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New Jersey Statutes - Title 17B Insurance

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• New Jersey Statutes 17B:17-1 Scope of act
  This Subtitle 3 of Title 17B shall be known as the "Life and Health Insurance Code," sometimes referred to herein as this "Code," and shall ...
• New Jersey Statutes 17B:17-2 Insurer defined
  "Insurer" includes every person engaged as indemnitor or contractor in the business of life insurance, health insurance or of annuity. L.1971, c. 144, s. 17B:17-2. ...
• New Jersey Statutes 17B:17-3 Life insurance defined
  "Life insurance" is a policy or contract whereby an insurer is obligated to pay or allow a benefit of pecuniary value with respect to the ...
• New Jersey Statutes 17B:17-4 Health insurance defined
  "Health insurance" is a contract or agreement whereby an insurer is obligated to pay or allow a benefit of pecuniary value with respect to the ...
• New Jersey Statutes 17B:17-5 Annuity defined
  "Annuity" is a contract not coming within the definition of life insurance as set forth in section 17B:17-3, or health insurance as set forth in ...
• New Jersey Statutes 17B:17-5.1 Definitions; funeral insurance policies
  24. a. As used in this section: "At need funeral arrangements" means funeral arrangements made with the survivors or personal representative of a person who ...
• New Jersey Statutes 17B:17-6 Person defined
  "Person" includes any individual, insurer, company, association, organization, society, partnership, syndicate, trust, business trust, corporation and every legal entity. L.1971, c. 144, s. 17B:17-6. ...
• New Jersey Statutes 17B:17-7 Domestic insurer, foreign insurer, alien insurer defined
  a. A "domestic" insurer is one formed under the laws of this State. b. A "foreign" insurer is one formed under the laws of a ...
• New Jersey Statutes 17B:17-8 State defined
  When used in context signifying a jurisdiction other than the State of New Jersey, "State" means any State, district, territory, commonwealth, or possession of the ...
• New Jersey Statutes 17B:17-9 Domicile defined
  The "domicile" of an insurer means: a. As to Canadian insurers, the province in which the insurer's head office is located. b. As to other ...
• New Jersey Statutes 17B:17-10 Principal office defined
  "Principal office" means: a. As to Canadian insurers, the office in Canada from which the general affairs of the insurer are directed or managed. b. ...
• New Jersey Statutes 17B:17-11 Authorized insurer, unauthorized insurer defined
  a. An "authorized insurer" is one duly authorized by a current certificate of authority issued by the commissioner pursuant to this code to act as ...
• New Jersey Statutes 17B:17-12 Certificate of authority; license defined
  a. A "certificate of authority is a certificate issued by the commissioner evidencing the authority of an insurer to transact insurance in this ...
• New Jersey Statutes 17B:17-12.1 Change of domicile for insurers
  2. a. An insurer that is formed under the laws of another state and is admitted to transact the business of insurance in this State ...
• New Jersey Statutes 17B:17-13 Misdemeanor to do business unless authorized
  a. No person shall act as an insurer in this State without complying with the applicable provisions of this Code. b. No person by himself, ...
• New Jersey Statutes 17B:17-13.1 Charitable annuities.
  17B:17-13.1. a. The commissioner may, in his discretion, issue a special permit to a qualified nonprofit domestic or foreign corporation or association organized ...
• New Jersey Statutes 17B:17-14 General penalty
  Each violation of this Code as to which a penalty is not provided by another provision of this Code or by other applicable laws of ...
• New Jersey Statutes 17B:17-15 Conflict with other laws
  All laws and parts of laws of this State inconsistent with this Code are hereby superseded with respect to matters covered by this Code. L.1971, ...
• New Jersey Statutes 17B:17-16 Separability of provisions
  If any provision of this Code or the application thereof to any person or circumstance is held invalid, the invalidity shall not affect other provisions ...
• New Jersey Statutes 17B:17-17 Short title
  This act shall be known and may be cited as the "Life and Health Insurance Policy Language Simplification Act." L.1979, c. 167, s. 1, eff. ...
• New Jersey Statutes 17B:17-18 Purpose
  The purpose of this act is to establish minimum standards for language used in policies, contracts and certificates of life insurance, health insurance, annuity, credit ...
• New Jersey Statutes 17B:17-19 Definitions
  As used in this act: a. "Policy" or "policy form" means any policy, contract, certificate, or agreement of life or health insurance, including credit life ...
• New Jersey Statutes 17B:17-20 Application of act; exclusions
  a. This act shall apply to all policies delivered or issued for delivery in this State by any company on or after the dates such ...
• New Jersey Statutes 17B:17-21 Policy forms
  a. In addition to any other requirements of law, no policy forms, except as stated in section 4, shall be delivered or issued for delivery ...
• New Jersey Statutes 17B:17-22 Issuance of policy forms after filing; construction with other laws
  Nothing in this act shall be construed to negate any law of this State permitting the issuance of any policy form after it has been ...
• New Jersey Statutes 17B:17-23 Flesch reading ease score; authorization of lower score
  The commissioner may authorize a lower score than the Flesch reading ease score required in section 5a. (1) whenever, in his sole discretion, he finds ...
• New Jersey Statutes 17B:17-24 Content of policy forms; construction with other laws
  A policy form meeting the requirements of section 5a. shall be filed or approved notwithstanding the provisions of any other law which specifies the content ...
• New Jersey Statutes 17B:17-25 Date of application
  a. Except as provided in section 4, this act applies to all policy forms filed on or after 2 years after the effective date of ...
• New Jersey Statutes 17B:18-1 Scope of chapter
  This chapter shall be applicable only to domestic stock and domestic mutual insurers, authorized to do one or more of the kinds of business defined ...
• New Jersey Statutes 17B:18-2 Stock insurer defined
  A domestic stock insurer is an insurer incorporated in accordance with the laws of this State with its capital divided into shares and owned by ...
• New Jersey Statutes 17B:18-3 Mutual insurer defined
  A domestic mutual insurer is an insurer incorporated in accordance with the laws of this State without permanent capital stock, the governing body of which, ...
• New Jersey Statutes 17B:18-4 Organization of stock or mutual insurer
  a. Ten or more persons may form a domestic stock or domestic mutual insurer to engage in the business of writing any or all of ...
• New Jersey Statutes 17B:18-5 Approval of certificate by commissioner; recording and filing
  The certificate of incorporation shall be proved or acknowledged as required for deeds of real estate and be submitted to, and examined by, the commissioner, ...
• New Jersey Statutes 17B:18-6 Stipulations in stock subscriptions and applications
  Every subscription to the capital stock of a stock insurer shall contain the stipulation that no sum shall be used for commission, promotion or organization ...
• New Jersey Statutes 17B:18-7 Certificate of incorporation of mutual insurer; election of directors
  a. The certificate of incorporation of any mutual insurer of this State hereafter incorporated may contain provisions for the elections of directors in the manner ...
• New Jersey Statutes 17B:18-8 Loan to mutual insurer for organizational expenses
  A mutual insurer organized under this Code may borrow or assume a liability for the repayment of a sum of money sufficient to defray the ...
• New Jersey Statutes 17B:18-10 Election of directors of mutual insurer pursuant to provision in certificate of incorporation
  If the certificate of incorporation or charter of a mutual insurer, or any amendment thereto contains provisions for the election of directors in the manner ...
• New Jersey Statutes 17B:18-11 Nomination of candidates for director
  At least seven months before the day fixed for any election of directors, the board of directors shall by a vote of a majority of ...
• New Jersey Statutes 17B:18-12 Death, withdrawal or incapacity of candidates for director
  In case of the death, withdrawal or incapacity of any candidate nominated by the board of directors prior to election, the board of directors shall ...
• New Jersey Statutes 17B:18-13 Qualified voters; "policyholder" defined
  The qualified voters of the insurer shall consist of every policyholder who is 18 years of age or more and whose policy has been in ...
• New Jersey Statutes 17B:18-14 Elections of directors of mutual insurers; procedure, ballots
  Each qualified voter of the insurer at such election shall be entitled to cast one vote in person or by proxy. The president, or, in ...
• New Jersey Statutes 17B:18-15 Nominations by others than board of directors; notice of election
  In case any nomination shall have been made by others than by the board of directors, the insurer shall cause notice of the time and ...
• New Jersey Statutes 17B:18-16 Canvass of votes; tie vote
  All ballots voted shall be received by the tellers subject to verification and ascertainment of the validity thereof and of the qualification of the voters, ...
• New Jersey Statutes 17B:18-17 Report of result of election
  At the conclusion of the canvass the tellers shall report in writing to the secretary of the corporation the result thereof and he shall thereupon ...
• New Jersey Statutes 17B:18-18 Choosing of directors for mutual life insurers having in excess of ten million policies in force
  The directors of any mutual insurer of this State heretofore or hereafter incorporated pursuant to the provisions of the laws of this State which now ...
• New Jersey Statutes 17B:18-19 Number of directors; appointment of public directors; ex officio directors
  Subject to the provisions of section 17B:18-21 as to the number of elected directors, the number of the directors of any such mutual insurer to ...
• New Jersey Statutes 17B:18-20 Public directors; carry-overs; appointments; terms; vacancies; powers
  Each director of any such mutual insurer heretofore appointed as a public director in accordance with P.L.1953, chapter 156 and holding office as such on ...
• New Jersey Statutes 17B:18-21 Elected directors; carry-overs; terms; vacancies
  Each director of any mutual insurer, other than its president and other than the chairman of the board if he is the chief executive officer ...
• New Jersey Statutes 17B:18-22 Elected directors; manner of electing
  The elected directors shall be elected in the manner provided in sections 17B:18-23 to 17B:18-27, inclusive, by the qualified voters of the corporation at the ...
• New Jersey Statutes 17B:18-23 Qualified voters; "policyholder" for purpose of election defined
  The qualified voters of the insurer shall consist of every policyholder who is 18 years of age or more and whose policy has been in ...
• New Jersey Statutes 17B:18-24 Nomination of candidates; demand by public directors
  The board of directors shall by a vote of a majority of its entire number nominate a candidate for each office of elected director to ...
• New Jersey Statutes 17B:18-25 Method of electing when no demand is made by public directors
  If the public directors shall file no demand that other candidates be nominated, the election shall be according to the method prescribed in this section ...
• New Jersey Statutes 17B:18-26 Method of election when demand is made by public directors that other candidates be nominated
  If the public directors shall file a demand pursuant to section 17B:18-24 that other candidates be nominated, the election shall be according to the method ...
• New Jersey Statutes 17B:18-27 Mailing of ballot; effect
  The mailing of a ballot to any person shall not be construed as an admission of the validity of any policy or that such person ...
• New Jersey Statutes 17B:18-28 Filing certificate on number of policies; copy delivered to Chief Justice
  If any annual statement of any domestic mutual insurer heretofore or hereafter filed with the commissioner sets forth a number of life insurance policies of ...
• New Jersey Statutes 17B:18-29 Election of directors in mutual insurer issuing temporary stock
  A bare majority of the entire board of directors of a domestic mutual insurer which issues temporary capital stock, as provided in section 17B:18-9, shall ...
• New Jersey Statutes 17B:18-30 Proxy voting permitted at elections
  At any election of directors, managers or other officers of a domestic insurer, except any election of directors held pursuant to N.J.S. 17B:18-18 to 17B:18-28, ...
• New Jersey Statutes 17B:18-31 Emergency by-laws
  The board of directors of any domestic insurer may at any time adopt emergency by-laws, subject to repeal or change by action of those having ...
• New Jersey Statutes 17B:18-32 Failure to adopt emergency by-laws; procedure
  In the event that the board of directors of a domestic insurer has not adopted emergency by-laws, the following provisions shall become effective upon the ...
• New Jersey Statutes 17B:18-33 National emergency; succession
  At any time the board of directors of a domestic insurer may, by resolution, provide that in the event of such a national emergency and ...
• New Jersey Statutes 17B:18-34 National emergency; relocation of principal place of business
  At any time the board of directors of a domestic insurer may, by resolution, provide that in the event of such a national emergency the ...
• New Jersey Statutes 17B:18-37 Definitions; deposit prerequisite to authorization
  17B:18-37. a. As used in this section and in N.J.S.17B:18-38 and N.J.S.17B:18-39: (1) "Bank" means a State or federally chartered bank, savings bank, or savings ...
• New Jersey Statutes 17B:18-38 Deposits; interest on; substitution of
  17B:18-38. The commissioner shall hold the securities deposited pursuant to N.J.S.17B:18-37 for the benefit and security of all the policyholders of the insurer depositing them, ...
• New Jersey Statutes 17B:18-39 Deposits to do business in other jurisdictions
  17B:18-39. The custodian, on behalf of the commissioner, may receive from any domestic insurer a deposit of securities necessary to enable it to transact business ...
• New Jersey Statutes 17B:18-39.1 Fees for services of custodian required pursuant to N.J.S.17B:18-37 et seq.
  The Commissioner of Insurance shall establish, by regulation, the fees to be charged insurance companies for the services of the custodian pursuant to the requirements ...
• New Jersey Statutes 17B:18-41 Examination before commencing business
  Before issuing a certificate of authority to a domestic insurer, the commissioner shall be satisfied, by such examination and evidence as he sees fit to ...
• New Jersey Statutes 17B:18-42 Certificate of authority; when issuable.
  17B:18-42. When satisfied that a domestic insurer has complied with all the requirements of this code to entitle it to engage in business ...
• New Jersey Statutes 17B:18-43 Domestic insurers, powers, duties--general corporation law
  a. Any domestic insurer and its stockholders, members and directors, shall have all the powers granted and be subject to all the duties and obligations ...
• New Jersey Statutes 17B:18-44 Stock of other insurance company
  A domestic insurer which purchases stock of another insurance company in compliance with section 17B:20-4 may pay therefor in cash or its equivalent or in ...
• New Jersey Statutes 17B:18-45 Authority to acquire, hold and convey real estate
  Any domestic insurer, in addition to the authority contained in sections 17B:20-1 to 17B:20-5, inclusive, may acquire, hold and convey any real estate as may ...
• New Jersey Statutes 17B:18-46 Limitation on dividends to stockholders
  No profits on participating policies and contracts heretofore or hereafter issued by a domestic stock insurer in excess of the larger of a. 10% of ...
• New Jersey Statutes 17B:18-47 Increase or decrease of capital stock
  Any domestic stock insurer may increase its capital stock or decrease it to an amount not less than the minimum required by this code by ...
• New Jersey Statutes 17B:18-48 Advertisement of assets to include liabilities
  When an insurer doing business in this State advertises its assets, it shall, in the same connection and equally conspicuously, advertise its liabilities, the same ...
• New Jersey Statutes 17B:18-49 Cash disbursements to be evidenced by voucher
  No domestic insurer shall make any cash disbursement of $100.00 or more unless it is evidenced by a voucher, signed by or on behalf of ...
• New Jersey Statutes 17B:18-50 Payment of taxes, charges and fees prior to determination of invalidity
  The directors of any domestic insurer are authorized to pay, and to appropriate money to pay, such taxes, charges and fees as have been or ...
• New Jersey Statutes 17B:18-51 Compensation of directors
  The director of any domestic insurer when acting as its officer, counsel, agent or representative, and also for each occasion of his attendance at meetings ...
• New Jersey Statutes 17B:18-52 Insurer payments to senior officers restricted
  No domestic insurer shall: a. Pay any salary, compensation or emolument to any of its senior officers, directors or trustees, unless the payment is first ...
• New Jersey Statutes 17B:18-53 Reporting amount of stock owned and changes therein by director, officer, and principal stockholders of domestic stock insurers
  Every person who is directly or indirectly the beneficial owner of more than 10% of any class of stock of a domestic stock insurer or ...
