reglab/statecodes huggingface dataset:
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-20.1 - Nonprofit Dental Service Corporations › Section 27-20.1-17. - Termination of children’s benefits.

§ 27-20.1-17. Termination of children’s benefits.
(a)
Every individual or group health insurance contract, plan, or policy delivered, issued for delivery, or renewed in this state that provides medical coverage that includes coverage for physician services in a physician’s office, and every policy that provides major medical or similar comprehensive type coverage, except for supplemental policies that only provide coverage for specified diseases and other supplemental policies, shall include a provision that policyholders shall receive no less than thirty (30) days’ notice from the nonprofit dental service corporation that a child covered as a dependent by the policyholder is about to lose his or her coverage as a result of reaching the maximum age for a dependent child and that the child will only continue to be covered upon documentation being provided of current college enrollment, or that the child may purchase a conversion policy if he or she is not a college student.
(b)
Nothing in this section prohibits a nonprofit dental service corporation from requiring a policyholder to annually provide proof of a child’s current college enrollment in order to maintain the child’s coverage. Provided, nothing in this section requires coverage inconsistent with the membership criteria in effect under the policyholder’s health benefits coverage.
History of Section.
P.L. 2000, ch. 214, § 4; P.L. 2002, ch. 292, § 40.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-20.1 - Nonprofit Dental Service Corporations › Section 27-20.1-18. - Dental insurance assignment of benefits.

§ 27-20.1-18. Dental insurance assignment of benefits.
Every entity providing a nonprofit dental service plan as defined in this chapter shall allow, as a provision in a group or individual policy, contract, or health benefit plan for coverage of dental services, any person insured by the entity to direct, in writing, that benefits from a health benefit plan, policy, or contract, be paid directly to a dental care provider who has not contracted with the entity to provide dental services to persons covered by the entity but otherwise meets the credentialing criteria of the entity and has not previously been terminated by the entity as a participating provider. If written direction to pay is executed and written notice of the direction to pay is provided to the entity, the insuring entity shall pay the benefits directly to the dental care provider. Any efforts to modify the amount of benefits paid directly to the dental care provider under this section may include a reduction in benefits paid of no more than five percent (5%) less than the benefits paid to participating dentists. The entity paying the dentist, pursuant to a direction to pay duly executed by the subscriber, shall have the right to review the records of the dentist receiving such payment that relate exclusively to that particular subscriber/patient to determine that the service in question was rendered.
History of Section.
P.L. 2004, ch. 268, § 4; P.L. 2004, ch. 386, § 4.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-20.1 - Nonprofit Dental Service Corporations › Section 27-20.1-19. - Post-payment audits.

§ 27-20.1-19. Post-payment audits.
(a)
Except as otherwise provided herein, any review, audit, or investigation by a nonprofit dental service corporation of a healthcare provider’s claims that results in the recoupment or set-off of funds previously paid to the healthcare provider in respect to the claims shall be completed no later than eighteen (18) months after the completed claims were initially paid. This section shall not restrict any review, audit, or investigation regarding claims that are submitted fraudulently; are known, or should have been known, by the healthcare provider to be a pattern of inappropriate billing according to the standards for provider billing of their respective medical or dental specialty; are related to coordination of benefits; or are subject to any federal law or regulation that permits claims review beyond the period provided herein.
(b)
No healthcare provider shall seek reimbursement from a payer for underpayment of a claim later than eighteen (18) months from the date the first payment on the claim was made, except if the claim is the subject of an appeal properly submitted pursuant to the payer’s claims appeal policies or the claim is subject to continual claims submission.
(c)
For the purposes of this section, “healthcare provider” means an individual clinician, either in practice independently or in a group, who provides healthcare services, and otherwise referred to as a non-institutional provider.
History of Section.
P.L. 2006, ch. 86, § 4; P.L. 2006, ch. 97, § 4; P.L. 2017, ch. 368, § 5; P.L. 2017, ch. 375, § 5.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-20.1 - Nonprofit Dental Service Corporations › Section 27-20.1-20. - Plan change notices.

§ 27-20.1-20. Plan change notices.
Every entity providing a nonprofit dental service plan as defined in this chapter shall notify all dentists providing services under a group or individual policy, contract, or health benefit plan for coverage of dental services, in writing, of any changes to its rules and regulations, guidelines, policies, or procedures concerning coverage of or payment for dental services. Notice of changes in terms shall be communicated to the participating dentists by the dental plan in electronic mail format or, in addition, beginning January 1, 2012, and upon the written request of the dentist, received by the nonprofit dental service plan on or before December 31, 2011, by U.S. mail, showing the changes in redline format and shall be provided to the participating dentists no later than fifteen (15) days before the effective date of the changes.
History of Section.
P.L. 2011, ch. 236, § 1; P.L. 2011, ch. 255, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-20.1 - Nonprofit Dental Service Corporations › Section 27-20.1-21. - Discretionary clauses.

