Code of Alabama - Title 27: Insurance - Chapter 19 - Disability Insurance Policies

• Article 1 General Provisions.
• Section 27-19-1 Applicability of article
  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;...
• Section 27-19-2 Scope and format of policy
  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...
• Section 27-19-3 Mandatory policy provisions - Generally
  (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...
• Section 27-19-4 Mandatory policy provisions - Entire contract; changes
  There shall be a provision as follows: "Entire Contract; Changes: This policy, including the endorsements and the attached papers, if any, constitutes the entire contract...
• Section 27-19-5 Mandatory policy provisions - Time limit on certain defenses
  There shall be a provision as follows: "Time Limit on Certain Defenses: (1) After two years from the date of issue of this policy, no...
• Section 27-19-6 Mandatory policy provisions - Grace period
  There shall be a provision as follows: "Grace Period: A grace period of _____ (insert a number not less than '7' for weekly premium policies,...
• Section 27-19-7 Mandatory policy provisions - Reinstatement
  There shall be a provision as follows: "Reinstatement: If any renewal premium be not paid within the time granted the insured for payment, a subsequent...
• Section 27-19-8 Mandatory policy provisions - Notice of claim; notice of disability continuance
  There shall be a provision as follows: "Notice of Claim: Written notice of claim must be given to the insurer within 20 days after the...
• Section 27-19-9 Mandatory policy provisions - Claim forms
  There shall be a provision as follows: "Claim Forms: The insurer, upon receipt of a notice of claim, will furnish to the claimant such forms...
• Section 27-19-10 Mandatory policy provisions - Proofs of loss
  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...
• Section 27-19-11 Mandatory policy provisions - Time of payment of claims
  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...
• Section 27-19-12 Mandatory policy provisions - Payment of claims
  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...
• Section 27-19-13 Mandatory policy provisions - Physical examination and autopsy
  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...
• Section 27-19-14 Mandatory policy provisions - Legal actions
  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...
• Section 27-19-15 Mandatory policy provisions - Change of beneficiary
  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...
• Section 27-19-16 Optional policy provisions - Generally
  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...
• Section 27-19-17 Optional policy provisions - Change of occupation
  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...
• Section 27-19-18 Optional policy provisions - Misstatement of age
  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...
• Section 27-19-19 Optional policy provisions - Other insurance in this insurer
  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...
• Section 27-19-20 Optional policy provisions - Insurance with other insurers - Expense-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...
• Section 27-19-21 Optional policy provisions - Insurance with other insurers - Other 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...
• Section 27-19-22 Optional policy provisions - Relation of earnings to insurance
  (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...
• Section 27-19-23 Optional policy provisions - Unpaid premiums
  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...
• Section 27-19-24 Optional policy provisions - Conformity with state statutes
  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...
• Section 27-19-25 Optional policy provisions - Illegal occupation
  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...
• Section 27-19-26 Optional policy provisions - Intoxicants and narcotics
  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...
• Section 27-19-27 Order of provisions in policy
  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...
• Section 27-19-28 Exclusion of hospitalization benefits for mental patients in tax-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...
• Section 27-19-29 Ownership in person other than insured
  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...
• Section 27-19-30 Provisions of other jurisdictions
  (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...
• Section 27-19-31 Renewability
  (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...
• Section 27-19-32 Examination and return of policy
  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...
• Section 27-19-33 Addition of endorsements or riders to existing policies
  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...
• Section 27-19-34 Compliance with article by rider or endorsement
  The requirements of this article may be complied with by the insurer by attaching to the policy such rider or endorsement as may be necessary...
• Section 27-19-35 Construction of policy provisions
  (a) No policy provision which is not subject to this article shall make a policy, or any portion thereof, less favorable in any respect to...
• Section 27-19-36 Age limit or date for termination of coverage
  If any such policy contains a provision establishing, as an age limit or otherwise, a date after which the coverage provided by the policy will...