• New Jersey Statutes 17B:18-54 Suit for profits realized by director, officer, and principal stockholders
  For the purpose of preventing the unfair use of information which may have been obtained by such beneficial owner, director or officer by reason of ...
• New Jersey Statutes 17B:18-55 Limitation on sale of stock by director, officer and principal stockholders
  It shall be unlawful for any such beneficial owner, director or officer, directly or indirectly, to sell any stock of such insurer if the person ...
• New Jersey Statutes 17B:18-56 Stock insurers; change of name, extension of corporate existence or amendment of charter or certificate of incorporation
  a. Any stock insurer heretofore or hereafter incorporated under any general or special law of this State may change its name, extend its corporate existence ...
• New Jersey Statutes 17B:18-57 Mutual insurers; change of name, extension of corporate existence or amendment of charter or certificate of incorporation
  Mutual insurers; change of name, extension of corporate existence or amendment of charter or certificate of incorporation. a. Any mutual insurer heretofore or hereafter incorporated ...
• New Jersey Statutes 17B:18-58 Mutual insurers; adoption of amended charter or certificate of incorporation
  When any mutual insurer adopts an amendment to its charter or certificate of incorporation, as provided for in this chapter, the board of directors of ...
• New Jersey Statutes 17B:18-59 Mutualization of stock insurers
  a. A stock insurer may become a mutual insurer under such plan and procedure as may be approved by the commissioner after a hearing thereon. ...
• New Jersey Statutes 17B:18-60 Merger and consolidation of stock insurers
  a. A domestic stock insurer may merge or consolidate with one or more domestic or foreign stock insurers in the following manner and subject to ...
• New Jersey Statutes 17B:18-61 Merger and consolidation of mutual insurers
  a. A domestic mutual insurer may merge or consolidate with one or more domestic or foreign mutual insurers in the following manner and subject to ...
• New Jersey Statutes 17B:18-62 "Reinsurance" defined
  "Reinsurance" is a contract under which an originating insurer, called the "ceding insurer" , procures insurance for itself in another insurer, called the "assuming insurer," ...
• New Jersey Statutes 17B:18-63 Reinsurance of risks
  An insurer may reinsure such risks as it is authorized to insure, subject to the provisions of this Code. L.1971, c. 144, s. 17B:18-63. ...
• New Jersey Statutes 17B:18-64 Prerequisites to reinsurance
  a. No domestic insurer may become a ceding insurer with respect to all or any substantial part of its outstanding insurance risks or become an ...
• New Jersey Statutes 17B:18-65 Extended reinsurance
  In addition to the reinsurance specified in 17B:18-63, an insurer authorized to do the business specified in section 17B:17-3, 17B:17-4 and 17B:17-5 may through reinsurance ...
• New Jersey Statutes 17B:18-65.1 Rules and regulations
  The commissioner is authorized to adopt, promulgate and enforce such rules and regulations as he determines to be necessary to implement this act. L.1975, c. ...
• New Jersey Statutes 17B:18-66 Reinsurance pooling
  Any reinsurance authorized by sections 17B:18-63 or 17B:18-65 or any reinsurance of blanket accident insurance referred to in section 4 of Public Law 1939, c. ...
• New Jersey Statutes 17B:18-67 Short title
  1. Sections 2 through 6 of this act shall be known and may be cited as the "Dynamic Capital and Surplus Act of 1993." L.1993,c.235,s.1. ...
• New Jersey Statutes 17B:18-68 Surplus, capital required
  2. Except as provided by section 3 of P.L.1993, c.235 (C.17B:18-69), no domestic insurer shall commence business in this State unless the ...
• New Jersey Statutes 17B:18-69 Temporary waiver of capital, surplus requirements
  3. An insurer authorized to transact the kind of business specified in N.J.S.17B:17-3, N.J.S.17B:17-4 or N.J.S.17B:17-5 prior to and on the effective date of this ...
• New Jersey Statutes 17B:18-70 Increase in amount of required capital, surplus
  4. The commissioner may increase the amount of capital or surplus required of any insurer pursuant to section 2 of this act, or subsequently revise ...
• New Jersey Statutes 17B:18-71 Factors for determination of increase, revision, redetermination
  5. In determining any increase, revision or redetermination in the capital or surplus of an insurer pursuant to the provisions of section 4 of this ...
• New Jersey Statutes 17B:18-72 Suspension, revocation of authority to do business
  6. The commissioner may suspend or revoke the authority to do business in this State of any insurer that does not comply with the provisions ...
• New Jersey Statutes 17B:19-1 Expenses of investigation, analyses, and valuation of securities
  a. The purpose of this section is to provide a means of making funds not in excess of $250,000 in any one year available to ...
• New Jersey Statutes 17B:19-2 Annual valuation of reserve liabilities for outstanding policies; foreign and alien insurers
  The commissioner shall annually value, or cause to be valued, the reserve liabilities (hereinafter called reserves) for all outstanding life insurance policies and annuity and ...
• New Jersey Statutes 17B:19-3 Additional reserves
  Subject to the approval of the commissioner, any life insurer of this State may set up, in addition to the reserve liabilities required pursuant to ...
• New Jersey Statutes 17B:19-4 Preliminary term insurance; amount of reserve
  This section applies to life insurance policies, other than policies for which the reserve liabilities are valued on the basis of the provisions of the ...
• New Jersey Statutes 17B:19-5 Calculations of policy and loss reserves for health insurance
  17B:19-5. The commissioner shall annually make or cause to be made or shall annually require the insurer to make calculations of policy and ...
• New Jersey Statutes 17B:19-7 Abandonment of standard of valuation adopted
  Except in accordance with the provisions of section 17B:19-2, a life insurer shall not abandon the standard of valuation adopted for any outstanding policies if ...
• New Jersey Statutes 17B:19-8 Standard valuation law
  17B:19-8. This section shall be known as the standard valuation law and shall apply to all the life insurance policies, pure endowment contracts ...
• New Jersey Statutes 17B:19-10 Reserves, related actuarial items; annual opinion of qualified actuary
  2. a. Every insurer authorized to transact life, health or annuity business and every fraternal benefit society doing business in this State shall ...
• New Jersey Statutes 17B:20-1 Investments of domestic insurers.
  17B:20-1. Any domestic insurer may invest its capital, surplus and other funds, or any part thereof, in: a. Bonds, notes, ...
• New Jersey Statutes 17B:20-2 Limitation of investments.
  17B:20-2. The amount (excluding amounts invested in the common stock of any corporation pursuant to N.J.S.17B:20-3 and N.J.S.17B:20-4) invested by a domestic insurer ...
• New Jersey Statutes 17B:20-3 Incidental acquisition of corporate stock or securities, construction of chapter
  Nothing contained in this chapter shall be construed to prohibit an insurer from accepting or acquiring corporate stock or evidences of indebtedness or other securities ...
• New Jersey Statutes 17B:20-4 Stock of subsidiary or alien corporations
  17B:20-4. In addition to the authority expressly contained in this chapter and notwithstanding any limitation contained in this title, any domestic insurer may invest in ...
• New Jersey Statutes 17B:20-5 Securities of foreign country or property therein
  Any domestic insurer lawfully doing business, directly or through any subsidiary, in any foreign country other than Canada, may also invest its funds, or permit ...
• New Jersey Statutes 17B:20-6 Reasonable and temporary additional restrictions
  Notwithstanding any of the provisions of this chapter, if it shall appear to the commissioner that by reason of investment conditions generally or the financial ...
• New Jersey Statutes 17B:20-7 Securities of domestic insurers
  17B:20-7. All securities of domestic insurers shall be held for safekeeping within the geographical limits of this State, except: a. Securities deposited with public officials ...
• New Jersey Statutes 17B:20-8 Valuation of securities; violations; penalties
  17B:20-8. Except as otherwise required by the commissioner, securities held by insurers authorized to do business in this State shall be valued in accordance with ...
• New Jersey Statutes 17B:21-1 Annual statement; forms
  17B:21-1. a. Every insurer transacting business in this State shall annually, on or before March 1, file with the commissioner a statement subscribed and sworn ...
• New Jersey Statutes 17B:21-2 Penalty for not filing annual statement; penalty for other violations
  Any insurer neglecting to make and file its annual statement in the form and within the time provided by section 17B:21-1 of this Code shall ...
• New Jersey Statutes 17B:21-7 Fees
  a. On filing any certificate, executed by an insurer of this State, in the department, there shall be paid to the commissioner, for the use ...
• New Jersey Statutes 17B:23-1 Translation of business by foreign and alien insurers
  17B:23-1. Any foreign insurer which by its charter or by the laws of the state in which it was incorporated, or any alien insurer which ...
• New Jersey Statutes 17B:23-2 Prerequisites to admission
  No foreign or alien insurer shall be admitted until it: a. Files with the commissioner a certified copy of its charter or certificate of authority, ...
• New Jersey Statutes 17B:23-3 Deposit by alien insurers
  No alien insurer shall be admitted until, in addition to complying with the foregoing conditions, it has made a deposit or deposits with the insurance ...
• New Jersey Statutes 17B:23-4 Revocation of authority to do business
  The authority of a foreign or alien insurer may be revoked, after notice and hearing, pursuant to the Administrative Procedure Act (P.L.1968, c. 410) and ...
• New Jersey Statutes 17B:23-6 Purpose
  Sections 17B:23-6 through 17B:23-11 are deemed and declared to be remedial legislation for the protection of the health and welfare of persons resident in this ...
• New Jersey Statutes 17B:23-7 Definitions
  Whenever used or referred to in sections 17B:23-6 to 17B:23-11 the term "commissioner" shall mean the Commissioner of Insurance. L.1971, c. 144, s. 17B:23-7. Amended ...
• New Jersey Statutes 17B:23-8 Conditions precedent to doing business in State
  No insurer organized or existing under the law of another State, or of a foreign country, or any employee, agent or other representative thereof including, ...
• New Jersey Statutes 17B:23-9 Actions deemed doing business in the State
  Without limiting the generality of the foregoing, an insurer which performs, causes or suffers to be performed within this State any of the following acts ...
• New Jersey Statutes 17B:23-10 Enforcement
  Whenever it shall appear to the commissioner that any insurer, or any employee, agent, promotional medium, or other representative thereof, has violated, is violating, or ...
• New Jersey Statutes 17B:23-11 Excluded actions
  The provisions of this act shall not be construed to apply to: a. The investigation, settlement or litigation of claims under any policy of insurance ...
• New Jersey Statutes 17B:24-1.1 Insurable interests
  1. a. For the purpose of life insurance, health insurance or annuities: (1) An individual has an insurable interest in his own life, health and ...
• New Jersey Statutes 17B:24-2 Minors
  a. Any minor not less than 15 years of age may, notwithstanding such minority, contract for annuities or for insurance, or affirm by novation or ...
• New Jersey Statutes 17B:24-3 Application as evidence
  a. No application for any life or health insurance policy or annuity contract shall be admissible in evidence in any action relative to such policy ...
• New Jersey Statutes 17B:24-4 Assignments
  a. Nothing in this Title shall prohibit any person insured under an insurance policy or annuity contract, other than group, from assigning or not assigning, ...
• New Jersey Statutes 17B:24-5 Payment discharges insurer
  Whenever the proceeds of or payments under a life or health insurance policy or annuity contract heretofore or hereafter issued become payable in accordance with ...
• New Jersey Statutes 17B:24-6 Exemption of proceeds--life insurance
  a. If a policy of insurance, whether heretofore or hereafter issued, is affected by any person on his own life, or on another life, in ...
• New Jersey Statutes 17B:24-7 Exemption of proceeds--annuity contracts
  a. The benefits, rights, privileges, powers and options which under any annuity contract heretofore or hereafter issued are due or prospectively due the annuitant, shall ...
• New Jersey Statutes 17B:24-8 Exemption of proceeds--health insurance and disability provisions
  Except as may otherwise be expressly provided by the policy or contract, the proceeds or avails of all policies of health insurance and of provisions ...
• New Jersey Statutes 17B:24-9 Exemption of proceeds--group insurance
  a. A policy of group life insurance or group health insurance or the proceeds thereof payable to the individual insured or to the beneficiary thereunder, ...
• New Jersey Statutes 17B:24-10 Policy settlements
  Any life insurer shall have the power to hold under agreement the proceeds of any policy issued by it, upon such terms and restrictions as ...
• New Jersey Statutes 17B:24-11 Participating and nonparticipating policies--right to issue; payment of commissions thereon
  A stock or mutual life insurer may issue policies on both the participating and nonparticipating basis, provided that the right or absence of right of ...
• New Jersey Statutes 17B:24-12 Separate risks and premiums
  When a policy shall insure against more than one hazard or peril, the insurance against any specific hazard or peril shall not be separately cancelable ...
• New Jersey Statutes 17B:25-1 "Industrial life insurance" ; definition
  For the purpose of this code, "Industrial life insurance" is that form of life insurance, issued by an insurer which, as to such insurance, is ...
• New Jersey Statutes 17B:25-2 Standard provisions required
  a. No policy of life insurance, other than group insurance and pure endowments with or without return of premiums or of premiums and interest, shall ...
• New Jersey Statutes 17B:25-2.1 Cancellation of policy within 10 days after receipt
  No policy of life insurance, other than group insurance, shall be delivered or issued for delivery in this State unless such policy contains in substance ...
• New Jersey Statutes 17B:25-3 Grace period
  There shall be a provision that a grace period of 30 days, or, at the option of the insurer, of 1 month of not less ...
• New Jersey Statutes 17B:25-4 Incontestability
  There shall be a provision that the policy (exclusive of provisions of the policy or any contract supplemental thereto relating to disability benefits or to ...
• New Jersey Statutes 17B:25-5 Entire contract
  There shall be a provision that the policy, or the policy and the application therefor if a copy of such application is attached to or ...
• New Jersey Statutes 17B:25-6 Misstatement of age
  There shall be a provision that if the age of the insured or of any other person whose age is considered in determining the premium ...
• New Jersey Statutes 17B:25-7 Dividends
  a. There shall be a provision in participating policies other than industrial life insurance policies that, beginning not later than the end of the third ...
• New Jersey Statutes 17B:25-8 Policy loan
  There shall be a provision that after 3 full years' premiums have been paid and after the policy has a cash surrender value and while ...
• New Jersey Statutes 17B:25-9 Reinstatement
  There shall be a provision that unless: a. the policy has been surrendered for its cash surrender value, or b. its cash surrender value has ...
• New Jersey Statutes 17B:25-10 Payment of premiums
  There shall be a provision relative to the payment of premiums. L.1971, c. 144, s. 17B:25-10. ...
• New Jersey Statutes 17B:25-10.1 Notice mailed to holders of life insurance policy
  An insurer shall give written notice by regular mail to the holder of a life insurance policy when, to prevent lapse of the policy, a ...
• New Jersey Statutes 17B:25-11 Payment of claims
  17B:25-11. a. There shall be a provision that when benefits under the policy shall become payable by reason of the death of the ...
• New Jersey Statutes 17B:25-12 Beneficiary; industrial policies
  An industrial life insurance policy shall have the name of the beneficiary designated thereon, or in the application or other form if attached to the ...
• New Jersey Statutes 17B:25-13 Nonforfeiture benefits and cash surrender values
  There shall be a provision for nonforfeiture benefits and cash surrender values in accordance with the requirements of section 17B:25-19. L.1971, c. 144, s. 17B:25-13. ...
• New Jersey Statutes 17B:25-14 Title
  There shall be a title on the policy, briefly describing it. L.1971, c. 144, s. 17B:25-14. ...