§ 27-20.1-21. Discretionary clauses.
(a)
No new or existing policy or certificate may contain any provision:
(1)
Purporting to reserve sole discretion to the insurance company to determine eligibility for benefits or interpret the terms of a policy or certificate; or
(2)
Specifying or affecting a standard of review upon which a court may review denial of a claim or any other decision made by an insurance company with respect to a policyholder or certificate holder.
(b)
Any such clause or language included in a contract, policy, or certificate issued to or covering a resident of this state that is contrary to or inconsistent with the provisions of this section is void and unenforceable.
(c)
Nothing in this section prohibits an insurer from including a provision in a contract that informs an insured that as part of its routine operations the insurer applies the terms of its contracts for making decisions, including making determinations regarding eligibility, receipt of benefits and claims, or explaining policies, procedures, and processes, so long as the provision could not give rise to a deferential standard of review by any reviewing court.
History of Section.
P.L. 2013, ch. 85, § 5; P.L. 2013, ch. 94, § 5.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-20.1 - Nonprofit Dental Service Corporations › Section 27-20.1-22. - Consumer notification.

§ 27-20.1-22. Consumer notification.
Every nonprofit dental service corporation providing dental benefits to subscribers shall include on the identification card provided to its subscribers on the front of the cards the following language when the underlying plan contains a nonduplication of benefits clause: “NO DUPLICATION OF BENEFITS”.
History of Section.
P.L. 2013, ch. 452, § 4; P.L. 2013, ch. 479, § 4.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-20.2 - Nonprofit Optometric Service Corporations › Section 27-20.2-1. - Definitions.

§ 27-20.2-1. Definitions.
As used in this chapter:
(1)
“Nonprofit optometric service corporation” means any corporation organized pursuant to this chapter for the purpose of establishing, maintaining, and operating a nonprofit optometric service plan.
(2)
“Nonprofit optometric service plan” means a plan by which specified optometric service is provided to subscribers to the plan by a nonprofit optometric service corporation.
(3)
“Optometric service” means the professional services rendered by persons duly licensed under the laws of this state to practice optometry or the expense indemnity for the services, appliances, supplies, and care as may be specified in any nonprofit optometric service plan. Optometric service shall not be construed to include hospital services.
(4)
“Subscribers” means those persons or groups of persons who contract with a nonprofit optometric service corporation for optometric service pursuant to a nonprofit optometric service plan.
History of Section.
P.L. 1960, ch. 69, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-20.2 - Nonprofit Optometric Service Corporations › Section 27-20.2-2. - Organization.

§ 27-20.2-2. Organization.
(a)
Five (5) or more optometrists duly licensed to practice under the laws of this state who are members of the Rhode Island Optometric Association and who first obtain authorization to do so by the Rhode Island Optometric Association, as evidenced by an affidavit of the president and secretary of the association, may associate themselves by written articles of association for the incorporation of a nonprofit optometric service corporation under the provisions of chapter 6 of title 7.
(b)
The laws of this state relative to insurance companies or to the business of insurance, and acts in amendment of or in addition to them, shall not apply to any nonprofit optometric service corporation unless expressly so provided in the laws.
(c)
A majority of the directors of a nonprofit optometric service corporation, other than a corporation organized pursuant to the provisions of chapter 19 of this title, must at all times be optometrists duly licensed to practice under the laws of this state.
History of Section.
P.L. 1960, ch. 69, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-20.2 - Nonprofit Optometric Service Corporations › Section 27-20.2-3. - Contracts.

§ 27-20.2-3. Contracts.
(a)
Each nonprofit optometric service corporation may contract with its subscribers for an optometric service under any nonprofit optometric service plan adopted by the corporation.
(b)
The rates charged by the nonprofit optometric service corporation to its subscribers shall be consistent with the proper conduct of its business and the interests of the public, and shall at all times be subject to the approval of the director of business regulation.
(c)
Nothing contained in this chapter or in any nonprofit optometric service plan shall affect the ordinary professional relationship between the person rendering optometric services under the plan and the subscriber to whom the services are rendered; and no action based upon or arising out of the relationship or relating to optometric services rendered pursuant to a nonprofit optometric service plan shall be maintained against the nonprofit optometric service corporation operating the plan.
History of Section.
P.L. 1960, ch. 69, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-20.2 - Nonprofit Optometric Service Corporations › Section 27-20.2-4. - Annual and quarterly statements.