• Section 27-19-37 Disability insurance on franchise plan
  Disability insurance on a franchise plan is hereby declared to be that form of disability insurance issued to: (1) Three or more employees of any...
• Section 27-19-38 Coverage of newly born children in health insurance policies
  (a) All individual and group health insurance policies providing coverage on an expense-incurred basis and individual and group service or indemnity type contracts issued by...
• Section 27-19-39 Policies, etc., providing for reimbursement for visual service
  Whenever any policy of insurance or any medical service plan or hospital service contract or hospital and medical service contract provides for reimbursement for any...
• Article 2 Medicare Supplement Policy Minimum Standards.
• Section 27-19-50 Short title
  This article shall be known and may be cited as the "Alabama Medicare Supplement Minimum Standards Act."
• Section 27-19-51 Purpose of article
  The purpose of this article is to establish certain definitions, policy provisions, anticipated loss ratio standards, and disclosure requirements applicable to group and individual Medicare...
• Section 27-19-52 Definitions
  For purposes of this article, the following terms shall have the meaning indicated herein: (1) APPLICANT. Includes either of the following: a. In the case...
• Section 27-19-52.1 Applicability of article
  (a) Except as otherwise specifically provided, this article shall apply to both of the following: (1) All Medicare supplement policies delivered or issued for delivery...
• Section 27-19-53 Standards for policy provisions; limitations of benefits
  (a) The commissioner shall issue reasonable regulations to establish specific standards for policy provisions of Medicare supplement policies and certificates. The standards shall be in...
• Section 27-19-54 Minimum standards for benefits, compensation arrangement, etc.; conformity with federal provisions
  (a) The commissioner shall issue reasonable regulations to establish minimum standards for benefits, claims payment, marketing practices, compensation arrangements, and reporting practices, for Medicare supplement...
• Section 27-19-55 Standards for loss ratios
  Medicare supplement policies shall return to policyholders benefits which are reasonable in relation to the premium charged. The commissioner shall issue reasonable regulations to establish...
• Section 27-19-56 Outline of coverage; disclosure of information
  (a) In order to provide for full and fair disclosure in the sale of Medicare supplement policies, no Medicare supplement policy shall be delivered or...
• Section 27-19-57 Right of return and refund
  Medicare supplement policies or certificates shall have a notice prominently printed on the first page of the policy or certificate or attached thereto stating in...
• Section 27-19-57.1 Review of advertisements
  Every issuer of Medicare supplement insurance policies or certificates in this state shall provide a copy of any Medicare supplement advertisement intended for use in...
• Section 27-19-57.2 Additional penalties for violation of article
  In addition to any other applicable penalties for violations of the insurance code, the commissioner may require issuers violating this article or regulations promulgated pursuant...
• Section 27-19-58 Applicability of provisions of title to regulations promulgated pursuant to article
  Regulations promulgated pursuant to this article shall be subject to the provisions of Chapter 2 of this title.
• Section 27-19-59 Fines
  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...
• Article 3 Long-Term Care Insurance Policy Minimum Standards.
• Section 27-19-100 Purpose of article
  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...
• Section 27-19-101 Applicability of article
  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...
• Section 27-19-102 Short title
  This article may be known and cited as the "Alabama Long-Term Care Insurance Policy Minimum Standards Act."
• Section 27-19-103 Definitions
  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...
• Section 27-19-104 Coverage under policy issued in other state
  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...
• Section 27-19-105 Regulations for long-term care policies; outline of coverage, policy 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...
• Section 27-19-106 Effect of misrepresentation; field issuance
  (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...
• Section 27-19-107 Nonforfeiture benefits
  (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...
• Section 27-19-108 Promulgation of rules and regulations
  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...
• Section 27-19-109 Penalties
  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...
• Section 27-19-110 Relation to Chapter 2
  Regulations promulgated pursuant to this article shall be subject to Chapter 2.

Last modified: May 3, 2021