• New Jersey Statutes 17B:25-15 Provision prohibited
  No policy of life insurance shall be delivered or issued for delivery in this State which limits the time within which any action may be ...
• New Jersey Statutes 17B:25-16 Excluded or restricted coverage
  A clause in any policy of life insurance providing that such policy shall be incontestable after a specified period shall preclude only a contest of ...
• New Jersey Statutes 17B:25-17 Incontestability; limitation of liability after reinstatement
  a. A reinstated policy of life insurance may be contested on account of fraud or misrepresentation of facts material to the reinstatement only for the ...
• New Jersey Statutes 17B:25-18 Filing of forms
  17B:25-18. a. No life insurance policy, or application, if a written application is required and is to be made a part of the policy, or ...
• New Jersey Statutes 17B:25-18.1 Life, health insurance policy, contract; compliance
  15. No life insurance policy, health insurance policy, annuity, or variable contract subject to the provisions of Title 17B of the New Jersey Statutes, or ...
• New Jersey Statutes 17B:25-18.2 Filing of policy, contract or related form
  16. a. Except as otherwise provided in P.L.1992, c.161 (C.17B:27A-2 et seq.) and P.L.1992, c.162 (C.17B:27A-17 et seq.), any life insurance policy or contract, health ...
• New Jersey Statutes 17B:25-18.3 Policies, contract forms; certification memorandums; exceptions
  17. a. Pursuant to the provisions of this section, an insurer authorized to do business in this State may file with the commissioner ...
• New Jersey Statutes 17B:25-18.5 Certain actions taken by department employees to result in termination.
  2. a. An officer or employee of the Department of Banking and Insurance shall not take or threaten any action or omission in ...
• New Jersey Statutes 17B:25-19 Standard nonforfeiture law for life insurance
  This section shall be known as the standard nonforfeiture law for life insurance. a. No policy of life insurance, except as stated in subsection l ...
• New Jersey Statutes 17B:25-20 Standard nonforfeiture law for individual deferred annuities.
  5. This section shall be known as the standard nonforfeiture law for individual deferred annuities. a. No contract of ...
• New Jersey Statutes 17B:25-20.1 Supersedure of standard nonforfeiture law, certain.
  13. Effective on the second anniversary of the effective date of the "Indexed Standard Nonforfeiture Law for Individual Deferred Annuities," P.L.2005, c.194 (C.17B:25-21 ...
• New Jersey Statutes 17B:25-21 Short title.
  1. This act shall be known and may be cited as the "Indexed Standard Nonforfeiture Law for Individual Deferred Annuities." ...
• New Jersey Statutes 17B:25-22 Inapplicability of act.
  2. This act shall not apply to any reinsurance, group annuity purchased under a retirement plan or plan of deferred compensation established ...
• New Jersey Statutes 17B:25-23 Required provisions for contract of annuity.
  3. a. No contract of annuity to which this act applies shall be delivered or issued for delivery in this State on or ...
• New Jersey Statutes 17B:25-24 Minimum values.
  4. The minimum values provided by sections 5, 6, 7, 8 and 10 of this act of any paid-up annuity, cash surrender ...
• New Jersey Statutes 17B:25-25 Paid-up annuity benefit.
  5. Any paid-up annuity benefit available under a contract shall be such that its present value on the date annuity payments are ...
• New Jersey Statutes 17B:25-26 Cash surrender benefits, determination of present value.
  6. For contracts that provide cash surrender benefits, the cash surrender benefits available prior to maturity shall not be less than the ...
• New Jersey Statutes 17B:25-27 Determination of present value.
  7. For contracts that do not provide cash surrender benefits, the present value of any paid-up annuity benefit available as a nonforfeiture ...
• New Jersey Statutes 17B:25-28 Determination of benefits.
  8. a. For the purpose of determining the benefits calculated under sections 6 and 7 of this act, in the case of annuity ...
• New Jersey Statutes 17B:25-29 Notice of benefits not provided in contract.
  9. A contract that does not provide cash surrender benefits or does not provide death benefits at least equal to the minimum ...
• New Jersey Statutes 17B:25-30 Benefits allowance for lapse of time and payments beyond schedule.
  10. Any paid-up annuity, cash surrender or death benefits available at any time, other than on the contract anniversary under any contract with ...
• New Jersey Statutes 17B:25-31 Minimum nonforfeiture benefits.
  11. For a contract which provides, within the same contract by rider or supplemental contract provision, both annuity benefits and life insurance benefits ...
• New Jersey Statutes 17B:25-32 Rules.
  12. The Commissioner of Banking and Insurance may adopt rules to implement the provisions of this act pursuant to the "Administrative Procedure Act," ...
• New Jersey Statutes 17B:25-33 Effective date, applicability.
  14. This act shall take effect immediately and shall apply as follows: a. Before the second anniversary of the effective ...
• New Jersey Statutes 17B:25-34 Findings, declarations relative to certain annuity products.
  1. The Legislature finds and declares that it is a valid public purpose to set forth standards and procedures regarding annuity products ...
• New Jersey Statutes 17B:25-35 Definitions relative to certain annuity products.
  2. As used in this act, except as otherwise specified: "Annuity" means an annuity as defined by N.J.S.17B:17-5 directly solicited ...
• New Jersey Statutes 17B:25-36 Use of certain terms regulated; exceptions.
  3. a. (1) Consistent with the unfair trade practices set forth in N.J.S.17B:30-1 et seq., an insurance producer, or an agent, representative or ...
• New Jersey Statutes 17B:25-37 Certain annuities excluded; annuities buyer's guide; annuity contract disclosure statement.
  4. a. An annuity, for purposes of this section, concerning disclosure requirements, shall not include any annuity directly solicited to a consumer, that ...
• New Jersey Statutes 17B:25-38 Certain annuities excluded, information recorded; determination as to suitability of annuity for consumer; system of supervision.
  5. a. An annuity, for purposes of this section concerning the suitability of an annuity for a particular consumer, shall not include any ...
• New Jersey Statutes 17B:25-39 Cancellation provision for certain annuities.
  6. An annuity directly solicited to a consumer, except for any annuity that is excluded pursuant to the provisions of section 5 ...
• New Jersey Statutes 17B:25-41 Collection, maintenance of information.
  8. Any information required to be collected and maintained in order to fulfill the requirements of this act shall be done in ...
• New Jersey Statutes 17B:25-42 Violations, penalties.
  9. a. A violation of this act shall be a violation of N.J.S.17B:30-1 et seq. b. Pursuant to the authority ...
• New Jersey Statutes 17B:26-1 Filing of forms
  17B:26-1. a. No health insurance policy, or application, if a written application is required and is to be made a part of the policy, or ...
• New Jersey Statutes 17B:26-2 Form of policy; requirements
  a. No such policy of insurance shall be delivered or issued for delivery to any person in this State unless: (1) The entire money and ...
• New Jersey Statutes 17B:26-2.1 Treatment of alcoholism; benefits
  No health insurance contract providing hospital or medical expense benefits shall be delivered, issued, executed or renewed in this State, or approved for issuance or ...
• New Jersey Statutes 17B:26-2.1a Reconstructive breast surgery; benefits
  1. Every health insurance policy providing hospital or medical expense benefits delivered, issued, executed or renewed in this State, or approved for issuance ...
• New Jersey Statutes 17B:26-2.1aa Individual health insurance policy to provide coverage for hearing aids for certain persons aged 15 or younger.
  5. An individual health insurance policy that provides hospital and medical expense benefits and is delivered, issued, executed or renewed in this ...
• New Jersey Statutes 17B:26-2.1b Health insurance policies
  Every health insurance policy providing hospital or medical expense benefits delivered, issued, executed or renewed in this State, or approved for issuance or renewal in ...
• New Jersey Statutes 17B:26-2.1c Benefits for equipment for home treatment of hemophilia
  Every health insurance policy providing hospital expense benefits to any policy holder or other person covered thereunder for expenses incurred in connection with the treatment ...
• New Jersey Statutes 17B:26-2.1d Individual health insurance policy to pay benefits for treatment of Wilm's tumor
  Every individual health insurance policy providing hospital or medical expense benefits shall provide benefits to any named insured or other person covered thereunder for expenses ...
• New Jersey Statutes 17B:26-2.1e Individual health insurance policy, mammogram examination benefits.
  4. No individual health insurance policy providing hospital or medical expense benefits shall be delivered, issued, executed or renewed in this State ...
• New Jersey Statutes 17B:26-2.1f Individual health insurance benefits for certain nursing services
  1. a. Notwithstanding any provision of a policy of individual health insurance, whenever such a policy provides for reimbursement for any service which is within ...
• New Jersey Statutes 17B:26-2.1g Individual health insurance policy, benefits for "off-label" drugs required
  5. a. Except as otherwise provided in P.L.1992, c.161 (C.17B:27A-2 et al.), no individual health insurance policy which provides benefits for expenses incurred in prescribing ...
• New Jersey Statutes 17B:26-2.1h Individual health insurer, benefits for health promotion
  6. a. Every individual policy that provides hospital and medical expense benefits and is delivered, issued, executed or renewed in this State pursuant ...
• New Jersey Statutes 17B:26-2.1i Requirements for individual health insurer providing benefits for pharmacy services.
  4. a. Notwithstanding any other provision of law to the contrary, no individual health insurance policy which provides benefits for pharmacy services, prescription ...
• New Jersey Statutes 17B:26-2.1j Benefits for certain cancer treatments
  4. In addition to benefits provided under regulations adopted pursuant to P.L.1992, c.161 (C.17B:27A-2 et seq.), an insurer shall offer under every individual policy providing ...
• New Jersey Statutes 17B:26-2.1k Coverage for birth and natal care; health insurance policy
  4. a. Every policy that provides maternity benefits and is delivered, issued, executed or renewed in this State pursuant to N.J.S.17B:26-1 et seq., or approved ...
• New Jersey Statutes 17B:26-2.1l Coverage for diabetes treatment by individual health insurance policy
  4. a. Every individual health insurance policy providing hospital or medical expense benefits that is delivered, issued, executed or renewed in this State ...
• New Jersey Statutes 17B:26-2.1m Coverage for minimum inpatient care following mastectomy by individual hospital, medical expense benefits policy
  4. a. Every individual policy that provides hospital or medical expense benefits and is delivered, issued, executed or renewed in this State pursuant ...
• New Jersey Statutes 17B:26-2.1n Applicability of Health Care Quality Act
  21. Notwithstanding the provisions of chapter 26 of Title 17B of the New Jersey Statutes to the contrary, no policy shall be delivered, ...
• New Jersey Statutes 17B:26-2.1o Coverage for treatment of inherited metabolic diseases by individual health insurance policy.
  4. No individual health insurance policy providing hospital or medical expense benefits shall be delivered, issued, executed or renewed in this State, ...
• New Jersey Statutes 17B:26-2.1p Health insurance policy to cover certain audiology, speech-language pathology services.
  4. Notwithstanding any other provision of chapter 26 of Title 17B of the New Jersey Statutes, benefits shall not be denied to ...
• New Jersey Statutes 17B:26-2.1q Coverage for treatment of domestic violence injuries by individual health insurance policy.
  4. Except as otherwise provided in P.L.1992, c.161 (C.17B:27A-2 et seq.), no individual health insurance policy providing hospital or medical expense benefits ...
• New Jersey Statutes 17B:26-2.1r Coverage for certain dental procedures for the severely disabled or child age five or under by individual health insurance policy
  4. a. No individual health insurance policy providing hospital or medical benefits shall be delivered, issued, executed or renewed in this State pursuant ...
• New Jersey Statutes 17B:26-2.1s Individual health insurers to provide coverage for biologically-based mental illness.
  4. a. Every individual health insurance policy that provides hospital or medical expense benefits and is delivered, issued, executed or renewed in this ...
• New Jersey Statutes 17B:26-2.1t Coverage for hemophilia services by individual health insurers
  3. Notwithstanding the provisions of chapter 26 of Title 17B of the New Jersey Statutes to the contrary, no policy shall be ...
• New Jersey Statutes 17B:26-2.1u Individual policy to provide coverage for colorectal cancer screening.
  4. Every individual policy that provides hospital or medical expense benefits and is delivered, issued, executed or renewed in this State pursuant ...
• New Jersey Statutes 17B:26-2.1v Individual health insurer prescription drug plans to cover certain infant formulas.
  5. An individual health insurer which provides hospital or medical expense benefits for expenses incurred in the purchase of prescription drugs under ...
• New Jersey Statutes 17B:26-2.1w Policy issued under Chapter 26 of Title 17B required to cover certain out-of-network services.
  3. Notwithstanding the provisions of chapter 26 of Title 17B of the New Jersey Statutes to the contrary, no policy shall be ...
• New Jersey Statutes 17B:26-2.1x Individual health insurer to offer coverage for domestic partner.
  50. An individual health insurer that provides hospital or medical expense benefits under a policy that is delivered, issued, executed or renewed ...
• New Jersey Statutes 17B:26-2.1y Individual health insurer, coverage for prescription female contraceptives.
  5. An individual health insurer that provides hospital or medical expense benefits for expenses incurred in the purchase of outpatient prescription drugs ...
• New Jersey Statutes 17B:26-2.1z Individual health insurance policies to provide benefits for orthotic and prosthetic appliances.
  4. a. Every individual health insurance policy that provides hospital or medical expense benefits and is delivered, issued, executed or renewed in this ...
• New Jersey Statutes 17B:26-2.2 Second surgical opinions; definitions
  As used in this act: a. "Elective surgical procedure" means any nonemergency surgical procedure which may be scheduled at the convenience of the patient or ...
• New Jersey Statutes 17B:26-2.3 Policy benefits for second surgical opinion
  Any insurer issuing an individual insurance policy in accordance with chapter 26 of Title 17B of the New Jersey Statutes which provides coverage of surgical ...
• New Jersey Statutes 17B:26-2.4 Benefit payments
  Benefits for a second surgical opinion shall include payment for the second surgical opinion services of an eligible physician and for essential laboratory and X-ray ...
• New Jersey Statutes 17B:26-2.5 Third surgical opinion
  If a second surgical opinion does not confirm that a proposed elective surgical procedure is medically advisable, benefits must be provided under the policy for ...
• New Jersey Statutes 17B:26-2.6 Excluded surgical procedures
  The second surgical opinion benefit provisions of a policy may exclude benefits while the patient is confined in a hospital as an inpatient, any surgical ...
• New Jersey Statutes 17B:26-2.7 Payment for opinion services of physician
  If a physician who furnishes a second or third surgical opinion also performs the surgical procedure, the policy need not provide payment for the second ...
• New Jersey Statutes 17B:26-2.8 Application of act
  This act shall apply to all contracts in which the insurer has reserved the right to change the premium. L.1979, c. 328, s. 7. ...
• New Jersey Statutes 17B:26-3 Required provisions
  Except as provided in section 17B:26-28 each such policy delivered or issued for delivery to any person in this State shall contain the provisions specified ...
• New Jersey Statutes 17B:26-3.1 Cancellation of policy within 10 days after receipt
  Except as provided in N.J.S. 17B:26-28, each health insurance policy, other than group and blanket insurance, delivered or issued for delivery to any person in ...
• New Jersey Statutes 17B:26-3.2 Individual health insurance policy, exclusion, rates, terms based on genetic information prohibited
  14. Every individual health insurance policy providing hospital and medical expense benefits that is delivered, issued, executed or renewed in this State pursuant ...
• New Jersey Statutes 17B:26-4 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 ...
• New Jersey Statutes 17B:26-5 Time limit on certain defenses
  There shall be a provision as follows: Time limit on certain defenses: a. After 2 years from the date of issue of this policy no ...