§ 27-20.2-4. Annual and quarterly statements.
(a)
Every nonprofit optometric service corporation shall annually, on or before the first day of March in each year, file in the office of the commissioner of insurance a statement, verified by at least two (2) of the principal officers of the corporation, of its condition on the 31st day of December then next preceding, which statement shall contain any matters the director of business regulation shall prescribe and shall be available for inspection by the public.
(b)
Every nonprofit optometric service corporation shall also file quarterly statements with the insurance commissioner, due on or before forty-five (45) days after the quarter ending in accordance with the National Association of Insurance Commissioners’ guidelines and procedures, and shall be available for inspection by the public.
(c)
The insurance commissioner shall also require compliance with chapters 12 and 12.1 of this title.
History of Section.
P.L. 1960, ch. 69, § 1; P.L. 1994, ch. 404, § 4; P.L. 1996, ch. 188, § 12.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-20.2 - Nonprofit Optometric Service Corporations › Section 27-20.2-5. - Examination of affairs of corporation.

§ 27-20.2-5. Examination of affairs of corporation.
It shall be the duty of the director of business regulation to make an examination of the financial condition and methods of doing business of every nonprofit optometric service corporation. The examination shall be performed, and the associated costs shall be borne by the company, in accordance with all provisions of chapter 13.1 of this title.
History of Section.
P.L. 1960, ch. 69, § 1; P.L. 1994, ch. 404, § 4.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-20.2 - Nonprofit Optometric Service Corporations › Section 27-20.2-6. - Commission plans for solicitors or insurance producers.

§ 27-20.2-6. Commission plans for solicitors or insurance producers.
No person shall be engaged to solicit subscribers to any nonprofit optometric service plan upon a commission basis or upon any other basis by which the payment of the compensation or expenses of the person shall be conditioned upon the enrollment of subscribers, unless the method of solicitation and rate of compensation shall have had the prior written approval of the director of business regulation.
History of Section.
P.L. 1960, ch. 69, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-20.2 - Nonprofit Optometric Service Corporations › Section 27-20.2-7. - Investment standards.

§ 27-20.2-7. Investment standards.
(a)
All nonprofit optometric service corporations shall protect the interests of subscribers by promoting company solvency and financial strength through the application of investment standards that facilitate a reasonable balance of the following objectives:
(1)
To preserve principal;
(2)
To ensure reasonable diversification as to type of investment, issuer, and credit quality; and
(3)
To allow the nonprofit optometric service corporation to allocate investments in a manner consistent with principles of prudent investment management to achieve an adequate return so that obligations to subscribers are adequately met and financial strength is sufficient to cover reasonably foreseeable contingencies.
(b)
All investments, including, but not limited to, those referred to in this chapter, shall be made and held in accordance with the objectives in subsection (a) subject to the limitations set forth in this chapter and in regulations promulgated pursuant to this chapter. Investments not conforming to this chapter and any regulations promulgated pursuant to this chapter are not considered admitted assets.
History of Section.
P.L. 1960, ch. 69, § 1; P.L. 1999, ch. 45, § 4.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-20.2 - Nonprofit Optometric Service Corporations › Section 27-20.2-8. - Corporation deemed public charitable institution.

§ 27-20.2-8. Corporation deemed public charitable institution.
Every nonprofit optometric service corporation is declared to be, and shall be deemed to be, a charitable institution and an incorporated public charitable institution and shall be subject to the provisions of chapter 6 of title 7, except as otherwise expressly provided in this chapter, and to this chapter.
History of Section.
P.L. 1960, ch. 69, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-20.2 - Nonprofit Optometric Service Corporations › Section 27-20.2-9. - Adoption of chapter by hospital service corporation.

§ 27-20.2-9. Adoption of chapter by hospital service corporation.
Any nonprofit hospital service corporation organized pursuant to the provisions of chapter 19 of this title, that first obtains authorization to do so by the Rhode Island Optometric Association as evidenced by the affidavit of the president and secretary of the association, may amend its articles of association to adopt the provisions of this chapter, and upon that adoption the corporation shall have and exercise all of the powers and be subject to all of the duties and responsibilities of a nonprofit optometric service corporation to the same extent as though it had been incorporated as a nonprofit optometric service corporation.
History of Section.
P.L. 1960, ch. 69, § 1; P.L. 2002, ch. 292, § 41.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-20.2 - Nonprofit Optometric Service Corporations › Section 27-20.2-10. - Nonprofit optometric service corporation assessment.

§ 27-20.2-10. Nonprofit optometric service corporation assessment.
(a)
Notwithstanding any other provisions of law, each domestic nonprofit optometric service corporation shall be charged an assessment to partially support the activities of the division of insurance in the department of business regulation.
(b)
The minimum assessment charged shall be one thousand dollars ($1,000).
History of Section.
P.L. 1990, ch. 65, art. 29, § 5; P.L. 1993, ch. 180, § 20; P.L. 2002, ch. 292, § 134.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-20.2 - Nonprofit Optometric Service Corporations › Section 27-20.2-11. - Rehabilitation, liquidation, or conservation.

