required benefits or use any prior diagnosis of or prior treatment for infertility as a basis for excluding, limiting or otherwise restricting the availability of coverage for required benefits.
(c) Impose limitations on coverage based solely on arbitrary factors including, but not limited to, number of attempts or dollar amounts or age, or provide different benefits to, or impose different requirements upon, a class protected under RSA 354-A than that provided to, or required of, other patients.
II. Limitations on coverage shall be based on clinical guidelines and the enrollee's medical history. Clinical guidelines shall be maintained in written form and shall be available to any enrollee upon request. Standards or guidelines developed by the American Society for Reproductive Medicine, the American College of Obstetrics and Gynecology, or the Society for Assisted Reproductive Technology may serve as a basis for these clinical guidelines. Making, issuing, circulating, or causing to be made, issued or circulated, any clinical guidelines that are based upon data that are not reasonably current or that do not cite with specificity any references relied upon shall constitute an unfair and deceptive act and practice in the business of insurance under RSA 417:4.
III. This chapter shall not be construed to provide benefits for:
(a) An experimental infertility procedure.
(b) Non-medical costs related to third party reproduction.
(c) Reversal of voluntary sterilization.
IV. In instances where an enrollee is utilizing a surrogate or gestational carrier due to a medical cause of infertility unrelated to voluntary sterilization or failed reversal, the enrollee's coverage shall not extend to medical costs relating to the preparation for reception or introduction of embryos, oocytes, or donor sperm into a surrogate or gestational carrier.
Source.
2019, 307:2, eff. Jan. 1, 2020.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 417-G - Access to Fertility Care › Section 417-G:4 - Rulemaking.

417-G:4 Rulemaking. –
The commissioner shall adopt necessary rules, under RSA 541-A, relative to the proper administration of this chapter. Until such rules are adopted, health carriers shall fulfill their obligations under this chapter by conforming to the standards of the American Society for Reproductive Medicine.
Source.
2019, 307:2, eff. Jan. 1, 2020.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 417-G - Access to Fertility Care › Section 417-G:5 - Severability.

417-G:5 Severability. –
If any provision of this chapter or the application thereof to any person or circumstances is held invalid, the invalidity does not affect other provisions or applications of the chapter which can be given effect without the invalid provisions or applications, and to this end the provisions of this chapter are severable.
Source.
2019, 307:2, eff. Jan. 1, 2020.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 418 - Fraternal Benefit Societies › Section 418:1 - Fraternal Benefit Societies Defined.

418:1 Fraternal Benefit Societies Defined. –
Any incorporated society, order or supreme lodge, without capital stock, including one exempted under RSA 418:36, I(b), whether incorporated or not, conducted solely for the benefit of its members and their beneficiaries and not for profit, operated on a lodge system with ritualistic form of work, having a representative form of government, and which provides benefits in accordance with this chapter, is hereby declared to be a fraternal benefit society.
Source.
2003, 182:1, eff. Jan. 1, 2004.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 418 - Fraternal Benefit Societies › Section 418:2 - Lodge System Defined.

418:2 Lodge System Defined. –
I. A society is operating on the lodge system if it has a supreme governing body and subordinate lodges into which members are elected, initiated or admitted in accordance with its laws, rules, and ritual. Subordinate lodges shall be required by the laws of the society to hold regular meetings at least once each month in furtherance of the purposes of the society.
II. A society may, at its option, organize and operate lodges for children under the minimum age for adult membership. Membership and initiation in local lodges shall not be required of such children, nor shall they have a voice or vote in the management of the society.
Source.
2003, 182:1, eff. Jan. 1, 2004.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 418 - Fraternal Benefit Societies › Section 418:3 - Representative Form of Government Defined.

418:3 Representative Form of Government Defined. –
I. A society has a representative form of government when the supreme governing body is an assembly composed of delegates elected directly by the members or at intermediate assemblies or conventions of members or their representatives, together with other delegates as may be prescribed in the society's laws.
(a) The assembly shall be elected and shall meet at least once every 4 years and shall elect a board of directors to conduct the business of the society between meetings of the assembly. Vacancies on the board of directors between elections may be filled in the manner prescribed by the society's laws.
(b) The elected delegates shall constitute a majority in number and shall not have less than 2/3 of the votes and not less than the number of votes required to amend the society's laws.
(c) A society may provide for election of delegates by mail.
II. A society has a representative form of government when:
(a) The supreme governing body is a board composed of persons elected by the members, either directly or by their representatives in intermediate assemblies, and any other persons prescribed in the society's laws. A society may provide for election of the board by mail. Each term of a board member may not exceed 4 years. Vacancies on the board between elections may be filled in the manner prescribed by the society's laws. Those persons elected to the board shall constitute a majority in number and not less than the number of votes required to amend the society's laws. A person filling the unexpired term of an elected board member shall be considered to be an elected member. The board shall meet at least quarterly to conduct the business of the society;
(b) The officers of the society are elected either by the supreme governing body or by the board of directors;
(c) Only benefit members are eligible for election to the supreme governing body, the board of directors or any intermediate assembly; and
(d) Each voting member shall have one vote; no vote may be cast by proxy.
Source.
2003, 182:1, eff. Jan. 1, 2004.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 418 - Fraternal Benefit Societies › Section 418:4 - Purposes and Powers.