• New Jersey Statutes 17B:26-6 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, "10" ...
• New Jersey Statutes 17B:26-7 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 ...
• New Jersey Statutes 17B:26-8 Notice of claim
  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 ...
• New Jersey Statutes 17B:26-9 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 ...
• New Jersey Statutes 17B:26-9.1 Health insurer to receive, transmit transactions relative to individual policies electronically; standards.
  5. a. Within 180 days of the adoption of a timetable for implementation pursuant to section 1 of P.L.1999, c.154 (C.17B:30-23), a health ...
• New Jersey Statutes 17B:26-10 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 ...
• New Jersey Statutes 17B:26-11 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 ...
• New Jersey Statutes 17B:26-12 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 ...
• New Jersey Statutes 17B:26-13 Physical examinations 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 ...
• New Jersey Statutes 17B:26-14 Legal actions
  There shall be a provision as follows: Legal actions: No action at law or in equity shall be brought to recover on this policy prior ...
• New Jersey Statutes 17B:26-15 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 of beneficiary ...
• New Jersey Statutes 17B:26-16 Optional policy provisions
  Except as provided in section 17B:26-28, no policy of health insurance delivered or issued for delivery to any person in this State shall contain provisions ...
• New Jersey Statutes 17B:26-17 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 ...
• New Jersey Statutes 17B:26-18 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 ...
• New Jersey Statutes 17B:26-19 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 ...
• New Jersey Statutes 17B:26-20 Insurance with other insurers
  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 ...
• New Jersey Statutes 17B:26-21 Insurance with other insurers
  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 ...
• New Jersey Statutes 17B:26-22 Relation of earnings to insurance
  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 ...
• New Jersey Statutes 17B:26-23 Unpaid premium
  There may be a provision as follows: Unpaid premium: Upon the payment of a claim under this policy, any premium then due and unpaid or ...
• New Jersey Statutes 17B:26-24 Cancellation
  There may be a provision as follows: Cancellation: The insurer may cancel this policy at any time by written notice delivered to the insured, or ...
• New Jersey Statutes 17B:26-25 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 ...
• New Jersey Statutes 17B:26-26 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 ...
• New Jersey Statutes 17B:26-27 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 ...
• New Jersey Statutes 17B:26-28 Inapplicable or inconsistent provisions
  If any provision of sections 17B:26-3 to 17B:26-31, inclusive, is in whole or in part inapplicable to or inconsistent with the coverage provided by a ...
• New Jersey Statutes 17B:26-29 Order of certain policy provisions
  The provisions which are the subject of sections 17B:26-3 to 17B:26-27, inclusive, or any corresponding provisions which are used in lieu thereof in accordance with ...
• New Jersey Statutes 17B:26-30 Third party ownership
  The word "insured," as used in this chapter, shall not be construed as preventing a person other than the insured with a proper insurable interest ...
• New Jersey Statutes 17B:26-31 Requirements 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 ...
• New Jersey Statutes 17B:26-32 Other policy provisions
  No policy provision which is not subject to sections 17B:26-3 to 17B:26-31, inclusive, of this chapter shall make a policy, or any portion thereof, less ...
• New Jersey Statutes 17B:26-33 Policy conflicting with this chapter
  A policy delivered or issued for delivery to any person in this State in violation of this chapter shall be held valid but shall be ...
• New Jersey Statutes 17B:26-34 Time limit on certain defenses with respect to reinstatement
  A policy provision complying with the requirements of section 17B:26-5, relating to a time limit on certain defenses, shall also apply to any reinstatement of ...
• New Jersey Statutes 17B:26-35 Waiver of rights of insurer
  The acknowledgment by any insurer of the receipt of notice given under any policy covered by this chapter, or the furnishing of forms for filing ...
• New Jersey Statutes 17B:26-36 Age limit
  If any policy contains a provision establishing, as an age limit or otherwise, a date after which the coverage provided by the policy will not ...
• New Jersey Statutes 17B:26-37 Scope of chapter
  Nothing in this chapter shall apply to or affect a. any policy of workmen's compensation insurance or any policy of liability insurance with or without ...
• New Jersey Statutes 17B:26-38 Penalty
  Any person who delivers or issues for delivery to any person in this State any policy in willful violation of the provisions of this chapter ...
• New Jersey Statutes 17B:26-39 Legislative findings and declarations
  The Legislature hereby finds and declares that the high cost of hospital care necessitates the establishment of alternative means of caring for patients who need ...
• New Jersey Statutes 17B:26-40 Definitions
  As used in this act: a. "Home health care" means those nursing and other home health care services rendered to a person in his place ...
• New Jersey Statutes 17B:26-41 Home health care; requirement for provisions for coverage
  Notwithstanding any provision of a policy of health insurance, hereafter delivered or issued for delivery in this State, whenever such policy provides coverage for inpatient ...
• New Jersey Statutes 17B:26-42 Benefits
  Every policy shall provide benefits required by section 3 without a separate deductible or coinsurance provision for the home health care benefit. For the purpose ...
• New Jersey Statutes 17B:26-43 Direct reimbursement to home health care providers
  The State Commissioner of Insurance, after consultation with the State Commissioner of Health, shall provide for a system of direct reimbursement to home health care ...
• New Jersey Statutes 17B:26-44 Regulations
  The State Commissioner of Insurance, after consultation with the State Commissioner of Health, is hereby empowered and directed to promulgate regulations necessary to effectuate the ...
• New Jersey Statutes 17B:26-44.1 Policy provision for reimbursement of dental services; payment regardless of discipline of provider
  Notwithstanding any provision of a policy or individual health insurance contract hereafter delivered, issued for delivery, amended, renewed or ratified in this State, whenever such ...
• New Jersey Statutes 17B:26-44.2 Application to policy or contract not limited to reimbursement of specific types of duly licensed health care professionals other than dentists
  The provisions of section 1 of this act shall also apply to any policy or contract of individual health insurance already delivered or issued for ...
• New Jersey Statutes 17B:26-44.3 Renewal date; policy with reservation of right to change premium
  For the purposes of this act, a policy or contract in which the company has reserved the right to change the premium shall be considered ...
• New Jersey Statutes 17B:26-44.4 Alternative dental coverage; original coverage restricted to limited number of providers
  Each employer or other organization which employs or has 25 or more employees or members during the full preceding calendar year and which contributes to ...
• New Jersey Statutes 17B:26-44.5 Employer contribution
  An employer or other organization shall be required to pay for or contribute towards the provision of alternative coverage an amount equal to the premium ...
• New Jersey Statutes 17B:26-44.6 Rules and regulations
  Within 120 days of the effective date of this act, the Commissioner of the Department of Insurance shall promulgate rules and regulations necessary to effectuate ...
• New Jersey Statutes 17B:26-45 Minimum standards for form, content and sale of individual health insurance; regulations
  a. The commissioner of insurance shall issue such regulations as he shall deem necessary or desirable to establish minimum standards, including standards for full and ...
• New Jersey Statutes 17B:26-46 Violations; penalty; collection and enforcement
  If, after notice and hearing, the commissioner finds that an insurance company, agent or broker or any other person has violated the provisions of this ...
• New Jersey Statutes 17B:26-47 Injunction
  The commissioner may, through the Attorney General of this State, institute an action in the Superior Court to enjoin and restrain any insurer who has ...
• New Jersey Statutes 17B:26A-1 Definitions
  1. For the purposes of this act: a. "Applicant" means: (1) In the case of an individual medicare supplement policy, the person who seeks to ...
• New Jersey Statutes 17B:26A-2 Regulations; medicare supplement policies
  The commissioner shall issue regulations to establish specific standards for policy provisions of medicare supplement policies, which shall be in addition to and in accordance ...
• New Jersey Statutes 17B:26A-3 Prohibited provisions
  3. a. No medicare supplement policy shall contain benefits which duplicate any benefits provided by medicare. b. The commissioner may issue regulations that specify prohibited ...
• New Jersey Statutes 17B:26A-4 Preexisting condition; denial of claim for losses
  Notwithstanding any other provision of law of this State to the contrary, a medicare supplement policy may not deny a claim for losses incurred more ...
• New Jersey Statutes 17B:26A-5 Regulations
  5. The commissioner shall promulgate regulations to effectuate and enforce the provisions of P.L.1982, c.94 (C. 17B:26A-1 et seq.) and any regulations which are necessary ...
• New Jersey Statutes 17B:26A-6 Medicare supplement policy or certificate, requirements
  6. a. No insurer shall deliver or issue for delivery to a resident of this State a medicare supplement policy or certificate, or any application, ...
• New Jersey Statutes 17B:26A-7 Outline of coverage, regulations
  7. a. In order to provide for full and fair disclosure in the sale of medicare supplement policies, no medicare supplement policy or certificate shall ...
• New Jersey Statutes 17B:26A-8 30-day examination period, refunds
  8. Medicare supplement policies or certificates shall have a notice prominently printed on the first page of the policy or certificate or attached thereto stating ...
• New Jersey Statutes 17B:26A-9 Applicability
  1. Except as otherwise specifically provided: a. The provisions of P.L.1982, c.94 (C.17B:26A-1 et seq.) shall apply to all medicare supplement policies delivered or issued ...
• New Jersey Statutes 17B:26A-10 Filing of copies of advertising materials, regulations
  8. a. Every insurer shall file with the Department of Insurance a copy of all advertising materials to be used in promoting medicare supplement policies ...
• New Jersey Statutes 17B:26A-11 Additional remedies
  9. In addition to any other applicable penalties for violation of the provisions of Title 17B of the New Jersey Statutes, the commissioner may require ...
• New Jersey Statutes 17B:26A-12 Findings, declarations on Medicare supplement insurance
  1. The Legislature finds and declares that: a. As of April 1, 1995, individuals in the State ...
• New Jersey Statutes 17B:26A-13 Medicare Supplement Plan C offered
  2. a. No later than 60 days after the effective date of this act, every carrier issuing or renewing Medicare supplement insurance policies ...
• New Jersey Statutes 17B:26A-14 Rules, regulations; rates; plan provision
  3. a. The commissioner shall adopt rules and regulations establishing a plan to provide Medicare Supplement Plan C coverage of the standardized Medicare ...
• New Jersey Statutes 17B:26A-15 Procedures for equitable sharing of losses; conditions; filing statement
  4. The plan shall establish procedures for the equitable sharing of any losses incurred by the contracting carrier providing coverage under ...
• New Jersey Statutes 17B:26A-16 Audit required, conditions
  5. a. Whenever the contracting carrier reports a net loss to the commissioner pursuant to paragraph (2) of subsection a. of section 4 ...
• New Jersey Statutes 17B:26A-17 Definitions
  6. As used in this act: "Carrier" means an insurance company or service corporation authorized to issue health benefits ...
• New Jersey Statutes 17B:26B-1 Health insurers to offer basic health care policies
  Every health insurer authorized to do business in this State which delivers or issues for delivery policies in accordance with the provisions of chapter 26 ...
• New Jersey Statutes 17B:26B-2 Provisions of basic health care policy
  57. a. A basic health care policy offered pursuant to section 56 of P.L.1991, c.187 (C.17B:26B-1) shall provide: (1) Basic hospital expense coverage for a ...
• New Jersey Statutes 17B:27-26 Definitions and requirements
  Any policy or contract of health insurance which covers more than one person, other than a blanket insurance policy, or a policy issued pursuant to ...
• New Jersey Statutes 17B:27-27 Employer, trustee, labor union, association groups
  A policy issued to an employer or to the trustees of a fund established by one or more employers, or issued to a labor union, ...
• New Jersey Statutes 17B:27-28 Other groups as permitted under group life insurance
  Group health insurance may also be provided under a policy issued to cover such other groups as may be covered for group life insurance. L.1971, ...
• New Jersey Statutes 17B:27-29 Discretionary groups
  A policy issued to insure any other group which, in the opinion of the commissioner, may be insured for group health insurance in accordance with ...
• New Jersey Statutes 17B:27-30 Dependents
  Benefits of group health insurance, except benefits for loss of time on account of disability, may be provided for one or more members of the ...
• New Jersey Statutes 17B:27-30.1 Benefits provided by group policy to subscriber's child
  11. a. A policy which provides hospital or medical expense benefits under which dependent coverage is available shall not deny coverage for an ...
• New Jersey Statutes 17B:27-30.2 Requirements applicable to State Medicaid
  12. An insurer shall not impose requirements on the Division of Medical Assistance and Health Services in the Department of Human ...
• New Jersey Statutes 17B:27-30.3 Coverage provided by group health plan to subscriber's child
  15. a. A group health plan as defined in section 607(1) of the "Employee Retirement Income Security Act of 1974," 29 U.S.C.1167(1) which ...
• New Jersey Statutes 17B:27-30.4 Requirements applicable to State Medicaid
  16. A group health plan as defined in section 607(1) of the "Employee Retirement Income Security Act of 1974," 29 U.S.C.1167(1) ...
• New Jersey Statutes 17B:27-30.5 Coverage for certain dependents until age 31 by group health insurance policy.
  4. a. As used in this section, "dependent" means an insured's child by blood or by law who: (1) is ...
• New Jersey Statutes 17B:27-31 "Employees" defined
  The policy may provide that the term "employees" shall include as employees of a single employer the employees of one or more subsidiary corporations and ...
• New Jersey Statutes 17B:27-32 Blanket insurance
  a. Any policy or contract of insurance against death or injury resulting from accident or from accidental means which conforms with the description and complies ...
• New Jersey Statutes 17B:27-33 Standard provisions
  No policy of group health or blanket insurance and no certificate thereunder shall be delivered or issued for delivery in this State unless the policy ...
• New Jersey Statutes 17B:27-34 Application; statements
  There shall be a provision that a copy of the application, if any, of the policyholder shall be attached to the policy when issued, that ...
• New Jersey Statutes 17B:27-35 Policy changes
  There shall be a provision that no agent has authority to change the policy or to waive any of its provisions and that no change ...
• New Jersey Statutes 17B:27-36 New entrants
  There shall be a provision that all new employees or new members, as the case may be, in the groups or classes eligible for such ...
• New Jersey Statutes 17B:27-36.1 Eligibility for enrollment under policy providing hospital, medical expense benefits.
  6. Notwithstanding any other provision of law to the contrary, an insurer shall not consider a person's eligibility for medical assistance pursuant ...
• New Jersey Statutes 17B:27-36.2 Group health insurance, policy, exclusion, rates, terms based on genetic information prohibited
  15. Every group health insurance policy providing hospital or medical expense benefits that is delivered, issued, executed or renewed in this State pursuant ...
• New Jersey Statutes 17B:27-37 Payment of premiums
  There shall be a provision that all premiums due under the policy shall be remitted by the employer or employers of the persons insured, by ...
• New Jersey Statutes 17B:27-38 Certificate
  There shall be a provision that the insurer shall issue to the employer, the policyholder, or other person or association in whose name such policy ...
• New Jersey Statutes 17B:27-39 Age limits
  There shall be a provision specifying the ages, if any there be, to which the insurance provided therein shall be limited; and the ages, if ...
• New Jersey Statutes 17B:27-40 Notice of loss
  There shall be a provision that written notice of sickness or of injury must be given to the insurer within 20 days after the date ...
• New Jersey Statutes 17B:27-41 Proof of loss
  There shall be a provision that in the case of claim for loss of time for disability, written proof of such loss must be furnished ...
• New Jersey Statutes 17B:27-42 Forms for proof
  There shall be a provision that the insurer will furnish to the person making claim, or to the policyholder for delivery to such person, such ...
• New Jersey Statutes 17B:27-43 Examination, autopsy
  There shall be a provision that the insurer shall have the right and opportunity to examine the person of the insured when and so often ...