§ 27-20.2-11. Rehabilitation, liquidation, or conservation.
(a)
Any rehabilitation, liquidation, administrative supervision, or conservation of a nonprofit optometric service corporation organized under this chapter shall be conducted under the supervision of the director of business regulation pursuant to chapters 14.1, 14.2, and 14.3 of this title. The director of business regulation may apply for an order from the superior court directing the director of business regulation to rehabilitate, liquidate, or conserve a nonprofit optometric service corporation upon any one or more of the following grounds:
(1)
That the nonprofit optometric service corporation is insolvent; for the purposes of this section, the term “insolvent” means the inability of the nonprofit optometric service corporation to meet its debts and financial obligations as they become due;
(2)
That the nonprofit optometric service corporation fails or refuses to comply with a lawful order of the director of business regulations reasonably designed to correct unsound business policies or practices that, if uncorrected, could reasonably lead to insolvency as defined in subsection (a)(1) of this section; or
(3)
That the nonprofit optometric service corporation’s financial condition is such as to render its further transaction of business hazardous to the public or its subscribers or members.
(b)
A claim by a healthcare provider shall not be asserted against any subscriber or member of the nonprofit optometric service corporation in the event of the rehabilitation, liquidation, conservation, or administrative supervision of the nonprofit optometric service corporation.
History of Section.
P.L. 1993, ch. 180, § 21.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-20.2 - Nonprofit Optometric Service Corporations › Section 27-20.2-12. - Holding company systems.

§ 27-20.2-12. Holding company systems.
All of the provisions of chapter 35 of this title apply to corporations organized or licensed pursuant to this chapter. Any approval granted by the director pursuant to chapter 35 of this title shall not supersede any other approval under Rhode Island law relative to mergers or other acquisitions of nonprofit optometric service corporations in their capacity as Rhode Island charitable nonprofit corporations.
History of Section.
P.L. 1993, ch. 180, § 21; P.L. 1998, ch. 90, § 4; P.L. 2000, ch. 178, § 6; P.L. 2000, ch. 200, § 16; P.L. 2000, ch. 229, § 16.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-20.2 - Nonprofit Optometric Service Corporations › Section 27-20.2-12.1. - No derogation of attorney general.

§ 27-20.2-12.1. No derogation of attorney general.
No provision of this chapter shall derogate from the common law or statutory authority of the attorney general nor shall any provision be construed as a limitation on the common law or statutory authority of the attorney general, including the authority to investigate at any time charitable assets for the purpose of determining and ascertaining whether they are being administered in accordance with law and with the terms and purposes of the charity.
History of Section.
P.L. 1998, ch. 90, § 9.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-20.2 - Nonprofit Optometric Service Corporations › Section 27-20.2-13. - Regulations.

§ 27-20.2-13. Regulations.
The director of business regulation may adopt reasonable rules and regulations for the implementation and administration of the provisions of this chapter.
History of Section.
P.L. 1993, ch. 180, § 21.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-20.2 - Nonprofit Optometric Service Corporations › Section 27-20.2-14. - Termination of children’s benefits.

§ 27-20.2-14. Termination of children’s benefits.
(a)
Every individual or group health insurance contract, plan, or policy delivered, issued for delivery, or renewed in this state that provides medical coverage that includes coverage for physician services in a physician’s office, and every policy that provides major medical or similar comprehensive type coverage, except for supplemental policies that only provide coverage for specified diseases and other supplemental policies, shall include a provision that policyholders shall receive thirty (30) days’ notice from the nonprofit optometric service corporation that a child covered as a dependent by the policyholder is about to lose his or her coverage as a result of reaching the maximum age for a dependent child and that the child will only continue to be covered upon documentation being provided of current college enrollment, or that the child may purchase a conversion policy if he or she is not a college student.
(b)
Nothing in this section prohibits a nonprofit optometric service corporation from requiring a policyholder to annually provide proof of a child’s current college enrollment in order to maintain the child’s coverage. Provided further, nothing in this section requires coverage inconsistent with the membership criteria in effect under the policyholder’s health benefits coverage.
History of Section.
P.L. 2000, ch. 214, § 5; P.L. 2002, ch. 292, § 41.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-20.3 - Nonprofit Legal Service Corporations › Section 27-20.3-1. - Definitions.

§ 27-20.3-1. Definitions.
As used in this chapter:
(1)
“Legal service” means the professional services rendered by persons duly licensed under the laws of this state to engage in the practice of law who have agreed to perform services as may be specified under any nonprofit prepaid legal service plan, and to accept payment for the services on the basis provided in the plan. The plan shall ensure that every subscriber will be able to choose any attorney he or she desires who has agreed to participate as a member of a nonprofit prepaid legal service plan, and if a subscriber has no preference, a fair method shall be available to ensure that every attorney who has agreed to participate as a member of a nonprofit prepaid legal service plan is given an equal opportunity to be selected for legal service.
(2)
“Nonprofit prepaid legal service corporation” means any corporation organized pursuant to this chapter for the purpose of establishing, maintaining, and operating a nonprofit prepaid legal services plan.
(3)
“Nonprofit prepaid legal services plan” means any plan by which reimbursement for specified legal services is provided to participating attorneys or subscribers to the plan by a nonprofit prepaid legal service corporation, and the plan shall be open for participation to all qualified, practicing members of the Rhode Island Bar Association.
(4)
“Subscribers” means those persons or groups of persons who shall contract with a nonprofit legal service corporation for reimbursement for specified legal services pursuant to a nonprofit legal services plan.
History of Section.
P.L. 1976, ch. 179, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-20.3 - Nonprofit Legal Service Corporations › Section 27-20.3-2. - Organization.

