Mississippi Administrative Code

A. The intent of this Regulation is to prohibit the use of a supervising general agent's license as a means to provide additional excessive commissions to a writing agent or creditor. B. A bona fide supervising general agent shall be defined as an applicant applying for a license…

This Regulation shall become effective thirty (30) days after promulgation and filing with the Secretary of State. Notes 19 Miss. Code. R. 3-6.05 Miss Code Ann § 25-43-3.113 (Rev. 2010)

This Regulation shall be enforced in accordance with procedures established by Senate Bill 2482, Section 16 through Section 23. PROMULGATED AND ADOPTED THIS THE 22nd DAY OF July, 1986 Notes 19 Miss. Code. R. 3-6.06 Miss Code Ann § 83-53-29 (Rev. 2011)

Under the provisions of Title 83, Chapter 9, Mississippi Code of 1972, Annotated, it is hereby ordered and directed that on or after the effective date of this regulation, any insurer or nonprofit health service plan providing health and accident insurance or service contracts ma…

The purpose of the regulation is to promote the public interest, to promote the availability of long-term care insurance coverage, to protect applicants for long-term care insurance, as defined, from unfair or deceptive sales or enrollment practices, to facilitate public understa…

This regulation is issued pursuant to the authority vested in the Commissioner under Miss. Code Ann. Section 83-5-1 and Sections 83-5-29 through 83-5-51(1972), as Amended, and other applicable provisions of the Mississippi Insurance Laws and is being adopted in accordance with th…

Except as otherwise specifically provided, this regulation applies to all long-term care insurance policies delivered or issued for delivery in this state on or after the effective date hereof, by insurers; fraternal benefit societies; nonprofit health, hospital and medical servi…

For the purpose of this regulation, the following terms shall have the following meanings: A. "Long-term care insurance" means any insurance policy or rider advertised, marketed, offered or designed to provide coverage for not less than twelve (12) consecutive months for each cov…

No long-term insurance policy delivered or issued for delivery in this state shall use the terms set forth below, unless the terms are defined in the policy and the definitions satisfy the following requirements: A. "Acute condition" means that the individual is medically unstabl…

A. No long-term care insurance policy may: 1. Be cancelled, non-renewed or otherwise terminated on the grounds of the age or the deterioration of the mental or physical health of the insured individual or certificate holder; or 2. Contain a provision establishing a new waiting pe…

A. Renewability. The terms "guaranteed renewable" and "noncancellable" shall not be used in any individual long-term care insurance policy without further explanatory language in accordance with the disclosure requirements of Section 8 of this Regulation. 1. No such policy issued…

A. Renewability. Individual long-term care insurance policies shall contain a renewability provision. Such provision shall be appropriately captioned, shall appear on the first page of the policy, and shall clearly state the duration, where limited, of renewability and the durati…

A. All applications for long-term care insurance policies or certificates except those which are guaranteed issue shall contain clear and unambiguous questions designed to ascertain the health condition of the applicant. B. 1. If an application for long-term care insurance contai…

A. A long-term care insurance policy or certificate may not, if it provides benefits for home health care services, limit or exclude benefits: 1. By requiring that the insured/claimant would need skilled care in a skilled nursing facility if home health care services not provided…

A. No insurer may offer a long-term care insurance policy unless the insurer also offers to the policyholder the option to purchase a policy that provides for benefit levels to increase with benefit maximums or reasonable durations which are meaningful to account for reasonably a…

A. Question Concerning Replacement. Individual and direct response solicited long-term care insurance application forms shall include a question designed to elicit information as to whether the proposed insurance policy is intended to replace any other accident and sickness or lo…

The Commissioner may upon written request and after an administrative hearing, issue an order to modify or suspend a specific provision or provisions of this regulation with respect to a specific long-term care insurance policy or certificate upon a written finding that: A. The m…

A. When long-term care benefits are provided through the acceleration of benefits under group or individual life policies or riders to such policies, policy reserves for such benefits shall be determined in accordance with Miss Code Ann. Section 83-7-23(1972), as Amended. Claim r…

Benefits under individual long-term care insurance policies shall be deemed reasonable in relation to premiums provided the expected loss ratio is at least sixty percent, calculated in a manner which provides for adequate reserving of the long-term care insurance risk. In evaluat…

Prior to an insurer or similar organization offering group long-term care insurance to a resident of this state, it shall file with the Commissioner evidence that the group policy or certificate thereunder has been approved by a state having statutory or regulatory long-term care…

This section of the Regulation implements, interprets and makes specific, the provisions of Section 6E of this Regulation, in prescribing a standard format and the content of an outline of coverage. A. The outline of coverage shall be a free-standing document, using no smaller th…

A. A long-term care insurance shopper's guide in the format developed by the National Association of Insurance Commissioners, or a guide developed or approved by the Commissioner, shall be provided to all prospective applicants of a long-term care insurance policy or certificate.…

This regulation shall become effective thirty (30) days after its adoption and filing with the Mississippi Secretary of State's Office, as required by law. Notes 19 Miss. Code. R. 3-8.19 Miss code Ann § 25-43-3.113 (Rev. 2010)

This Regulation is promulgated by the Commissioner of Insurance pursuant to the authority granted to him by Miss. Code Ann. § 83-5-1 and 83-9-211(1972), in order to implement the provisions of the Comprehensive Health Insurance Risk Pool Association Act and is promulgated in acco…