418:4 Purposes and Powers. –
I. A society shall operate for the benefit of members and their beneficiaries by:
(a) Providing benefits as specified in RSA 418:15; and
(b) Operating for one or more social, intellectual, educational, charitable, benevolent, moral, fraternal, patriotic or religious purposes for the benefit of its members, which may also be extended to others. Such purposes may be carried out directly by the society, or indirectly through subsidiary corporations or affiliated organizations.
II. Every society shall have the power to adopt laws and rules for the government of the society, the admission of its members, and the management of its affairs. It shall have the power to change, alter, add to or amend such laws and rules and shall have such other powers as are necessary and incidental to carrying into effect the objects and purposes of the society.
Source.
2003, 182:1, eff. Jan. 1, 2004.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 418 - Fraternal Benefit Societies › Section 418:5 - Qualifications for Membership.

418:5 Qualifications for Membership. –
I. A society shall specify in its laws or rules:
(a) Eligibility standards for each and every class of membership, provided, that if benefits are provided on the lives of children, the minimum age for adult membership shall be set at not less than age 15 and not greater than age 21;
(b) The process for admission to membership for each membership class; and
(c) The rights and privileges of each membership class, provided that only benefit members shall have the right to vote on the management of the insurance affairs of the society.
II. A society may also admit social members who shall have no voice or vote in the management of the insurance affairs of the society.
III. Membership rights in the society are personal to the member and are not assignable.
Source.
2003, 182:1, eff. Jan. 1, 2004.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 418 - Fraternal Benefit Societies › Section 418:6 - Location of Office, Meetings, Communications to Members.

418:6 Location of Office, Meetings, Communications to Members. –
I. The principal office of any domestic society shall be located in this state. The meetings of its supreme governing body may be held in any state, district, province or territory wherein such society has at least one subordinate lodge, or in such other location as determined by the supreme governing body, and all business transacted at such meetings shall be as valid in all respects as if such meetings were held in this state. The minutes of the proceedings of the supreme governing body and of the board of directors shall be in the English language.
II. A society may provide in its laws for an official publication in which any notice, report, or statement required by law to be given to members, including notice of election, may be published. Such required reports, notices, and statements shall be printed conspicuously in the publication. If the records of a society show that 2 or more members have the same mailing address, an official publication mailed to one member is deemed to be mailed to all members at the same address unless a member requests a separate copy.
III. Not later than June 1 of each year, a synopsis of the society's annual statement providing an explanation of the facts concerning the condition of the society thereby disclosed shall be printed and mailed to each benefit member of the society or, in lieu thereof, such synopsis may be published in the society's official publication.
Source.
2003, 182:1, eff. Jan. 1, 2004.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 418 - Fraternal Benefit Societies › Section 418:7 - No Personal Liability.

418:7 No Personal Liability. –
Officers and members of the supreme, grand or any subordinate body of any such incorporated society shall not be individually liable for the payment of any disability, death or other benefit provided for in the laws and agreements of such society, but the same shall be payable only out of the funds of such society and in the manner provided by its laws.
Source.
2003, 182:1, eff. Jan. 1, 2004.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 418 - Fraternal Benefit Societies › Section 418:8 - Waiver.

418:8 Waiver. –
The laws of the society may provide that no subordinate body, nor any of its subordinate officers or members shall have the power or authority to waive any of the provisions of the laws of the society. Such provision shall be binding on the society and every member and beneficiary of a member.
Source.
2003, 182:1, eff. Jan. 1, 2004.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 418 - Fraternal Benefit Societies › Section 418:10 - Amendments to Laws.