§ 27-20.3-2. Organization.
(a)
Five (5) or more lawyers duly licensed to practice under the laws of this state who are members of the Rhode Island Bar Association and who first obtain authorization to do so by the Rhode Island Bar Association, as evidenced by an affidavit of the president and secretary of the association, may associate themselves by written articles of association for the incorporation of a nonprofit prepaid legal service corporation. The laws of this state relative to insurance companies or to the business of insurance, and acts in amendment of or in addition to them, shall not apply to any nonprofit prepaid legal service corporation unless expressly so provided in the laws. Nonprofit prepaid legal service corporations shall have all of the corporate powers of nonbusiness corporations as specified in chapter 6 of title 7.
(b)
The directors of any nonprofit prepaid legal service corporation shall consist of an equal number of attorneys duly licensed to practice under the laws of this state and of persons representing the public who are not attorneys.
History of Section.
P.L. 1976, ch. 179, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-20.3 - Nonprofit Legal Service Corporations › Section 27-20.3-3. - Contracts.

§ 27-20.3-3. Contracts.
(a)
A nonprofit prepaid legal service corporation may contract with its subscribers for legal services that may be provided under any nonprofit prepaid legal services plan adopted by the corporation.
(b)
Every nonprofit prepaid legal service corporation shall, before accepting applications for participation in a nonprofit prepaid legal services plan, establish a reserve fund of not less than ten percent (10%) of the claims and expenses projected by the board of directors of the corporation for its first fiscal year of operation. At the time or times that the corporation shall adjust its rates, it shall include a factor for the protection of its subscribers projected to produce a reserve fund at the end of the rating period applied for of not less than ten percent (10%) of the most recent twelve (12) months of claims and operating expenses available at the time of filing its request for approval of the rates.
(c)
The rates charged by the nonprofit prepaid legal service corporation to its subscribers shall be consistent with the proper conduct of its business and the interests of the public, and shall at all times be subject to the approval of the director of business regulation.
(d)
Nothing contained in this chapter or in any nonprofit prepaid legal service plan shall affect the ordinary professional relationship between the person rendering legal services under the plan and the subscriber to whom the services are rendered; and no action based upon or arising out of the relationship or relating to legal services rendered pursuant to a nonprofit prepaid legal services plan shall be maintained against the nonprofit prepaid legal service corporation operating the plan.
History of Section.
P.L. 1976, ch. 179, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-20.3 - Nonprofit Legal Service Corporations › Section 27-20.3-4. - Annual and quarterly statements.

§ 27-20.3-4. Annual and quarterly statements.
(a)
Every nonprofit prepaid legal service corporation shall annually, on or before the first day of March in each year, file in the office of the commissioner of insurance a statement, verified by at least two (2) of the principal officers of the corporation, of its condition on the thirty-first day of December then next preceding, which statement shall contain any matters relating to its financial operation, financial condition, and reserves as the director of business regulation shall prescribe, and shall be available for inspection by the public.
(b)
Every nonprofit prepaid legal service corporation shall also file quarterly statements with the insurance commissioner, due on or before forty-five (45) days after the quarter ending in accordance with the National Association of Insurance Commissioners’ guidelines and procedures, and shall be available for inspection by the public.
(c)
The insurance commissioner shall also require compliance with chapters 12 and 12.1 of this title.
History of Section.
P.L. 1976, ch. 179, § 1; P.L. 1994, ch. 404, § 5; P.L. 1996, ch. 188, § 13.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-20.3 - Nonprofit Legal Service Corporations › Section 27-20.3-5. - Examination of affairs of corporation.

§ 27-20.3-5. Examination of affairs of corporation.
It shall be the duty of the director of business regulation to make an examination of the financial condition and methods of doing business of every nonprofit prepaid legal service corporation. The examination shall be performed, and the associated costs shall be borne by the company, in accordance with all provisions of chapter 13.1 of this title.
History of Section.
P.L. 1976, ch. 179, § 1; P.L. 1994, ch. 404, § 5.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-20.3 - Nonprofit Legal Service Corporations › Section 27-20.3-6. - Commission plans for solicitors or insurance producers.