• New Jersey Statutes 17B:27-44 Time of benefit payment
  There shall be a provision that all benefits payable under the policy other than benefits for loss of time will be payable not more than ...
• New Jersey Statutes 17B:27-44.2 Health insurer to receive, transmit transactions relative to group policies electronically; standards.
  6. a. Within 180 days of the adoption of a timetable for implementation pursuant to section 1 of P.L.1999, c.154 (C.17B:30-23), a health ...
• New Jersey Statutes 17B:27-45 Beneficiary; direct payment to hospitals and other purveyors of services
  There shall be a provision that indemnity for loss of life of the insured shall be payable to the beneficiary or beneficiaries designated by the ...
• New Jersey Statutes 17B:27-46 Time limits, suits
  There shall be a provision that no action at law or in equity shall be brought to recover on the policy prior to the expiration ...
• New Jersey Statutes 17B:27-46.1 Treatment of alcoholism; benefits
  No group health insurance contract providing hospital or medical expense benefits shall be delivered, issued, executed or renewed in this State, or approved for issuance ...
• New Jersey Statutes 17B:27-46.1a Reconstructive breast surgery; benefits
  1. Every group health insurance policy providing hospital or medical expense benefits delivered, issued, executed or renewed in this State, or approved for ...
• New Jersey Statutes 17B:27-46.1b Group health insurance policies
  Every group health insurance policy providing hospital or medical expense benefits delivered, issued, executed or renewed in this State, or approved for issuance or renewal ...
• New Jersey Statutes 17B:27-46.1c Benefits for purchase of blood products, infusion equipment
  Every group health insurance policy providing hospital expense benefits to any policy holder or other person covered thereunder for expenses incurred in connection with the ...
• New Jersey Statutes 17B:27-46.1d Commercial health insurer benefits for preexisting condition
  a. Notwithstanding any other provision of law to the contrary, no group health insurance policy issued by an insurer pursuant to the provisions of Chapter ...
• New Jersey Statutes 17B:27-46.1e Group health insurance policy to pay benefits for treatment of Wilm's tumor
  Every group health insurance policy providing hospital or medical expense benefits shall provide benefits to any named insured or other person covered thereunder for expenses ...
• New Jersey Statutes 17B:27-46.1f Group health insurance policy, mammogram examination benefits.
  5. No group health insurance policy providing hospital or medical expense benefits shall be delivered, issued, executed or renewed in this State ...
• New Jersey Statutes 17B:27-46.1g .Group health insurance policy, benefits for "off-label" drugs required
  6. a. Except as otherwise provided in P.L.1992, c.162 (C.17B:27A-17 et seq.), no group health insurance policy which provides benefits for expenses incurred in prescribing ...
• New Jersey Statutes 17B:27-46.1h Group health insurer, benefits for health promotion
  7. a. Every group policy that provides hospital and medical expense benefits and is delivered, issued, executed or renewed in this State pursuant ...
• New Jersey Statutes 17B:27-46.1i Requirements for group health insurer providing benefits for pharmacy services.
  5. a. Notwithstanding any other provision of law to the contrary, no group health insurance policy which provides benefits for pharmacy services, prescription ...
• New Jersey Statutes 17B:27-46.1j Benefits for certain cancer treatments
  5. In addition to benefits provided under regulations adopted pursuant to P.L.1992, c.162 (C.17B:27A-17 et seq.), an insurer shall offer under every group policy providing ...
• New Jersey Statutes 17B:27-46.1k Coverage for birth and natal care; group insurance policy
  7. a. Every policy that provides maternity benefits and is delivered, issued, executed or renewed in this State pursuant to N.J.S.17B:27-26 et seq., or approved ...
• New Jersey Statutes 17B:27-46.1l Group health insurance policy, child screening, blood lead, hearing loss; immunizations.
  3. No group health insurance policy providing hospital or medical expense benefits for groups with more than 50 persons shall be delivered, ...
• New Jersey Statutes 17B:27-46.1m Coverage for diabetes treatment by group health insurance policy
  5. a. Every group health insurance policy providing hospital or medical expense benefits that is delivered, issued, executed or renewed in this State ...
• New Jersey Statutes 17B:27-46.1n Group health insurance policy, Pap smear benefits
  4. No group health insurance policy providing hospital or medical expense benefits for groups with greater than 50 persons shall be delivered, ...
• New Jersey Statutes 17B:27-46.1o Group health insurance policy, prostate cancer testing
  4. No group health insurance policy providing hospital or medical expense benefits for groups with greater than 49 persons shall be delivered, issued, ...
• New Jersey Statutes 17B:27-46.1p Coverage for minimum inpatient care following mastectomy by group policy
  5. a. Every group policy that provides hospital or medical expense benefits and is delivered, issued, executed or renewed in this State pursuant ...
• New Jersey Statutes 17B:27-46.1q Applicability of Health Care Quality Act
  22. Notwithstanding the provisions of chapter 27 of Title 17B of the New Jersey Statutes to the contrary, no policy shall be delivered, ...
• New Jersey Statutes 17B:27-46.1r Coverage for treatment of inherited metabolic diseases by group health insurance policy.
  5. No group health insurance policy providing hospital or medical expense benefits shall be delivered, issued, executed or renewed in this State, ...
• New Jersey Statutes 17B:27-46.1s Group health insurer to cover certain audiology, speech-language pathology services.
  5. Notwithstanding any other provision of chapter 27 of Title 17B of the New Jersey Statutes, benefits shall not be denied to ...
• New Jersey Statutes 17B:27-46.1t Coverage for treatment of domestic violence injuries by group health insurance policy.
  5. Except as otherwise provided in P.L.1992, c.162 (C.17B:27A-17 et seq.), no group health insurance policy providing hospital or medical expense benefits ...
• New Jersey Statutes 17B:27-46.1u Coverage for certain dental procedures for the severely disabled or child age five or under by group health insurance policy
  5. a. No group health insurance policy providing hospital or medical benefits shall be delivered, issued, executed or renewed in this State pursuant ...
• New Jersey Statutes 17B:27-46.1v Group health insurers to provide coverage for biologically-based mental illness.
  5. a. Every group health insurance policy that provides hospital or medical expense benefits and is delivered, issued, executed or renewed in this ...
• New Jersey Statutes 17B:27-46.1w Coverage for hemophilia services by group health insurers
  4. Notwithstanding the provisions of chapter 27 of Title 17B of the New Jersey Statutes to the contrary, no policy shall be ...
• New Jersey Statutes 17B:27-46.1x Group health insurance policy to provide coverage for treatment of infertility.
  4. a. A group health insurance policy which provides hospital or medical expense benefits for groups with more than 50 persons, which includes ...
• New Jersey Statutes 17B:27-46.1y Group policy to provide coverage for colorectal cancer screening.
  5. Every group policy that provides hospital or medical expense benefits and is delivered, issued, executed or renewed in this State pursuant ...
• New Jersey Statutes 17B:27-46.1z Group health insurer prescription drug plans to cover certain infant formulas.
  4. A group health insurer which provides hospital or medical expense benefits for expenses incurred in the purchase of prescription drugs under ...
• New Jersey Statutes 17B:27-46.1bb Group health insurer to offer coverage for domestic partner.
  51. A group health insurer that provides hospital or medical expense benefits under a policy that is delivered, issued, executed or renewed ...
• New Jersey Statutes 17B:27-46.1cc Group health insurance policy, high deductible, coverage for preventive care.
  8. No group health insurance policy providing hospital or medical expense benefits for groups with more than 50 persons, that qualifies as ...
• New Jersey Statutes 17B:27-46.1dd Group health insurance policy, high deductible, deductible inapplicable, certain circumstances.
  9. Notwithstanding the provisions of section 3 of P.L.1995, c.316 (C.17B:27-46.1l) regarding deductibles for a high deductible health plan, a group health ...
• New Jersey Statutes 17B:27-46.1ee Group health insurer, coverage for prescription female contraceptives.
  4. A group health insurer that provides hospital or medical expense benefits for expenses incurred in the purchase of outpatient prescription drugs ...
• New Jersey Statutes 17B:27-46.1ff Group health insurance policies to provide benefits for orthotic and prosthetic appliances.
  5. a. Every group health insurance policy that provides hospital or medical expense benefits and is delivered, issued, executed or renewed in this ...
• New Jersey Statutes 17B:27-46.1gg Group health insurance policy to provide coverage for hearing aids for certain persons aged 15 or younger.
  6. A group health insurance policy that provides hospital and medical expense benefits and is delivered, issued, executed or renewed in this ...
• New Jersey Statutes 17B:27-46.2 Second surgical opinions; definitions
  As used in this act: a. "Elective surgical procedure" means any nonemergency surgical procedure which may be scheduled at the convenience of the patient or ...
• New Jersey Statutes 17B:27-46.3 Group insurance policies; provision of program on request
  Any insurer issuing a group insurance policy in accordance with chapter 27 of Title 17B of the New Jersey Statutes which provides coverage of surgical ...
• New Jersey Statutes 17B:27-46.4 Payment for second surgical opinion services
  A second surgical opinion program shall provide for payment for the second surgical opinion services of an eligible physician and for essential laboratory and X-ray ...
• New Jersey Statutes 17B:27-46.5 Third surgical opinion
  If a second surgical opinion does not confirm that a proposed elective surgical procedure is medically advisable, the program must cover a third surgical opinion ...
• New Jersey Statutes 17B:27-46.6 Reduction of benefits where no second opinion obtained
  Where a second surgical opinion program is operative in connection with surgical coverage under a group insurance policy, and provides second and third surgical opinion ...
• New Jersey Statutes 17B:27-46.7 Permissible benefit exclusions
  A second surgical opinion program may exclude benefits while the patient is confined in a hospital as an inpatient, any surgical procedure not covered by ...
• New Jersey Statutes 17B:27-46.8 Payment for opinion services of physician
  If a physician who furnishes a second or third surgical opinion also performs the surgical procedure, the second surgical opinion program need not provide payment ...
• New Jersey Statutes 17B:27-46.9 Application of act
  This act shall apply to all contracts in which the insurer has reserved the right to change the premium. L.1979, c. 329, s. 8. ...
• New Jersey Statutes 17B:27-47 Group health or blanket insurance--provisions as favorable; policies issued outside State
  No policy of group health or blanket insurance, and no certificate thereunder shall be delivered or issued for delivery in this State if such policy ...
• New Jersey Statutes 17B:27-48 Exceptions in same type as benefits
  Exceptions in the policy shall be printed in the policy and in the certificate with the same prominence as the benefits to which they apply. ...
• New Jersey Statutes 17B:27-49 Filing of forms
  17B:27-49. a. No group health insurance policy, or blanket insurance policy, or application, if a written application is required and is to be made a ...
• New Jersey Statutes 17B:27-50 Reimbursement for service of physician or practicing psychologist
  a. Notwithstanding any provision of a policy or contract of group health insurance, hereafter delivered or issued for delivery in this State, whenever such a ...
• New Jersey Statutes 17B:27-50.1 Severability
  If any section, subsection, paragraph, sentence, clause, phrase or word contained in this act shall be declared invalid for any reason whatsoever, such invalidity shall ...
• New Jersey Statutes 17B:27-51 Reimbursement for optometric service
  Notwithstanding any provision of a policy or contract of group health insurance, hereafter delivered or issued for delivery in this State, whenever such a policy ...
• New Jersey Statutes 17B:27-51.1 Reimbursement for service of chiropractor
  Notwithstanding any provision of a policy or contract of group health insurance, hereafter delivered or issued for delivery in this State, whenever such a policy ...
• New Jersey Statutes 17B:27-51.1a Group health insurance benefits for certain nursing services
  2. a. Notwithstanding any provision of a policy of group health insurance, whenever such a policy provides for reimbursement for any service which is within ...
• New Jersey Statutes 17B:27-51.2 Legislative findings and declarations
  The Legislature hereby finds and declares that the high cost of hospital care necessitates the establishment of alternative means of caring for patients who need ...
• New Jersey Statutes 17B:27-51.3 Definitions
  As used in this act: a. "Home health care" means those nursing and other home health care services rendered to a person in his place ...
• New Jersey Statutes 17B:27-51.4 Home health care; requirement for coverage
  Notwithstanding any provision of a policy of group health insurance, hereafter delivered or issued for delivery in this State, whenever such policy provides coverage for ...
• New Jersey Statutes 17B:27-51.5 Benefits
  Every policy shall provide benefits required by section 3 without a separate deductible or coinsurance provision for the home health care benefit. For the purpose ...
• New Jersey Statutes 17B:27-51.6 Direct reimbursement to home health care providers
  The State Commissioner of Insurance, after consultation with the State Commissioner of Health, shall provide for a system of direct reimbursement to home health care ...
• New Jersey Statutes 17B:27-51.7 Regulations
  The State Commissioner of Insurance, after consultation with the State Commissioner of Health, is hereby empowered and directed to promulgate regulations necessary to effectuate the ...
• New Jersey Statutes 17B:27-51.8 Policy provision for reimbursement of dental services; payment regardless of discipline of provider
  Notwithstanding any provision of a policy or contract of group health insurance hereafter delivered, issued for delivery, amended, renewed or ratified in this State whenever ...
• New Jersey Statutes 17B:27-51.9 Application to policy or contract not limited to reimbursement of specific types of duly licensed health care professionals other than dentists
  The provisions of section 1 of this act shall also apply to any policy or contract of group health insurance already delivered or issued for ...
• New Jersey Statutes 17B:27-51.10 Renewal date; policy with reservation of right to change premium
  For the purposes of this act, a policy or contract in which the company has reserved the right to change the premium shall be considered ...
• New Jersey Statutes 17B:27-51.10a Alternative dental coverage; original coverage restricted to limited number of providers
  Each employer or other organization which employs or has 25 or more employees or members during the full preceding calendar year which contributes to a ...
• New Jersey Statutes 17B:27-51.10b Employer contribution
  An employer or other organization shall be required to pay or contribute towards the provision of alternative coverage an amount equal to the premium or ...
• New Jersey Statutes 17B:27-51.10c Rules and regulations
  Within 120 days of the effective date of this act, the Commissioner of the Department of Insurance shall promulgate rules and regulations necessary to effectuate ...
• New Jersey Statutes 17B:27-51.11 Definitions
  As used in this act: a. "Group policy" means a group health insurance policy issued by an insurer pursuant to Title 17B of the New ...
• New Jersey Statutes 17B:27-51.12 Total disability of employee or member; continuation under group policy; conditions
  A group policy delivered or issued for delivery in this State which insures employees or members and their dependents for hospital, surgical or major medical ...
• New Jersey Statutes 17B:27-51.13 Inapplicability to policy without right of insurer to terminate without consent of insured
  The provisions of this act shall not apply to any policy in which the insurer does not have the right to terminate the policy without ...
• New Jersey Statutes 17B:27-52 Group life and health--package policies
  Any insurer authorized to write in this State group life and group health insurance may provide such coverages in one policy or in separate policies, ...
• New Jersey Statutes 17B:27-53 Group life and health--rate reductions and application of dividends; excess over employer's cost
  If a policy dividend is hereafter declared or a reduction in rate is hereafter made or continued under any group insurance policy heretofore or hereafter ...
• New Jersey Statutes 17B:27-54 Application of provisions; definitions
  14. The provisions of sections 14 through 27 of P.L.1997, c.146 (C.17B:27-54 through C.17B:27-67) shall apply to group health insurance coverage that is ...
• New Jersey Statutes 17B:27-55 Imposition of preexisting condition exclusion
  15. A health insurer may impose a preexisting condition exclusion in its group health plan only if: a. the exclusion relates ...