418:10 Amendments to Laws. –
I. A domestic society may amend its articles of incorporation or bylaws in accordance with the provisions thereof by action of its supreme governing body at any regular or special meeting thereof or, if its laws so provide, by referendum. Such referendum may be held in accordance with the provisions of its laws by the vote of the voting members of the society, by the vote of delegates or representatives of voting members or by the vote of local lodges. A society may provide for voting by mail. No amendment submitted for adoption by referendum shall be adopted unless, within 6 months from the date of submission thereof, a majority of the members voting shall have signified their consent to such amendment by one of the methods under this section.
II. No amendment to the articles of incorporation or bylaws of any domestic society shall take effect unless approved by the commissioner who shall approve such amendment if the commissioner finds that it has been duly adopted and is not inconsistent with any requirement of the laws of this state or with the character, objects and purposes of the society. Unless the commissioner shall disapprove any such amendment within 60 days after the filing of the same, such amendment shall be considered approved. The approval or disapproval of the commissioner shall be in writing and mailed to the secretary or corresponding officer of the society at its principal office. In case the commissioner disapproves such amendment, the reasons for such disapproval shall be stated in such written notice.
III. Within 90 days from the approval thereof by the commissioner, all such amendments, or a synopsis thereof, shall be furnished to all members of the society either by mail or by publication in full in the official publication of the society. The affidavit of any officer of the society or of anyone authorized by it to mail any amendments or synopsis thereof, stating facts which show that same have been duly addressed and mailed, shall be prima facie evidence that such amendments or a synopsis thereof, have been furnished the addressee.
IV. Every foreign or alien society authorized to do business in this state shall file with the commissioner a duly certified copy of all amendments of, or additions to, its laws within 90 days after the enactment of same.
V. Printed copies of the laws as amended, certified by the secretary or corresponding officer of the society shall be prima facie evidence of the legal adoption thereof.
VI. Every society transacting business under this chapter shall file with the commissioner of insurance a duly certified copy of all amendments of or additions to its constitution and laws within 90 days after the enactment of the same. Printed copies of the constitution and laws as amended, changed or added to, certified by the secretary, or corresponding officer, of the society, shall be prima facie evidence of the legal adoption thereof.
Source.
2003, 182:1, eff. Jan. 1, 2004.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 418 - Fraternal Benefit Societies › Section 418:11 - Institutions.

418:11 Institutions. –
A society may create, maintain, and operate, or may establish organizations to operate, not-for-profit institutions to further the purposes permitted in RSA 418:4, I(b). Such institutions may furnish services free or at a reasonable charge. Any real or personal property owned, held or leased by the society for this purpose shall be reported in every annual statement.
Source.
2003, 182:1, eff. Jan. 1, 2004.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 418 - Fraternal Benefit Societies › Section 418:12 - Reinsurance.

418:12 Reinsurance. –
I. A domestic society may, by a reinsurance agreement, cede any individual risk or risks in whole or in part to an insurer, other than another fraternal benefit society, having the power to make such reinsurance and authorized to do business in this state, or if not so authorized, one which is approved by the commissioner, but no such society may reinsure substantially all of its insurance in force without the written permission of the commissioner.
II. Notwithstanding the limitation in paragraph I, a society may reinsure the risks of another society in a consolidation or merger approved by the commissioner under RSA 418:13, or as part of an assumption reinsurance agreement approved by the commissioner for the purpose of consolidating risks in a particular geographic region or facilitating the transformation of a fraternal benefit society to another form of organization.
Source.
2003, 182:1, eff. Jan. 1, 2004.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 418 - Fraternal Benefit Societies › Section 418:14 - Conversion of Fraternal Benefit Society Into a Mutual Life Company.

418:14 Conversion of Fraternal Benefit Society Into a Mutual Life Company. –
Any domestic fraternal benefit society may be converted and licensed as a mutual life insurance company by compliance with all the requirements of the general insurance laws for mutual life insurance companies. A plan of conversion shall be prepared in writing by the board of directors setting forth in full the terms and conditions of conversion. The affirmative vote of 2/3 of all members of the supreme governing body at a regular or special meeting shall be necessary for the approval of such plan. No such conversion shall take effect unless and until approved by the commissioner who may give such approval if the commissioner finds that the proposed change is in conformity with the requirements of law and not prejudicial to the certificate holders of the society.
Source.
2003, 182:1, eff. Jan. 1, 2003.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 418 - Fraternal Benefit Societies › Section 418:15 - Benefits.

418:15 Benefits. –
I. A society may provide the following contractual benefits in any form:
(a) Death benefits;
(b) Endowment benefits;
(c) Annuity benefits;
(d) Temporary or permanent disability benefits;
(e) Hospital, medical or nursing benefits;
(f) Monument or tombstone benefits to the memory of deceased members; and
(g) Such other benefits as authorized for life insurers and which are not inconsistent with this chapter.
II. A society shall specify in its rules those persons who may be issued, or covered by, the contractual benefits in paragraph I, consistent with providing benefits to members and their dependents. A society may provide benefits on the lives of children under the minimum age for adult membership upon application of an adult person.
Source.
2003, 182:1, eff. Jan. 1, 2004.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 418 - Fraternal Benefit Societies › Section 418:16 - Beneficiaries.

