Title 27

This article may be known and cited as the “Alabama Long-Term Care Insurance Policy Minimum Standards Act.” (Act 2000-795, p. 1876, §5.)

Unless the context requires otherwise, the definitions in this section apply throughout this article. (1) APPLICANT. In the case of: a. An individual long-term care insurance policy, the person who seeks to contract for benefits. b. A group long-term care insurance policy, the pr…

No group long-term care insurance coverage may be offered to a resident of this state under a group policy issued in another state to a group described in Section 27-19-103(4)d, unless this state or another state having statutory and regulatory long-term care insurance requiremen…

(a) The commissioner may adopt regulations that include standards for full and fair disclosure setting forth the manner, content, and required disclosures for the sale of long-term care insurance policies, terms of renewability, initial and subsequent conditions of eligibility, n…

(a) For a policy or certificate that has been in force for less than six months an insurer may rescind a long-term care insurance policy or certificate or deny an otherwise valid long-term care insurance claim upon a showing of misrepresentation that is material to the acceptance…

(a) Except as provided in subsection (b), a long-term care insurance policy may not be delivered or issued for delivery in this state unless the policyholder or certificateholder has been offered the option of purchasing a policy or certificate including a nonforfeiture benefit. …

The commissioner shall issue reasonable regulations to promote premium adequacy and to protect the policyholder in the event of substantial rate increases, and to establish minimum standards for marketing practices, agent compensation, agent testing, penalties, and reporting prac…

In addition to any other penalties provided by the laws of this state, any insurer and any agent found to have violated any requirement of this state relating to the regulation of long-term care insurance or the marketing of this insurance shall be subject to a fine of up to thre…

Regulations promulgated pursuant to this article shall be subject to Chapter 2. (Act 2000-795, p. 1876, §5.)

The purpose of this article is to authorize disability insurers to expand their fully insured benefits to include paid family leave benefits through employer-sponsored group insurance policies or voluntarily purchased employee policies. (Act 2023-112, §1.)

This article shall be known and may be cited as the Paid Family Leave Income Replacement Benefits Act. (Act 2023-112, §1.)

For purposes of this article, the following terms have the following meanings: (1) CHILD. An individual who is: a. Under 19 years of age. b. 19 years of age or older and incapable of self-care because of a mental or physical disability. c. Either paragraph a. or b. and a biologic…

Family leave benefits may be provided for any leave taken by an employee from work to do any of the following: (1) Participate in providing care, including physical or psychological care, for a family member of the employee made necessary by a serious health condition of the fami…

The insurance policy shall set forth the details and requirements with regard to each of the covered family leave reasons. (Act 2023-112, §1.)

The insurance policy shall set forth the length of family leave benefits that are available for each covered family leave reason, which will in no event be less than two weeks during a period of 52 consecutive calendar weeks. Fifty-two consecutive calendar weeks may be calculated…

The insurance policy shall set forth whether there is an unpaid waiting period and, if so, the terms and conditions of the unpaid waiting period, which may include, but are not limited to, all of the following: (1) Whether the waiting period runs over a consecutive calendar day p…

(a) The insurance policy shall set forth all of the following: (1) The amount of benefits that will be paid for covered family leave reasons. (2) The definition of the wages or other income upon which the amount of family leave benefits will be based. (3) How the wages or other i…

Eligibility for family leave benefits under this article may be limited, excluded, or reduced, but any limitations, exclusions, or reductions shall be set forth in the insurance policy. Permissible limitations, exclusions, or reductions may include, but are not limited to, any of…

Family leave benefits provided under this article shall be paid periodically and promptly as provided in Section 27-19-11 except as to a contested period of family leave and subject to any of the provisions of Section 27-19-158. (Act 2023-112, §1.)

(a) Premiums for policies or riders providing paid family leave benefits in accordance with state disability income insurance law shall be calculated in accordance with applicable state insurance law. (b) Insurance policies issued pursuant to this article may offer coverage for p…

(a) This article shall be known and may be cited as the Health Savings Account State-Federal Regulatory Coordination Act. (b) The purpose of this article is to protect the efficacy of Health Savings Account (HSA) qualified plans via a legislative exception or safe harbor from any…