• New Jersey Statutes 17B:27-56 Incidents, certain, no imposition of preexisting condition exclusion
  16. A health insurer which offers a group health plan shall not impose a preexisting condition exclusion for the following: a. on a ...
• New Jersey Statutes 17B:27-57 Genetic information, not preexisting condition
  17. Genetic information shall not be treated as a preexisting condition in the absence of a diagnosis of the condition related to such ...
• New Jersey Statutes 17B:27-58 Counting of period of creditable coverage
  18. A period of creditable coverage shall not be counted, with respect to enrollment of an individual under a group health plan, if, ...
• New Jersey Statutes 17B:27-59 Application of creditable coverage
  19. Except as provided in this section, a health insurer which offers a group health plan shall count a period of creditable coverage ...
• New Jersey Statutes 17B:27-60 Written certification of creditable coverage under COBRA
  20. a. A health insurer which offers a group health plan shall provide a written certification of creditable coverage at the time an ...
• New Jersey Statutes 17B:27-61 Affiliation period imposed by HMO
  21. A health maintenance organization which offers a group health plan and which does not impose a preexisting condition exclusion, may impose an ...
• New Jersey Statutes 17B:27-62 Permission to enroll for group coverage
  22. A health insurer which offers a group health plan shall permit an employee or dependent who is eligible, but not enrolled, for ...
• New Jersey Statutes 17B:27-63 Dependent special enrollment period
  23. If a group health plan makes coverage available with respect to a dependent of an individual who is a participant under the ...
• New Jersey Statutes 17B:27-64 Rules for eligibility, health status-related factors prohibited
  24. A health insurer which offers a group health plan may not establish rules for eligibility, including continued eligibility, of any individual to ...
• New Jersey Statutes 17B:27-65 Premiums, contributions regulated
  25. A health insurer which offers a group health plan may not require an individual, as a condition of enrollment or continued enrollment ...
• New Jersey Statutes 17B:27-66 Renewal of coverage; exceptions
  26. A health insurer which offers health insurance coverage in connection with a group health plan shall renew the coverage under the plan ...
• New Jersey Statutes 17B:27-67 Modification of coverage
  27. At the time of coverage renewal, a health insurer may modify the health insurance coverage for a product offered to a group ...
• New Jersey Statutes 17B:27-68 Conditions for issuance, delivery of group life insurance.
  1. Except as provided in section 2 of this act, no policy of group life insurance shall be delivered or issued for ...
• New Jersey Statutes 17B:27-69 Conditions for issuance, delivery of group life insurance to groups not included in C.17B:27-68.
  2. a. Group life insurance offered to a resident of this State under a group life insurance policy issued to a group other ...
• New Jersey Statutes 17B:27-70 Written notice to prospective insureds of noncompliance with C.17B:27-68; definitions.
  3. a. With respect to a program of insurance which, if issued on a group basis, does not meet the requirements of section ...
• New Jersey Statutes 17B:27-71 Extension to dependents of group life insurance policy.
  4. Except for a policy issued under subsection b. of section 1 of this act, a group life insurance policy may be ...
• New Jersey Statutes 17B:27-72 Required provisions for delivery, issuance of group life insurance policy.
  5. a. No policy of group life insurance shall be delivered or issued for delivery in this State unless it contains in substance ...
• New Jersey Statutes 17B:27-73 Issuance, delivery of individual policy of life insurance.
  6. If an individual insured under a group insurance policy hereafter delivered or issued for delivery in this State becomes entitled under ...
• New Jersey Statutes 17B:27-74 Filing of form required for delivery, issuance of group life insurance.
  7. a. No group life insurance policy, or application, if a written application is required and is to be made a part of ...
• New Jersey Statutes 17B:27-75 Payment of benefits.
  8. a. Notwithstanding any policy provision to the contrary, benefits under a group life insurance policy subject to this act shall become payable ...
• New Jersey Statutes 17B:27A-1 Filing of paid hospital expense claims; definitions
  18. a. Every carrier issuing health benefits plans in this State shall file its paid hospital expense claims paid by January 30, 1993 and by ...
• New Jersey Statutes 17B:27A-2 Definitions.
  1. As used in sections 1 through 15, inclusive, of this act: "Board" means the board of directors of the ...
• New Jersey Statutes 17B:27A-2.1 Regulations.
  36. The Commissioner of Banking and Insurance shall, pursuant to the "Administrative Procedure Act," P.L.1968, c.410 (C.52:14B-1 et seq.), adopt regulations necessary ...
• New Jersey Statutes 17B:27A-2.2 Effective date.
  37. Sections 1 through 8, 26 through 28, 36 and this section of this act shall take effect immediately and sections 9 ...
• New Jersey Statutes 17B:27A-3 Individual health benefits plans, applicability of act.
  2. a. An individual health benefits plan issued on or after the effective date of this section of P.L.2008, c.38 shall be subject ...
• New Jersey Statutes 17B:27A-4 Offering of individual health benefits required by issuer of small employer health benefits plans.
  3. a. No later than 180 days after the effective date of this section of P.L.2008, c.38, a carrier shall, as a condition ...
• New Jersey Statutes 17B:27A-4.1 Individual policy, contract for hospital, medical expense benefits, coverage of subscriber's child
  7. a. A policy or contract which provides hospital or medical expense benefits under which dependent coverage is available shall not deny coverage ...
• New Jersey Statutes 17B:27A-4.2 Requirements applicable to State Medicaid
  8. A carrier shall not impose requirements on the Division of Medical Assistance and Health Services in the Department of Human ...
• New Jersey Statutes 17B:27A-4.3 Eligibility for enrollment in individual health benefits plan
  4. Notwithstanding any other provision of law to the contrary, a carrier shall not consider a person's eligibility for medical assistance pursuant ...
• New Jersey Statutes 17B:27A-4.5 Carrier offering plans pursuant to C.17B:27A-2 et seq. to offer EPO; coverages.
  2. a. Notwithstanding the provisions of P.L.1992, c.161 (C.17B:27A-2 et al.), every carrier that writes individual health benefits plans pursuant to P.L.1992, c.161 ...
• New Jersey Statutes 17B:27A-4.6 Evaluation as to effectiveness of act.
  3. The New Jersey Individual Health Coverage Program Board, in consultation with the New Jersey Small Employer Health Benefits Program Board, shall ...
• New Jersey Statutes 17B:27A-4.7 Carrier offering plans pursuant to C.17B:27A-2 et seq. may offer additional plan with certain limited benefits.
  4. In addition to the health benefits plans offered by a carrier on the effective date of this act, a carrier that ...
• New Jersey Statutes 17B:27A-5 Laws not applicable to plans
  4. The following provisions shall not apply to basic health benefits plans and managed care health benefits plans issued pursuant to section 3 of this ...
• New Jersey Statutes 17B:27A-6 Individual health benefits plans, requirements.
  5. An individual health benefits plan issued pursuant to section 3 of this act is subject to the following provisions: ...
• New Jersey Statutes 17B:27A-7 Establishment of policy; contract forms; high deductible health plan; benefit levels.
  6. The commissioner shall approve the policy and contract forms and benefit levels to be made available by all carriers for the ...
• New Jersey Statutes 17B:27A-7.1 Coverage for birth and natal care; individual health policy
  5. a. Every policy that provides maternity benefits and is delivered, issued, executed or renewed in this State pursuant to P.L.1992, c.161 (C.17B:27A-2 et seq.) ...
• New Jersey Statutes 17B:27A-7.2 Coverage for minimum inpatient care following mastectomy by individual health benefits plan
  6. a. Every individual health benefits plan that provides hospital or medical expense benefits and is delivered, issued, executed or renewed in this ...
• New Jersey Statutes 17B:27A-7.3 Applicability of Health Care Quality Act
  24. Notwithstanding the provisions of P.L.1992, c.161 (C.17B:27A-2 et seq.) to the contrary, no policy or contract shall be delivered, issued, executed or ...
• New Jersey Statutes 17B:27A-7.4 Coverage for treatment of inherited metabolic diseases by individual health benefits plan.
  6. No individual health benefits plan subject to the provisions of P.L.1992, c.161 (C.17B:27A-2 et seq.) shall be delivered, issued, executed or ...
• New Jersey Statutes 17B:27A-7.5 Individual health benefits plan to provide coverage for biologically-based mental illness.
  6. a. Every individual health benefits plan that provides hospital or medical expense benefits and is delivered, issued, executed or renewed in this ...
• New Jersey Statutes 17B:27A-7.6 Coverage for hemophilia services by individual health policy
  6. Notwithstanding the provisions of P.L.1992, c.161 (C.17B:27A-2 et seq.) to the contrary, no policy or contract shall be delivered, issued, executed ...
• New Jersey Statutes 17B:27A-7.7 Individual health benefits plan to provide coverage for colorectal cancer screening.
  6. Every individual health benefits plan that provides hospital or medical expense benefits and is delivered, issued, executed or renewed in this ...
• New Jersey Statutes 17B:27A-7.8 Policy, contract issued under C.17B:27A-2 et seq. required to cover certain out-of-network services.
  6. Notwithstanding the provisions of P.L.1992, c.161 (C.17B:27A-2 et seq.) to the contrary, no policy or contract shall be delivered, issued, executed ...
• New Jersey Statutes 17B:27A-7.9 Individual health benefits plan to offer coverage for domestic partner.
  53. Every individual health benefits plan that provides hospital or medical expense benefits and is delivered, issued, executed or renewed in this ...
• New Jersey Statutes 17B:27A-7.10 Individual health benefits plan, mammogram examination benefits.
  7. Every individual health benefits plan that is delivered, issued, executed or renewed in this State pursuant to P.L.1992, c.161 (C.17B:27A-2 et ...
• New Jersey Statutes 17B:27A-7.11 Individual health benefits plan, high deductible, deductible inapplicable, certain circumstances.
  14. Notwithstanding the provisions of subsection e. of section 6 of P.L.1992, c.161 (C.17B:27A-7) regarding deductibles for a high deductible health plan, ...
• New Jersey Statutes 17B:27A-7.12 Individual health benefits plan, coverage for prescription female contraceptives.
  7. An individual health benefits plan required pursuant to section 3 of P.L.1992, c.161 (C.17B:27A-4) that provides benefits for expenses incurred in ...
• New Jersey Statutes 17B:27A-7.13 Individual health benefits plans to provide benefits for orthotic and prosthetic appliances.
  6. a. Every individual health benefits plan that provides hospital or medical expense benefits and is delivered, issued, executed or renewed in this ...
• New Jersey Statutes 17B:27A-7.14 Individual health benefits plan to provide coverage for hearing aids for certain persons aged 15 or younger.
  7. An individual health benefits plan that provides hospital and medical expense benefits and is delivered, issued, executed or renewed in this ...
• New Jersey Statutes 17B:27A-8 Offering of certain coverage not required
  7. a. A health maintenance organization shall not be required to offer coverage to or accept an applicant pursuant to this act if: ...
• New Jersey Statutes 17B:27A-9 Determination of rates.
  8. a. (Deleted by amendment, P.L.2008, c.38). b. The board shall make application on behalf of all carriers for any ...
• New Jersey Statutes 17B:27A-10 New Jersey Individual Health Coverage Program; board of directors.
  9. a. There is created the New Jersey Individual Health Coverage Program. All carriers subject to the provisions of this act shall be ...
• New Jersey Statutes 17B:27A-11 Powers, authority of program, board.
  10. The program shall have the general powers and authority granted under the laws of New Jersey to insurance companies, health service ...
• New Jersey Statutes 17B:27A-12 Procedures for equitable sharing of program losses.
  11. The board shall establish procedures for the equitable sharing of program losses among all members in accordance with their total market ...
• New Jersey Statutes 17B:27A-12.1 Exemption from liability, certain, for HMO formed by UMDNJ.
  2. Notwithstanding the provisions of any statute to the contrary, a health maintenance organization established by the University of Medicine and Dentistry ...
• New Jersey Statutes 17B:27A-13 Statement of net paid losses
  12. a. No later than March 1, 1993, any carrier issuing individual health benefits plans in the State shall file with the board a statement ...
• New Jersey Statutes 17B:27A-14 Determination of disproportionate share of substandard risks
  13. The board shall determine whether any carrier has a disproportionate share of substandard risks insured or enrolled under its individual health benefits plans and ...
• New Jersey Statutes 17B:27A-15 Sale of health benefits plan
  14. A health benefits plan issued pursuant to section 3 of this act may be sold through an insurance producer licensed pursuant to P.L.1987, c.293 ...
• New Jersey Statutes 17B:27A-16 Submission of rate filings by health maintenance organization not required
  15. Notwithstanding the provisions of P.L.1973, c.337 (C.26:2J-1 et seq.) to the contrary, a health maintenance organization shall not be required to submit any rate ...
• New Jersey Statutes 17B:27A-16.1 Board actions subject to provisions of section; "action" defined; procedure
  8. Effective January 1, 1994, all actions adopted by the board shall be subject to the provisions of this section, notwithstanding the provisions of P.L.1968, ...
• New Jersey Statutes 17B:27A-16.2 Adoption of temporary plan of operation
  9. a. The commissioner shall, under the procedures provided pursuant to section 7 of P.L.1993, c.164, adopt a temporary plan of operation prepared pursuant to ...
• New Jersey Statutes 17B:27A-16.3 Purchase of other insurance coverage not required
  10. A carrier shall not require an eligible person to purchase any other insurance coverage, including, but not limited to, life insurance, accident insurance or ...
• New Jersey Statutes 17B:27A-16.4 Adoption of standard claim form
  11. The board, in conjunction with the board of the New Jersey Small Employer Health Benefits Program established pursuant to section 12 of P.L.1992, c.162 ...
• New Jersey Statutes 17B:27A-16.5 Hospital, medical insurance policy renewals; filing of rates.
  5. A domestic mutual insurer which has converted from a health service corporation pursuant to the provisions of sections 2 through 4 ...
• New Jersey Statutes 17B:27A-17 Definitions relative to small employer health benefits plans.
  1. As used in this act: "Actuarial certification" means a written statement by a member of the American Academy of ...
• New Jersey Statutes 17B:27A-18 Providers of health benefits, services subject to provisions of act
  2. Every health insurer, health service corporation, medical service corporation, hospital service corporation, and health maintenance organization licensed or authorized to provide health ...
• New Jersey Statutes 17B:27A-18.1 Provision of benefits to subscriber's child under small employer policy, contract
  9. a. A policy or contract which provides hospital or medical expense benefits under which dependent coverage is available shall not deny coverage ...
• New Jersey Statutes 17B:27A-18.2 Requirements applicable to State Medicaid
  10. A carrier shall not impose requirements on the Division of Medical Assistance and Health Services in the Department of Human Services which ...
• New Jersey Statutes 17B:27A-19 Health benefits plans offered to small employers; exceptions.
  3. a. Except as provided in subsection f. of this section, every small employer carrier shall, as a condition of transacting business in ...
• New Jersey Statutes 17B:27A-19a Small employer carrier, offering of high deductible plan.
  17. A small employer carrier, as a condition of transacting business in this State, may offer, on or after the effective date of ...
• New Jersey Statutes 17B:27A-19.1 Hospital confinement, other supplemental limited benefit insurance plans; requirements
  10. a. A carrier shall not deliver or issue for delivery a hospital confinement or other supplemental limited benefit insurance plan unless the applicant for ...
• New Jersey Statutes 17B:27A-19.2 Coverage for birth and natal care; small employer health policy.
  6. a. Every policy that provides maternity benefits and is delivered, issued, executed or renewed in this State pursuant to P.L.1992, c.162 (C.17B:27A-17 et seq.) ...