418:16 Beneficiaries. –
I. The owner of a benefit contract shall have the right at all times to change the beneficiary or beneficiaries in accordance with the laws or rules of the society unless the owner waives this right by specifically requesting in writing that the beneficiary designation be irrevocable. A society may, through its laws or rules, limit the scope of beneficiary designations and shall provide that no revocable beneficiary shall have or obtain any vested interest in the proceeds of any certificate until the certificate has become due and payable in conformity with the provisions of the benefit contract.
II. A society may make provision for the payment of funeral benefits to the extent of such portion of any payment under a certificate as might reasonably appear to be due to any person equitably entitled thereto by reason of having incurred expense occasioned by the burial of the member.
III. If, at the death of any person insured under a benefit contract, there is no lawful beneficiary to whom the proceeds shall be payable, the amount of such benefit, except to the extent that funeral benefits may be paid as under paragraph II, shall be payable to the personal representative of the deceased insured, provided that if the owner of the certificate is other than the insured, such proceeds shall be payable to such owner.
Source.
2003, 182:1, eff. Jan. 1, 2004.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 418 - Fraternal Benefit Societies › Section 418:17 - Benefits Not Attachable.

418:17 Benefits Not Attachable. –
No money or other benefit, charity, relief or aid to be paid, provided or rendered by any society, shall be liable to attachment, garnishment or other process, or to be seized, taken, appropriated or applied by any legal or equitable process or operation of law to pay any debt or liability of a member or beneficiary, or any other person who may have a right thereunder, either before or after payment by the society; provided, however, that this section shall not apply to loans or other obligations owing to the society from the member or his or her benefactory.
Source.
2003, 182:1, eff. Jan. 1, 2004.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 418 - Fraternal Benefit Societies › Section 418:19 - Nonforfeiture Benefits, Cash Surrender Values, Certificate Loans and Other Options.

418:19 Nonforfeiture Benefits, Cash Surrender Values, Certificate Loans and Other Options. –
I. For certificates issued prior to one year after the effective date of this act, the value of every paid-up nonforfeiture benefit and the amount of any cash surrender value, loan or other option granted shall comply with the provisions of law applicable immediately prior to the effective date of this chapter.
II. For certificates issued on or after one year from the effective date of this chapter for which reserves are computed on the Commissioner's 1941 Standard Ordinary Mortality Table, the Commissioner's 1941 Standard Industrial Table or the Commissioner's 1958 Standard Ordinary Mortality Table, or the Commissioner's 1980 Standard Mortality Table, or any more recent table made applicable to life insurers, every paid-up nonforfeiture benefit and the amount of any cash surrender value, loan or other option granted shall not be less than the corresponding amount ascertained in accordance with the laws of this state applicable to life insurers issuing policies containing like benefits based upon such tables.
Source.
2003, 182:1, eff. Jan. 1, 2004.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 418 - Fraternal Benefit Societies › Section 418:20 - Investments.

418:20 Investments. –
A society shall invest its funds only in such investments as are authorized by the laws of this state for the investment of assets of life insurers as provided in RSA 411-A. Provided, that any foreign society permitted or seeking to do business in this state, which invests its funds in accordance with the laws of the state in which it is incorporated, shall be held to meet the requirements of this section for the investment of funds.
Source.
2003, 182:1, eff. Jan. 1, 2004.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 418 - Fraternal Benefit Societies › Section 418:21 - Funds.

418:21 Funds. –
I. All assets shall be held, invested, and disbursed for the use and benefit of the society and no member or beneficiary shall have or acquire individual rights therein or become entitled to any apportionment on the surrender of any part thereof, except as provided in the benefit contract.
II. A society may create, maintain, invest, disburse and apply any special fund or funds necessary to carry out any purpose permitted by the laws of such society.
III. A society may, pursuant to resolution of its supreme governing body, establish and operate one or more separate accounts and issue contracts on a variable basis, subject to the provisions of RSA 408 regulating life insurers establishing such accounts and issuing such contracts. To the extent the society deems it necessary in order to comply with any applicable federal or state laws, or any rules issued thereunder, the society may adopt special procedures for the conduct of the business and affairs of a separate account, may, for persons having beneficial interests therein, provide special voting and other rights, including without limitation special rights and procedures relating to investment policy, investment advisory services, selection of certified public accountants, and selection of a committee to manage the business and affairs of the account, and may issue contracts on a variable basis to which RSA 418:18, II and IV shall not apply.
Source.
2003, 182:1, eff. Jan. 1, 2004.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 418 - Fraternal Benefit Societies › Section 418:22 - Exemptions.

418:22 Exemptions. –
Except as provided in this chapter, and except for RSA 405:53 through 405:60, inclusive, which are herein incorporated and made applicable hereto, societies shall be governed by this chapter and shall be exempt from all provisions of the insurance laws of this state not only in governmental relations with the state, but for every other purpose, and no law hereafter enacted shall apply to them unless they be expressly designated therein.
Source.
2003, 182:1, eff. Jan. 1, 2004.