§ 27-20.3-6. Commission plans for solicitors or insurance producers.
No person shall be engaged to solicit subscribers to any nonprofit prepaid legal services plan upon a commission basis or upon any other basis by which the payment of the compensation or expenses of the person shall be conditioned upon the enrollment of subscribers, unless the method of solicitation and rate of compensation shall have had the prior written approval of the director of business regulation.
History of Section.
P.L. 1976, ch. 179, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-20.3 - Nonprofit Legal Service Corporations › Section 27-20.3-7. - Investment standards.

§ 27-20.3-7. Investment standards.
(a)
All nonprofit prepaid legal service corporations shall protect the interests of subscribers by promoting company solvency and financial strength through the application of investment standards that facilitate a reasonable balance of the following objectives:
(1)
To preserve principal;
(2)
To ensure reasonable diversification as to type of investment, issuer, and credit quality; and
(3)
To allow the nonprofit prepaid legal service corporation to allocate investments in a manner consistent with principles of prudent investment management to achieve an adequate return so that obligations to subscribers are adequately met and financial strength is sufficient to cover reasonably foreseeable contingencies.
(b)
All investments, including, but not limited to, those referred to in this chapter, shall be made and held in accordance with the objectives in subsection (a) subject to the limitations set forth in this chapter and in regulations promulgated pursuant to this chapter. Investments not conforming to this chapter and any regulations promulgated pursuant to this chapter are not considered admitted assets.
History of Section.
P.L. 1976, ch. 179, § 1; P.L. 1999, ch. 45, § 5.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-20.3 - Nonprofit Legal Service Corporations › Section 27-20.3-8. - Corporation deemed public charitable institution.

§ 27-20.3-8. Corporation deemed public charitable institution.
Every nonprofit prepaid service corporation is declared to be, and shall be deemed to be, a charitable institution and shall be subject to the provisions of chapter 6 of title 7, except as otherwise expressly provided in this chapter, and to this chapter.
History of Section.
P.L. 1976, ch. 179, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-20.3 - Nonprofit Legal Service Corporations › Section 27-20.3-9. - Operational agreements.

§ 27-20.3-9. Operational agreements.
(a)
Any nonprofit hospital service corporation, organized pursuant to provisions of chapter 19 of this title, is authorized to enter into administrative agreements with nonprofit prepaid legal service corporations organized pursuant to the provisions of this chapter.
(b)
Nonprofit prepaid legal service corporations, organized pursuant to the provisions of this chapter, are authorized to enter into administrative agreements with any nonprofit hospital service corporation organized pursuant to the provisions of chapter 19 of this title or commercial insurance companies duly licensed and authorized to conduct business in this state.
(c)
In the event a nonprofit prepaid legal service corporation, organized pursuant to the provisions of this chapter, enters into an administrative agreement with a commercial insurance company duly licensed and authorized to conduct business in this state, nothing contained in this chapter shall be construed to exempt the commercial insurance company from the laws of this state regulating insurance companies or the regulations of the director of business regulation applicable to the company.
History of Section.
P.L. 1976, ch. 179, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-20.3 - Nonprofit Legal Service Corporations › Section 27-20.3-10. - Nonprofit legal service corporation assessment.

§ 27-20.3-10. Nonprofit legal service corporation assessment.
(a)
Notwithstanding any other provisions of law, each domestic nonprofit legal service corporation shall be charged an assessment to partially support the activities of the division of insurance in the department of business regulation.
(b)
The minimum assessment charged shall be one thousand dollars ($1,000).
History of Section.
P.L. 1990, ch. 65, art. 29, § 6; P.L. 1993, ch. 180, § 22; P.L. 2002, ch. 292, § 135.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-20.3 - Nonprofit Legal Service Corporations › Section 27-20.3-11. - Rehabilitation, liquidation, or conservation.

§ 27-20.3-11. Rehabilitation, liquidation, or conservation.
(a)
Any rehabilitation, liquidation, administrative supervision, or conservation of a nonprofit legal service corporation organized under this chapter shall be conducted under the supervision of the director of business regulation pursuant to chapters 14.1, 14.2, and 14.3 of this title. The director of business regulation may apply for an order from the superior court directing the director of business regulation to rehabilitate, liquidate, or conserve a nonprofit legal service corporation upon any one or more of the following grounds:
(1)
That the nonprofit legal service corporation is insolvent; for the purposes of this section, the term “insolvent” means the inability of the nonprofit legal service corporation to meet its debts and financial obligations as they become due;
(2)
That the nonprofit legal service corporation fails or refuses to comply with a lawful order of the director of business regulation reasonably designed to correct unsound business policies or practices that, if uncorrected, could reasonably lead to insolvency as defined in subsection (a)(1) of this section; or
(3)
That the nonprofit legal service corporation’s financial condition is such as to render its further transaction of business hazardous to the public or its subscribers or members.
(b)
A claim by a healthcare provider shall not be asserted against any subscriber or member of the nonprofit legal service corporation in the event of the rehabilitation, liquidation, conservation, or administrative supervision of the nonprofit legal service corporation.
History of Section.
P.L. 1993, ch. 180, § 23.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-20.3 - Nonprofit Legal Service Corporations › Section 27-20.3-12. - Holding company systems.