• New Jersey Statutes 17B:27A-19.3 Regulations governing rating methodology, calculation of loss ratios
  7. The commissioner, in consultation with the board, shall establish regulations governing the applicable rating methodology and manner in which loss ratios ...
• New Jersey Statutes 17B:27A-19.4 Coverage for minimum inpatient care following mastectomy by small employer health benefits plan
  7. a. Every small employer health benefits plan that provides hospital or medical expense benefits and is delivered, issued, executed or renewed in ...
• New Jersey Statutes 17B:27A-19.5 Applicability of Health Care Quality Act
  23. Notwithstanding the provisions of P.L.1992, c.162 (C.17B:27A-17 et seq.) to the contrary, no policy or contract shall be delivered, issued, executed or ...
• New Jersey Statutes 17B:27A-19.6 Coverage for treatment of inherited metabolic diseases by small employer health benefits plan.
  7. No small employer health benefits plan subject to the provisions of P.L.1992, c.162 (C.17B:27A-17 et seq.) shall be delivered, issued, executed ...
• New Jersey Statutes 17B:27A-19.7 Small employer health benefits plan to provide coverage for biologically-based mental illness.
  7. a. Every small employer health benefits plan that provides hospital or medical expense benefits and is delivered, issued, executed or renewed in ...
• New Jersey Statutes 17B:27A-19.8 Coverage for hemophilia services by small employer plan
  5. Notwithstanding the provisions of P.L.1992, c.162 (C.17B:27A-17 et seq.) to the contrary, no policy or contract shall be delivered, issued, executed ...
• New Jersey Statutes 17B:27A-19.9 Small employer health benefits plan to provide coverage for colorectal cancer screening.
  7. Every small employer health benefits plan that provides hospital or medical expense benefits and is delivered, issued, executed or renewed in ...
• New Jersey Statutes 17B:27A-19.10 Policy, contract issued under C.17B:27A-17 et seq. required to cover certain out-of-network services.
  5. Notwithstanding the provisions of P.L.1992, c.162 (C.17B:27A-17 et seq.) to the contrary, no policy or contract shall be delivered, issued, executed ...
• New Jersey Statutes 17B:27A-19.11 Carrier offering plans pursuant to C.17B:27A-17 et seq. may offer additional plan with certain limited benefits.
  5. In addition to the standard health benefits plans offered by a carrier on the effective date of this act, a carrier ...
• New Jersey Statutes 17B:27A-19.12 Small employer health benefits plan to offer coverage for domestic partner.
  54. Every small employer health benefits plan that provides hospital or medical expense benefits and is delivered, issued, executed or renewed in ...
• New Jersey Statutes 17B:27A-19.13 Small employer health benefits plan, mammogram examination benefits.
  8. Every small employer health benefits plan that is delivered, issued, executed or renewed in this State pursuant to P.L.1992, c.162 (C.17B:27A-17 ...
• New Jersey Statutes 17B:27A-19.14 High deductible health plan, small employer, deductible inapplicable, certain circumstances.
  16. Notwithstanding the provisions of subsection k. of section 3 of P.L.1992, c.162 (C.17B:27A-19) regarding deductibles for a high deductible health plan, a ...
• New Jersey Statutes 17B:27A-19.15 Small employer health benefits plan, coverage for prescription female contraceptives.
  8. A small employer health benefits plan required pursuant to section 3 of P.L.1992, c.162 (C.17B:27A-19) that provides benefits for expenses incurred ...
• New Jersey Statutes 17B:27A-19.16 Coverage for certain dependents until age 31 by small employer health benefits plan.
  5. a. As used in this section, "dependent" means a covered person's child by blood or by law who: (1) ...
• New Jersey Statutes 17B:27A-19.17 Small employer health benefits plans to provide benefits for orthotic and prosthetic appliances.
  7. a. Every small employer health benefits plan that provides hospital or medical expense benefits and is delivered, issued, executed or renewed in ...
• New Jersey Statutes 17B:27A-19.18 Small employer health benefits plan to provide coverage for hearing aids for certain persons aged 15 or younger.
  8. A small employer health benefits plan that provides hospital and medical expense benefits and is delivered, issued, executed or renewed in ...
• New Jersey Statutes 17B:27A-20 Coinsurance, deductibles applicable
  4. Plans required to be offered under this act may be subject to coinsurance and deductibles, which may vary by selected portions of the coverage, ...
• New Jersey Statutes 17B:27A-21 Standard coordination of benefits provisions applicable
  5. Coverage provided pursuant to this act shall be subject to standard coordination of benefits provisions for all persons covered under the policy or contract. ...
• New Jersey Statutes 17B:27A-21.1 Eligibility for enrollment in small employer health benefits plan
  5. Notwithstanding any other provision of law to the contrary, a carrier shall not consider a person's eligibility for medical assistance pursuant ...
• New Jersey Statutes 17B:27A-22 Preexisting condition provisions
  6. a. No health benefits plan subject to this act shall include any provision excluding coverage for a preexisting condition regardless of the ...
• New Jersey Statutes 17B:27A-23 Policies, contracts renewable; exceptions.
  7. Every policy or contract issued to small employers in this State pursuant to P.L.1992, c.162 (C.17B:27A-17 et seq.) shall be renewable ...
• New Jersey Statutes 17B:27A-24 Reasonable specified minimum participation.
  8. Any small employer carrier may require a reasonable specified minimum participation of eligible employees, which shall not exceed 75%, or reasonable ...
• New Jersey Statutes 17B:27A-25 Premium rates; other plan requirements.
  9. a. (1) (Deleted by amendment, P.L.1997, c.146). (2) (Deleted by amendment, P.L.1997, c.146). (3) (a) For ...
• New Jersey Statutes 17B:27A-25.1 Findings, declarations relative to small employer health benefits purchasing alliances
  1. The Legislature finds and declares that: a. Small employers, that is, employers that employ between two and 50 ...
• New Jersey Statutes 17B:27A-25.2 Definitions relative to small employer benefits purchasing alliances
  2. As used in this act: "Board" means a small employer purchasing alliance board of directors provided for in section ...
• New Jersey Statutes 17B:27A-25.3 Small Employer Purchasing Alliance, formation
  3. Any eligible group of small employers may join together, by means of a joint contract under the procedures established by this ...
• New Jersey Statutes 17B:27A-25.4 Board of directors
  4. The purchasing alliance, which may be a corporation, shall be governed by a board of directors, elected by the members of ...
• New Jersey Statutes 17B:27A-25.5 Bylaws, contents
  5. The board shall adopt by-laws for the operation of the purchasing alliance, which shall be effective upon ratification by a two-thirds ...
• New Jersey Statutes 17B:27A-25.6 Further authority of alliance
  6. In addition to the powers authorized under this act, a purchasing alliance shall have the authority to: a. ...
• New Jersey Statutes 17B:27A-25.7 Restrictions on alliances
  7. A purchasing alliance established pursuant to the provisions of this act shall not: a. Purchase health care services, ...
• New Jersey Statutes 17B:27A-25.8 Certificate from alliance to commissioner
  8. a. Within 30 days after its organization, the purchasing alliance board shall file with the commissioner a certificate which shall list the ...
• New Jersey Statutes 17B:27A-25.9 Rules, regulations
  10. The commissioner shall promulgate rules and regulations pursuant to the "Administrative Procedure Act," P.L.1968, c.410 (C.52:14B-1 et seq.) necessary to effectuate the ...
• New Jersey Statutes 17B:27A-26 Health maintenance organization coverage; exceptions
  10. a. No health maintenance organization shall be required to offer coverage or accept applications pursuant to section 3 of this act to ...
• New Jersey Statutes 17B:27A-27 Continued coverage for certain terminated employees, dependents.
  11. a. (1) Every policy or contract issued to a small employer in this State, including, but not limited to, policies or contracts ...
• New Jersey Statutes 17B:27A-28 New Jersey Small Employer Health Benefits Program created
  12. There is created a nonprofit entity to be known as the New Jersey Small Employer Health Benefits Program. All carriers issuing health benefits plan ...
• New Jersey Statutes 17B:27A-29 Meetings, organization of board; terms.
  13. a. Within 60 days of the effective date of this act, the commissioner shall give notice to all members of the time ...
• New Jersey Statutes 17B:27A-29.1 Immunity from liability for board
  11. A member of the board and an employee of the board shall not be liable in an action for damages to ...
• New Jersey Statutes 17B:27A-29.2 Rules, regulations for voluntary risk pooling arrangement
  12. The board may, if necessary, adopt rules and regulations pursuant to the "Administrative Procedure Act," P.L.1968, c.410 (C.52:14B-1 et seq.) to ...
• New Jersey Statutes 17B:27A-30 Submission of plan of operation
  14. Within 90 days after the election of the initial board, the board shall submit to the commissioner a plan of operation which shall establish ...
• New Jersey Statutes 17B:27A-31 Contents of plan of operation
  15. The plan of operation shall constitute a public record and shall include, but not be limited to, the following: ...
• New Jersey Statutes 17B:27A-32 Authority of board
  16. The board shall have the authority to: a. Enter into contracts as are necessary or proper ...
• New Jersey Statutes 17B:27A-33 Formulation of five health benefits plans
  17. Subject to the approval of the commissioner, the board shall formulate the five health benefits plans to be made available by small ...
• New Jersey Statutes 17B:27A-41 Violations, penalty
  25. Any carrier which violates this act shall be subject to a penalty assessment, as determined by the commissioner. ...
• New Jersey Statutes 17B:27A-43 Violations, penalties
  27. A carrier which violates any provision of this act shall be liable to a penalty of not less than $2,000 and not greater than ...
• New Jersey Statutes 17B:27A-44 Assessments not charged to policyholders, public
  28. No assessment provided for under this act shall be charged, directly or indirectly, to policyholders or the public, provided that a carrier may charge ...
• New Jersey Statutes 17B:27A-47 Coverage obtained through out-of-State trust, compliance required
  12. Group hospital or medical coverage obtained through an out-of-State trust covering a group of 49 or fewer employees or participating persons who are residents ...
• New Jersey Statutes 17B:27A-48 Multiple employer arrangement; requirements
  13. A multiple employer arrangement covering a group of 49 or fewer employees or participating persons of an individual employer who are residents of this ...
• New Jersey Statutes 17B:27A-49 Notification to commissioner by carrier of multiple employer arrangement
  14. A carrier shall notify the commissioner by December 31 of each year of any health care coverage or benefits, stop-loss coverage or administrative services ...
• New Jersey Statutes 17B:27A-50 Change of coverage by small employer; restrictions
  15. a. A small employer who purchases a health benefits plan or rider pursuant to P.L.1992, c.162 (C.17B:27A-17 et seq.) shall not be permitted to ...
• New Jersey Statutes 17B:27A-51 Board actions subject to provisions of section; "action" defined; procedure
  17. Effective January 1, 1994, all actions adopted by the board shall be subject to the provisions of this section, notwithstanding the provisions of P.L.1968, ...
• New Jersey Statutes 17B:27A-53 Other insurance purchases not required
  21. A carrier shall not require a small employer to purchase any other insurance coverage, including, but not limited to, life insurance, accident insurance or ...
• New Jersey Statutes 17B:27A-54 Commissioner authorized to approve establishment of arrangement; rules, regulations
  22. Notwithstanding any other law to the contrary, the commissioner is authorized to approve the establishment of an arrangement by an insurance company operating pursuant ...
• New Jersey Statutes 17B:27A-55 Written notice required for issuance, renewal of high deductible health plan; declaration of understanding.
  18. a. An insurance company, health service corporation, hospital service corporation, medical service corporation or health maintenance organization authorized to issue health benefits ...
• New Jersey Statutes 17B:27A-56 Provision of biannual surveys to DOBI by health insurers.
  19. a. Any health insurer, as a condition of transacting business in this State, offering a contract, policy, or plan that qualifies as ...
• New Jersey Statutes 17B:27B-1 Definitions relative to third party administrators, billing services.
  1. As used in this act: "Benefits payer" means an insurer authorized to issue health or dental benefits plans in ...
• New Jersey Statutes 17B:27B-2 Licensure, registration required for third party administrators.
  2. a. On or after January 1, 2002, no person shall act as, offer to act as, or hold himself out to be, ...
• New Jersey Statutes 17B:27B-3 Additional information required for licensure, registration.
  3. In addition to the information required by section 2 of this act, the applicant for licensure or registration shall file with ...
• New Jersey Statutes 17B:27B-4 Issuance of license, approval of application for registration.
  4. The commissioner may issue a license to an applicant or approve an application for registration as a third party administrator if ...
• New Jersey Statutes 17B:27B-5 Denial of license, registration.
  5. The commissioner may deny an application for licensure or registration as a third party administrator if he finds that any of ...
• New Jersey Statutes 17B:27B-6 Provisions of written agreement; requirements.
  6. A third party administrator shall not conduct any business with a benefits payer in the absence of a written agreement between ...
• New Jersey Statutes 17B:27B-7 Access to books, records.
  7. a. The commissioner shall have access to all books and records of a third party administrator for the purposes of examination, audit ...
• New Jersey Statutes 17B:27B-8 Payment to third party administrators not based solely on claims denials.
  8. If a third party administrator adjudicates claims under a health benefits plan, the commissions, fees or charges that the benefits payer ...
• New Jersey Statutes 17B:27B-9 Fiduciary responsibility of third party administrators.
  9. a. A third party administrator shall be deemed to act in a fiduciary capacity on behalf of the benefits payer in the ...
• New Jersey Statutes 17B:27B-10 Separate accounts for funds remitted.
  10. All funds remitted to an administrator by a benefits payer licensed or authorized to do business in this State shall be held ...
• New Jersey Statutes 17B:27B-11 Prompt delivery of communications to enrollees.
  11. Any policies, certificates, booklets, termination notices or other written communications delivered by the benefits payer to the third party administrator for delivery ...
• New Jersey Statutes 17B:27B-12 Notification of material changes to commissioner.
  12. A third party administrator shall immediately notify the commissioner of any material change in its ownership, control or other fact or circumstance ...
• New Jersey Statutes 17B:27B-13 Annual reports.
  13. A third party administrator shall file an annual report for the preceding calendar year with the commissioner on or before March 1 ...
• New Jersey Statutes 17B:27B-14 Suspension, revocation of license, registration.
  14. The commissioner may suspend or revoke a license or registration issued pursuant to this act if he finds that the third party ...
• New Jersey Statutes 17B:27B-15 Immediate suspension of license, registration, grounds.
  15. The commissioner may, without advance notice or hearing, immediately suspend the license or registration of a third party administrator if he finds ...
• New Jersey Statutes 17B:27B-16 Certification required for third party billing services.
  16. On or after January 1, 2002, no person shall act as, offer to act as or hold himself out to be a ...
• New Jersey Statutes 17B:27B-17 Additional information to be filed by third party billing services.
  17. In addition to the information otherwise required by this act or by the commissioner, a third party billing service shall file with ...
• New Jersey Statutes 17B:27B-18 Approval of applications for certification.
  18. The commissioner may approve an application for certification as a third party billing service if he finds that the applicant meets the ...
• New Jersey Statutes 17B:27B-19 Denial of applications for certification.
  19. The commissioner may deny an application for certification as a third party billing service if he finds that any of the standards ...
• New Jersey Statutes 17B:27B-20 Written agreements required for conducting business as third party billing service.
  20. A third party billing service shall not conduct any business with a client in the absence of a written agreement between the ...
• New Jersey Statutes 17B:27B-21 Fiduciary responsibility of third party billing services.
  21. A third party billing service that accepts monies from health benefits payers on behalf of a client shall be deemed to act ...
