Title 27 — Title 27

Nothing in this article shall apply to or affect: (1) Any policy of liability or workmen’s compensation insurance, with or without supplementary expense coverage therein; (2) Any group or blanket policy; (3) Life insurance, endowment, or annuity contracts, or contracts supplement…

There shall be a provision as follows: “Proofs of Loss: Written proof of loss must be furnished to the insurer at its said office in case of claim for loss for which this policy provides any periodic payment contingent upon continuing loss within 90 days after the termination of …

The purpose of this article is to promote the public interest, to promote the availability of long-term care insurance policies, to protect applicants for long-term care insurance, as defined, from unfair or deceptive sales or enrollment practices, to establish standards for long…

The requirements of this article shall apply to policies delivered or issued for delivery in this state on or after August 1, 2000. This article is not intended to supersede the obligations of entities subject to this article to comply with the substance of other applicable insur…

This article may be known and cited as the “Alabama Long-Term Care Insurance Policy Minimum Standards Act.” History: (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…

Summary, and Monthly Report. (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…

(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…

There shall be a provision as follows: “Time of Payment of Claims: Indemnities payable under this policy for any loss, other than loss for which this policy provides periodic payment, will be paid immediately upon receipt of due written proof of such loss. Subject to due written …

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

There shall be a provision as follows: “Payment of Claims: Indemnity for loss of life will be payable in accordance with the beneficiary designation and the provisions respecting such payment which may be prescribed herein and effective at the time of payment. If no such designat…

There shall be a provision as follows: “Physical Examinations and Autopsy: The insurer at its own expense shall have the right and opportunity to examine the person of the insured when, and as often as, it may reasonably require during the pendency of a claim hereunder and to mak…

There shall be a provision as follows: “Legal Actions: No action shall be brought to recover on this policy prior to the expiration of 60 days after written proof of loss has been furnished in accordance with the requirements of this policy. No such action shall be brought after …

There shall be a provision as follows: “Change of Beneficiary: Unless the insured makes an irrevocable designation of beneficiary, the right to change a beneficiary is reserved to the insured and the consent of the beneficiary, or beneficiaries, shall not be requisite to surrende…

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. History: (Act 2023-112, §1.)

This article shall be known and may be cited as the Paid Family Leave Income Replacement Benefits Act. History: (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. History: (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…

Family Leave Benefits. 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…

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. History: (Act 2023-112, §1.)

Except as provided in subsection (b) of Section 27-19-3, no such policy delivered, or issued for delivery, to any person in this state shall contain provisions respecting the matters set forth in Sections 27-19-17 through 27-19-26 unless such provisions are in the words in which …

(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…

There may be a provision as follows: “Change of Occupation: If the insured be injured or contract sickness after having changed his occupation to one classified by the insurer as more hazardous than that stated in this policy or while doing for compensation anything pertaining to…

There may be a provision as follows: “Misstatement of Age: If the age of the insured has been misstated, all amounts payable under this policy shall be such as the premium paid would have purchased at the correct age.” History: (Acts 1953, No. 193, p. 247, §3; Acts 1957, No. 597,…

(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…

There may be a provision as follows: “Other Insurance in This Insurer: If an accident or sickness or accident and sickness policy, or policies, previously issued by the insurer to the insured be in force concurrently herewith, making the aggregate indemnity for _____ (insert type…

No policy of disability insurance shall be delivered, or issued for delivery, to any person in this state unless it otherwise complies with this title and complies with the following: (1) The entire money and other considerations therefor shall be expressed therein; (2) The time …

Incurred Benefits. (a) There may be a provision as follows: “Insurance with Other Insurers: If there be other valid coverage, not with this insurer, providing benefits for the same loss on a provision of service basis or on an expense-incurred basis and of which this insurer has …

Benefits. (a) There may be a provision as follows: “Insurance with Other Insurers: If there be other valid coverage, not with this insurer, providing benefits for the same loss on other than an expense-incurred basis and of which this insurer has not been given written notice pri…

(a) There may be a provision as follows: “Relation of Earnings to Insurance: If the total monthly amount of loss of time benefits promised for the same loss under all valid loss of time coverage upon the insured, whether payable on a weekly or monthly basis, shall exceed the mont…

There may be a provision as follows: “Unpaid Premiums: Upon the payment of a claim under this policy, any premium then due and unpaid or covered by any note or written order may be deducted therefrom.” History: (Acts 1953, No. 193, p. 247, §3; Acts 1957, No. 597, p. 834; Acts 197…

There may be a provision as follows: “Conformity with State Statutes: Any provision of this policy which, on its effective date, is in conflict with the statutes of the state in which the insured resides on such date is hereby amended to conform to the minimum requirements of suc…

There may be a provision as follows: “Illegal Occupation: The insurer shall not be liable for any loss to which a contributing cause was the insured’s commission of, or attempt to commit, a felony or to which a contributing cause was the insured’s being engaged in an illegal occu…

There may be a provision as follows: “Intoxicants and Narcotics: The insurer shall not be liable for any loss sustained or contracted in consequence of the insured’s being intoxicated or under the influence of any narcotic unless administered on the advice of a physician.” Histor…

The provisions which are the subject of Sections 27-19-4 through 27-19-26, or any corresponding provisions which are used in lieu thereof in accordance with such sections, shall be printed in the consecutive order of the provisions in such sections or, at the option of the insure…

Supported Institutions. (a) No policy of health, sickness, or accident insurance delivered, or issued for delivery, in this state, including both individual and group policies, which provide coverage for psychiatric treatment or mental illness shall exclude hospitalization benefi…

The word “insured,” as used in this article, shall not be construed as preventing a person other than the insured with a proper insurable interest from making application for and owning a policy covering the insured or from being entitled under such a policy to any indemnities, b…

(a) Except as provided in subsection (b) of this section, each such policy delivered, or issued for delivery, to any person in this state shall contain the provisions specified in Sections 27-19-4 through 27-19-15, in the words in which the same appear; except, that the insurer m…

(a) Any policy of a foreign or alien insurer, when delivered or issued for delivery to any person in this state, may contain any provision which is not less favorable to the insured or the beneficiary than the provisions of this article and which is prescribed or required by the …

(a) Every individual policy of insurance providing hospital, medical, or surgical benefits in which an insurer reserves the right to refuse renewal on an individual basis shall provide, in substance, in a provision thereof, or in an endorsement thereon or in a rider attached ther…

Every individual disability insurance policy, except single premium nonrenewable policies or contracts, issued for delivery in the State of Alabama shall have printed thereon, or attached thereto, a notice stating in substance that the person to whom the policy is issued shall be…

Any insurer writing disability insurance policies may, with approval of the commissioner, add endorsements or riders to existing policies of such insurance, with or without increase in premium, provided there is shown separately on the endorsement or rider a stated premium charge…