§ 27-20.3-12. Holding company systems.
All provisions of chapter 35 of this title apply to corporations organized or licensed pursuant to this chapter. Any approval granted by the director pursuant to chapter 35 of this title shall not supersede any other approval under Rhode Island law relative to mergers or other acquisitions of nonprofit legal service corporations in their capacity as Rhode Island charitable nonprofit corporations.
History of Section.
P.L. 1993, ch. 180, § 23; P.L. 2000, ch. 178, § 7; P.L. 2000, ch. 200, § 17; P.L. 2000, ch. 229, § 17.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-20.3 - Nonprofit Legal Service Corporations › Section 27-20.3-13. - Regulations.

§ 27-20.3-13. Regulations.
The director of business regulation may adopt reasonable rules and regulations for the implementation and administration of the provisions of this chapter.
History of Section.
P.L. 1993, ch. 180, § 23.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-20.4 - Insurance Continuation Act › Section 27-20.4-1. - Continuation of health plan coverage for former spouse.

§ 27-20.4-1. Continuation of health plan coverage for former spouse.
(a)
In the event of a final judgment of divorce, whether absolute or otherwise, where one party to the divorce was at the time of the entry of the judgment for divorce a member of a health plan providing family coverage regulated under chapter 18, 19, 20, or 20.1 of this title and § 42-62-13, or a member of a health maintenance organization as defined in § 42-62-4, or any similar health plan whether regulated under these chapters and sections or not, the person who was the spouse of the party prior to the entry of judgment for divorce may remain eligible for continuing benefits under the plan and health maintenance organization without additional premium or examination if the order is included in the judgment when entered. The eligibility shall continue as long as the original member is a participant in the plan or health maintenance organization and until either one of the following shall take place: (1) The remarriage of either party to the divorce, or (2) Until a time as provided by the judgment for divorce. If the person who was the spouse of a member of a plan or health maintenance organization as set forth in this subsection becomes eligible to participate in a comparable plan or health maintenance organization through his or her own employment, the continuation of the original plan coverage shall cease. Any final decree continuing family health insurance shall require both the member and the spouse to notify the insurer promptly of any remarriage.
(b)
The person who was the spouse and remains eligible for continuing benefits under the provisions of this section or any custodial guardian of an insured minor child of the original member, having paid for covered medical costs subject to reimbursement, shall be reimbursed directly by the insurer upon the filing of the claim. The insurer shall not require that the claim be filed through the insured member, but must allow for direct filing.
History of Section.
P.L. 1983, ch. 148, § 1; P.L. 1984, ch. 32, § 1; P.L. 1993, ch. 276, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-20.4 - Insurance Continuation Act › Section 27-20.4-2. - Effect of remarriage on continuation of plan coverage.

§ 27-20.4-2. Effect of remarriage on continuation of plan coverage.
If a member of a health plan or health maintenance organization as set forth in § 27-20.4-1 shall be excluded from coverage by the remarriage of his or her former spouse, the person excluded shall have the right to purchase within thirty (30) days without evidence of insurability an individual policy from the health plan or health maintenance organization previously insuring that person.
History of Section.
P.L. 1983, ch. 148, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-20.4 - Insurance Continuation Act › Section 27-20.4-3. - Definitions.

§ 27-20.4-3. Definitions.
As used in this chapter, the following terms have the following meaning:
(1)
“Director” means the director of the department of business regulation.
(2)
“Individual contract” means any health benefit contract that is not a group contract.
(3)
“Insurer” means every medical service corporation, hospital service corporation, health maintenance organization licensed under chapter 41 of this title or as defined in § 42-62-4, or insurance company offering and/or insuring health services.
(4)
“Late enrollee” means a person who requests enrollment in a group plan following the initial enrollment period provided under the terms of the plan, except that a person is not a late enrollee if:
(i)
The request for enrollment is made within thirty (30) days after the termination of coverage under a prior contract or policy and the individual did not request coverage initially under the succeeding contract because that individual was covered under a prior contract and coverage under that contract ceased due to termination of employment, death of a spouse, or divorce; or
(ii)
A court has ordered that coverage be provided for a spouse or minor child under a covered employee’s plan and the request for coverage is made within thirty (30) days after issuance of the court order.
(5)
“Prior contract” means the group or individual health benefit contract or health benefit plan that previously covered the person.
(6)
“Replacement contract” means a total group health benefit contract that replaces another total group health benefit contract.
(7)
“Succeeding contract” means the group health benefit contract under which the person is seeking coverage or a different health benefit plan under the same group health benefit contract.
(8)
“Total group contract” means a health benefit contract for the coverage of all eligible members of the employer health plan.
History of Section.
P.L. 1991, ch. 321, § 1; P.L. 1992, ch. 387, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-20.4 - Insurance Continuation Act › Section 27-20.4-4. - Continuity on replacement of total group contract.