The purpose of this Regulation is to implement the intent of the Mississippi Legislature with respect to making the existence of the insurance plan offered by the Comprehensive Health Insurance Risk Pool Association known to those citizens of the State of Mississippi who, because…

A. "Health insurance" shall have the same meaning as defined inMiss. Code Ann.§ 83-9-205(1972). B. "Insurer" shall have the same meaning as defined in Miss. Code Ann.§ 83- 9-205(1972). Notes 19 Miss. Code. R. 3-9.03 Miss Code Ann § 83-9-205 (Rev. 2011)

Any insurer that rejects a person's application for health insurance coverage substantially similar to the coverage offered by the Comprehensive Health Insurance Risk Pool Association because of health conditions of such person shall give such person written notice that he or she…

If any provision of any section of this Regulation or the application thereof to any circumstance or person or entity is held invalid, such invalidity shall not affect any other provision of that section or application of the Regulation which can be given effect without the inval…

This Regulation shall become effective immediately upon filing with the Office of the Secretary of State. Notes 19 Miss. Code. R. 3-9.06 Miss Code Ann § 25-43-3.113 (Rev. 2010)

Appendix A- Comprehensive Health Insurance Risk Pool Association Notice Form Notes 19 Miss. Code. R. 3-9.07

TO: ALL COMPANIES WRITING AUTOMOBILE CLUB SERVICE CONTRACTS PURSUANT TO THE PROVISIONS OF SECTIONS 83-11-201 THROUGH 83-11-247 OF THE MISSISSIPPI CODE OF 1972, ANNOTATED. WHEREAS, it has come to the attention of the Department of Insurance and the Commissioner of Insurance that c…

This Regulation is promulgated by the Commissioner of Insurance pursuant to the authority granted to him by Miss. Code Ann. § 83-5-1 and Miss. Code Ann. § 83-11-102 as enacted in the 2002 Regular Session of the Mississippi Legislature, and amended by House Bill 545, 2013 Regular …

The purpose of this Regulation is to provide a form for insurers to use in the course of the sale or issuance of multi-vehicle, non stacking uninsured motorist insurance coverage which informs the named insured or applicant of the limitation on stacking imposed and that such cove…

Insurers may offer multi-vehicle, non-stacking uninsured motorist insurance coverage to an insured in an automobile liability policy that covers four (4) or more vehicles. Insurers must offer uninsured motorist insurance that would cover bodily injury and property damage with lim…

A disclosure document containing the disclosures required in Miss. Code Ann. § 83-11-102 and this regulation shall be provided in the course of the sale or issuance of non-stacking uninsured motorist coverage. Said disclosure document shall be in the form of the disclosure listed…

If any provision of any section of this Regulation or the application thereof is held by a court to be invalid, such invalidity shall not affect any other provision of that section or application of the Regulation which can be given effect without the invalid provision or applica…

The Effective Date of this Regulation shall be July 1, 2013. Notes 19 Miss. Code. R. 4-2.06 House Bill 545, 2013 Regular Session; Miss. Code Ann. § 25-43-3.113 (Rev. 2010)

THIS FORM TO BE USED WHEN INSURED SELECTS NON-STACKING UM COVERAGE MISSISSIPPI NON-STACKING UNINSURED MOTORIST INSURANCE Miss. Code Ann. § 83-11-102 provides for an optional Non-stacking Uninsured Motorist Coverage available to an insured under an auto liability policy that cover…

The purposes of the Plan are to make automobile bodily injury, property damage, and medical payment liability insurance available to vehicles registered with the Mississippi Division of Motor Vehicles, subject to the conditions hereinafter stated and in the Mississippi Plan of Op…

The Plan became effective in February of 1949 when all companies licensed to write direct automobile bodily injury liability insurance in the state have subscribed thereto. The requirements in this Regulation shall become effective upon adoption. No company which is licensed to w…

A. Except as may be otherwise provided, the Plan shall be available to residents and nonresidents of the state only with respect to automobiles that are registered in the state, except that non-residents who are members of the United States military forces shall be eligible with …

The Plan shall be administered by a Governing Committee and a Manager. The Governing Committee (hereinafter referred to as "the Committee") must be approved by the Commissioner of Insurance and shall consist of nine voting members, who are Plan Subscriber Companies, two non-votin…

The Committee shall meet as often as may be required to perform the general duties of administration of the Plan. A majority of the filled voting members' seats of the Committee shall constitute a quorum. The Committee shall be empowered to appoint a Manager, budget expenses, lev…

A. The Plan shall establish a procedure to perform all such policy holder and claim handling services as may be necessary to administer the PAIP. B. The Plan shall distribute CAIP applications to the CAIP servicing carriers for servicing of eligible risks. C. Company groups under…

Each company subscribing to the Plan shall pay a minimum annual fee and assessments as provided in the Plan of Operation, each for liability and for physical damage insurance. Notes 19 Miss. Code. R. 4-3.07 Miss. Code Ann. § 63-15-65 (Rev. 2004). Amended 4/9/2018 Amended 5/13/202…

A. To be eligible for bodily injury, property damage, medical payments, and physical damage coverage's, the applicant must meet the following criteria:1. As a prerequisite to consideration for coverage through the Plan, an applicant must certify, in the prescribed application for…

A. The Plan or CAIP servicing carrier shall be required to write a policy or binder at a minimum for the limits in the Financial Responsibility law of the State. B. Notwithstanding paragraph A, upon request of any applicant, the Plan or CAIP servicing carrier shall provide limits…