§ 27-20.4-4. Continuity on replacement of total group contract.
(a)
Notwithstanding any other provision of law, this section applies to all health plans providing coverage regulated by chapters 18, 19, 20, 20.1, and 41 of this title and to all total group contracts, except group long-term care policies issued by an insurer to contract holders who are obtaining coverage to replace coverage under a different contract or policy issued by any insurer.
(b)
This section provides continuity of coverage to eligible persons under the succeeding contract who were covered under a total group contract at any time during the ninety (90) days before the discontinuance of the total group contract, when that contract is replaced by another total group contract.
(c)
In a replacement contract subject to this section, an insurer may not, for any person described in subsection (b) of this section:
(1)
Request that the person provide or seek to obtain evidence of insurability other than to:
(i)
Determine whether the group as a whole is insurable;
(ii)
Determine rates for the whole group; and
(iii)
Make reinsurance decisions;
(2)
Decline to enroll the person on the basis of evidence of insurability if the person is eligible for coverage; or
(3)
Impose a period during which benefits are excluded or limited with respect to preexisting conditions on that person, except as provided in this section.
(d)
Notwithstanding subsection (c) of this section, any person who was covered under the replaced total group contract for fewer than ninety (90) continuous days may be subject to a preexisting condition exclusion or waiting period in the replacement contract, provided the period is not longer than ninety (90) days and credit is given for satisfaction or partial satisfaction of any preexisting condition exclusions or limitations under the replaced total group contract.
(e)
The insurer that issued the replaced contract or policy is liable after the discontinuance of that contract or policy only to the extent of its accrued liability and any extensions of benefits provided in its contract.
History of Section.
P.L. 1991, ch. 321, § 1; P.L. 1992, ch. 387, § 1; P.L. 1994, ch. 381, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-20.4 - Insurance Continuation Act › Section 27-20.4-5. - Continuity of coverage for individual who changes groups, changes insurers within the same group, or changes benefit plans provided by the same insurer.

§ 27-20.4-5. Continuity of coverage for individual who changes groups, changes insurers within the same group, or changes benefit plans provided by the same insurer.
(a)
This section applies to all health benefit group contracts issued by an insurer when a member of the group changes from one group to another group due to a change in employment, or when due to the action of the employer or insurer is: (1) Forced to change from one benefit plan to another; or (2) Forced to change from one insurer to another.
(b)
Except as provided in subsection (c) of this section, this section provides continuity of coverage for a person who seeks coverage under a succeeding contract if coverage under the prior contract is terminated within three (3) months before the date the person enrolls or is eligible to enroll in the succeeding contract. No period of ineligibility for any health plan imposed by terms of employment may be considered in determining whether the coverage ended within three (3) months of the date the person enrolls or would be eligible to enroll, and if:
(1)
That person was covered under an individual or group contract or policy issued by any insurer and that person’s health benefit plan was eliminated by the employer or the insurer; or
(2)
That person was covered under an individual or group contract or policy issued by any insurer and that person has terminated employment and at, or following, termination of employment that person is not eligible or is no longer eligible for COBRA continuation coverage under group health plans as provided for in 42 U.S.C. § 300bb-1 et seq., or for extended medical benefits as provided in chapter 19.1 of this title.
(c)
Notwithstanding subsection (b) of this section, this section does not provide continuity of coverage for a late enrollee.
(d)
Except as otherwise provided in this section, in a group health benefit contract subject to this section, any insurer covering employees of the employer must, for any person described in subsection (b) of this section, waive any medical underwriting, but only to the extent that the underwriting is used to exclude a specific condition or the person, or waive preexisting conditions exclusion or limitations to the extent that benefits would have been payable under the prior contract if that contract were still in effect. The issuer of the succeeding contract is not required to duplicate any benefits covered by the issuer of the prior contract.
History of Section.
P.L. 1991, ch. 321, § 1; P.L. 1992, ch. 387, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-20.4 - Insurance Continuation Act › Section 27-20.4-6. - Jurisdiction.

§ 27-20.4-6. Jurisdiction.
This chapter shall apply to policies and certificates issued, delivered, or renewed in the state of Rhode Island and certificates of multiple employer trusts located in other states where the employer is located in the state of Rhode Island.
History of Section.
P.L. 1992, ch. 387, § 2.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-20.4 - Insurance Continuation Act › Section 27-20.4-7. - Rulemaking authority.

§ 27-20.4-7. Rulemaking authority.
The director shall issue regulations in accordance with chapter 35 of title 42 for the implementation and administration of this chapter.
History of Section.
P.L. 1992, ch. 387, § 2.