• New Jersey Statutes 17B:27B-22 Notification of material changes to commissioner.
  22. a. A third party billing service shall immediately notify the commissioner of any material change in its ownership, control, or other fact ...
• New Jersey Statutes 17B:27B-23 Suspension, revocation of certification.
  23. The commissioner may suspend or revoke a certification issued pursuant to this act if he finds that the third party billing service: ...
• New Jersey Statutes 17B:27B-24 Violations, penalties.
  24. The commissioner may, upon notice and hearing, assess a civil administrative penalty in an amount not less than $250 nor more than ...
• New Jersey Statutes 17B:27B-25 Rules, regulations.
  25. The commissioner shall adopt rules and regulations pursuant to the "Administrative Procedure Act," P.L.1968, c.410 (C.52:14B-1 et seq.) to carry out the ...
• New Jersey Statutes 17B:27C-1 Short title.
  1. This act shall be known and may be cited as the "Self-Funded Multiple Employer Welfare Arrangement Regulation Act." L.2001,c.352,s.1. ...
• New Jersey Statutes 17B:27C-2 Purposes of act.
  2. The purposes of this act are to: a. provide for the registration of self-funded or partially self-funded multiple ...
• New Jersey Statutes 17B:27C-3 Definitions relative to self-funded multiple employer welfare arrangements.
  3. For purposes of this act: "Association" means a group of 100 or more persons organized and maintained in good ...
• New Jersey Statutes 17B:27C-4 Annual registration, fee.
  4. A self-funded multiple employer welfare arrangement shall register annually with the commissioner and pay a registration fee established by the commissioner ...
• New Jersey Statutes 17B:27C-5 Deposit, maintenance of cash, securities.
  5. a. A self-funded multiple employer welfare arrangement shall deposit and continuously maintain with a financial institution licensed in this State, cash or ...
• New Jersey Statutes 17B:27C-6 Required filings.
  6. Each self-funded multiple employer welfare arrangement shall file all of the following with the commissioner: a. No later ...
• New Jersey Statutes 17B:27C-7 Liability of members.
  7. a. The liability of each member for the obligations of the self-funded multiple employer welfare arrangement shall be individual, several and proportionate, ...
• New Jersey Statutes 17B:27C-8 Inapplicability of insurance laws.
  8. a. Except as provided by this act, the insurance laws of this State do not apply to the operation of self-funded multiple ...
• New Jersey Statutes 17B:27C-9 Examination of loss reserves.
  9. a. The commissioner may, upon reasonable notice, conduct an examination of the loss reserves of a self-funded multiple employer welfare arrangement as ...
• New Jersey Statutes 17B:27C-10 Revocation, suspension of certificate of registration; violations, penalties.
  10. a. The commissioner may revoke or suspend the certificate of registration of any self-funded multiple employer welfare arrangement that fails to correct ...
• New Jersey Statutes 17B:27C-11 Rehabilitation, liquidation, conservation, dissolution.
  11. Any rehabilitation, liquidation, conservation or dissolution of a self-funded multiple employer welfare arrangement shall be conducted under the supervision of the ...
• New Jersey Statutes 17B:27C-12 Rules, regulations.
  12. The commissioner, in accordance with the "Administrative Procedure Act," P.L.1968, c.410 (C.52:14B-1 et seq.), may adopt rules and regulations necessary to ...
• New Jersey Statutes 17B:27D-1 Findings, declarations relative to mandated health benefits
  1. The Legislature finds and declares that: a. Health benefits coverage, while providing important protection for individuals, is costly ...
• New Jersey Statutes 17B:27D-2 Definitions relative to mandated health benefits
  2. As used in this act: "Carrier" means an insurance company, health service corporation, hospital service corporation, medical service corporation ...
• New Jersey Statutes 17B:27D-3 Mandated Health Benefits Advisory Commission
  3. There is established the Mandated Health Benefits Advisory Commission to study the social, financial and medical impact of proposed mandated health ...
• New Jersey Statutes 17B:27D-4 Membership; terms; vacancies
  4. The commission shall consist of 17 voting members as follows: the Commissioners of Health and Senior Services, Human Services and Banking ...
• New Jersey Statutes 17B:27D-5 Election of chairman, vice chairman, appointment of secretary; meetings
  5. a. The commission shall organize and hold its first meeting within 90 days after the appointment of its members and shall elect ...
• New Jersey Statutes 17B:27D-6 Duties of commission relative to review of bills
  6. It shall be the duty of the commission to review any bill introduced in either House of the Legislature that would ...
• New Jersey Statutes 17B:27D-7 Contents of review of bill
  7. The review of a bill containing a proposed mandated health benefit by the commission shall include the following: a. ...
• New Jersey Statutes 17B:27D-8 Development of system of data collection; review, comment
  8. In the course of studying and evaluating proposed mandated health benefits, the commission shall: a. develop criteria for ...
• New Jersey Statutes 17B:27D-9 Report to Governor, Legislature
  9. The commission shall report to the Governor and Legislature three years from the effective date of this act on its activities. ...
• New Jersey Statutes 17B:27E-1 Purpose of act on long-term care insurance
  1. The purpose of this act is to promote the public interest, to promote the availability of long-term care insurance policies, to ...
• New Jersey Statutes 17B:27E-2 Application of act
  2. The requirements of this act shall apply to policies delivered or issued for delivery in this State on or after the ...
• New Jersey Statutes 17B:27E-3 Short title
  3. This act shall be known and may be cited as the "New Jersey Long-Term Care Insurance Act." L.2003,c.207,s.3. ...
• New Jersey Statutes 17B:27E-4 Definitions relative to regulation of long-term care insurance
  4. As used in this act, unless the context requires otherwise: "Applicant" means: (1) In the case ...
• New Jersey Statutes 17B:27E-5 Compliance required
  5. a. Any policy, certificate or rider advertised, marketed or offered as long-term care insurance shall comply with the provisions of this act. ...
• New Jersey Statutes 17B:27E-6 Prohibitions relative to long-term care insurance
  6. a. No long-term care insurance policy or certificate shall: (1) Be cancelled, nonrenewed or otherwise terminated on the grounds ...
• New Jersey Statutes 17B:27E-7 Grounds for rescinding policy, denying a claim
  7. a. For a policy or certificate that has been in force for less than six months, an insurer may rescind a long-term ...
• New Jersey Statutes 17B:27E-8 Conditions for delivery, issuance of policy
  8. a. Except as provided in subsection b. of this section, a long-term care insurance policy shall not be delivered or issued for ...
• New Jersey Statutes 17B:27E-9 Regulations
  9. The commissioner shall promulgate regulations, pursuant to the "Administrative Procedure Act," P.L.1968, c.410 (C.52:14B-1 et seq.), necessary to effectuate the purposes ...
• New Jersey Statutes 17B:27E-10 Prior approval of commissioner required
  10. a. Every long-term care insurance policy or contract, including any application, certificate, rider or endorsement to be issued or delivered in this ...
• New Jersey Statutes 17B:27E-11 Insurer to file rates, rating schedule, supporting documentation
  11. An insurer providing long-term care insurance issued on an individual basis in this State shall file, for the commissioner's approval, its rates, ...
• New Jersey Statutes 17B:27E-12 Additional penalties
  12. In addition to any other penalties provided by the laws of this State, any insurer and any insurance producer found to have ...
• New Jersey Statutes 17B:28-1 Definition
  When used in this chapter, the following terms shall have the following respective meanings: a. "Separate account contract" means any contract issued by an insurer ...
• New Jersey Statutes 17B:28-2 Qualification of insurer
  No present or future domestic insurer shall undertake the issuance of any contract on a variable basis, and no foreign or alien insurer heretofore or ...
• New Jersey Statutes 17B:28-3 Certificate to sell
  17B:28-3. a. No agent or solicitor employed by an agent heretofore or hereafter licensed shall be authorized to sell or act or aid in any ...
• New Jersey Statutes 17B:28-4 Required statements; procedure
  Any contract on a variable basis delivered or issued for delivery in this State, and any certificate evidencing variable benefits issued pursuant to any such ...
• New Jersey Statutes 17B:28-5 Form of contract
  17B:28-5. (a) No contract on a variable basis shall be delivered or issued for delivery in this State by any insurer until a copy of ...
• New Jersey Statutes 17B:28-6 Administration
  Any insurer maintaining one or more separate accounts shall submit annually to the commissioner a report of the business of its separate accounts. Such report ...
• New Jersey Statutes 17B:28-7 Separate accounts; approval by commissioner
  17B:28-7. Separate accounts; approval by commissioner. Any present or future domestic insurer shall have authority to establish and operate one or more separate accounts and ...
• New Jersey Statutes 17B:28-8 Amounts placed in account; liabilities
  Except as may be otherwise specifically provided by the contract, all amounts with respect to any contract on a variable basis shall be placed in ...
• New Jersey Statutes 17B:28-9 Investment of assets; eligibility; definition
  17B:28-9. Investment of assets; eligibility; definition. a. The assets held in a separate account, or any part thereof, may be invested in: (i) Common stock ...
• New Jersey Statutes 17B:28-10 Valuation of assets
  Except as the commissioner may require or permit a different basis of valuation, the valuation of separate account assets for all purposes, including annual reports ...
• New Jersey Statutes 17B:28-11 Reserve liability
  The reserve liability for contracts on a variable basis shall be established by the commissioner pursuant to the requirements of section 17B:19-8 (the Standard Valuation ...
• New Jersey Statutes 17B:28-12 Annuities
  Any insurer which establishes one or more variable contract accounts and issues variable annuity contracts may in its discretion, but need not, require in any ...
• New Jersey Statutes 17B:28-14 Regulation of separate account contracts, insurers issuing the same and sales agents
  The commissioner shall have the sole and exclusive authority to regulate the issuance and sale of separate account contracts; and such contracts, the insurers which ...
• New Jersey Statutes 17B:28-15 Application to separate accounts and separate account contracts of Title 17B; required provisions for variable life insurance contracts
  Except for N.J.S. 17B:25-3, 17B:25-8, 17B:25-9, 17B:25-13, 17B:25-19 and 17B:27-11, in the case of a variable life insurance policy and except as otherwise provided in ...
• New Jersey Statutes 17B:28A-1 Insurance against risk of loss in value of redeemable securities issued by investment company
  A domestic insurer authorized to do the business specified in N.J.S. 17B:17-3 may issue and deliver individual and group policies insuring against the risk of ...
• New Jersey Statutes 17B:28A-2 Limitation on benefit and protection
  Except with the approval of the commissioner and under such conditions as he may prescribe, the benefit provided by such insurance may not exceed the ...
• New Jersey Statutes 17B:28A-3 Undertaking or continuance; approval of commissioner; rules and regulations
  No domestic insurer shall undertake or continue the issuance of any such insurance unless the commissioner is satisfied that the condition or methods of operation ...
• New Jersey Statutes 17B:28A-4 Form of policy; submission to commissioner
  No policy providing investment return assurance shall be issued or delivered in this State until a copy of the form thereof is submitted to the ...
• New Jersey Statutes 17B:28A-5 Foreign or alien insurers; conditions for qualification to issue
  No foreign or alien company shall deliver or issue for delivery within this State any policy of investment return assurance unless it is licensed to ...
• New Jersey Statutes 17B:28A-6 Rules and regulations
  The commissioner shall make appropriate further rules and regulations for the protection of policyholders and the public, including requirements for nonforfeiture benefits where appropriate, and ...
• New Jersey Statutes 17B:29-1 Scope; differences in long-term and short-term indebtedness; rules and regulations
  All life insurance and all health insurance in connection with loans or other credit transactions shall be subject to the provisions of this chapter, except ...
• New Jersey Statutes 17B:29-2 Definitions
  a. "Credit life insurance" means insurance on the life of a debtor pursuant to or in connection with a specific loan or other credit transaction; ...
• New Jersey Statutes 17B:29-3 Forms of credit life insurance and credit health insurance
  Credit life insurance and credit health insurance shall be issued only in the following forms: a. Individual policies of life insurance issued to debtors on ...
• New Jersey Statutes 17B:29-3.1 Insurance offered with credit involuntary unemployment insurance
  1. a. The individual and group coverages permitted by N.J.S.17B:29-3 may be offered in combination with credit involuntary unemployment insurance, credit personal property ...
• New Jersey Statutes 17B:29-4 Amount of credit life insurance and credit health insurance
  a. Credit Life Insurance (1) The initial amount of credit life insurance shall not exceed the total amount repayable under the contract of indebtedness and, ...
• New Jersey Statutes 17B:29-5 Term of credit life insurance and credit health insurance
  The term of any credit life insurance or credit health insurance shall, subject to acceptance by the insurer, commence on the date when the debtor ...
• New Jersey Statutes 17B:29-6 Provisions of policies and certificates of insurance: disclosure to debtors
  a. All credit life insurance and credit health insurance sold shall be evidenced by an individual policy, or in the case of group insurance by ...
• New Jersey Statutes 17B:29-7 Filing of forms; premium rate schedules
  17B:29-7. a. All forms of policies, certificates of insurance, notice of proposed insurance, applications for insurance, endorsements and riders delivered or issued for delivery in ...
• New Jersey Statutes 17B:29-8 Premiums and refunds
  a. Any insurer may revise its schedules of premium rates from time to time, and shall file such revised schedules with the commissioner. No insurer ...
• New Jersey Statutes 17B:29-9 Issuance of policies
  All policies of credit life insurance and credit health insurance shall be delivered or issued for delivery in this State only by an insurer authorized ...
• New Jersey Statutes 17B:29-10 Claims
  a. All claims shall be promptly reported to the insurer or its designated claim representative, and the insurer shall maintain adequate claim files. All claims ...
• New Jersey Statutes 17B:29-11 Existing insurance--choice of insurer
  When credit life insurance or credit health insurance is required as additional security for any indebtedness, the debtor shall, upon request to the creditor, have ...
• New Jersey Statutes 17B:29-12 Enforcement
  Whenever the commissioner finds that there has been a violation of this chapter or any rules or regulations issued pursuant thereto, and after written notice ...
• New Jersey Statutes 17B:29-13 Judicial review
  Any party to the proceeding affected by an order of the commissioner shall be entitled to judicial review by following the procedure set forth in ...
• New Jersey Statutes 17B:30-1 Declaration of purpose
  The principal purpose of chapter 30 is to regulate trade practices in the business of life insurance, health insurance and annuities in accordance with the ...
• New Jersey Statutes 17B:30-2 Practices prohibited
  No person shall engage in this State in any trade practice which is defined in this chapter as or determined pursuant to this chapter to ...
• New Jersey Statutes 17B:30-3 Misrepresentations and false advertising of policies or annuity contracts
  No person shall make, issue, circulate or cause to be made, issued or circulated, any estimate, illustration, circular or statement misrepresenting the terms of any ...
• New Jersey Statutes 17B:30-4 False information and advertising
  No person shall make, publish, disseminate, circulate, or place before the public, or cause, directly or indirectly, to be made, published, disseminated, circulated, or placed ...
• New Jersey Statutes 17B:30-5 False financial statements
  a. No person shall file with any supervisory or other public official, or make, publish, disseminate, circulate or deliver to any person, or place before ...
• New Jersey Statutes 17B:30-6 "Twisting" prohibited
  No person shall make any misleading representations or incomplete or fraudulent comparison of any insurance policies or annuity contracts or insurers for the purpose of ...
• New Jersey Statutes 17B:30-7 Defamation
  No person shall make, publish, disseminate, or circulate, directly or indirectly, or aid, abet or encourage the making, publishing, disseminating or circulating of any oral ...
• New Jersey Statutes 17B:30-8 Boycott, coercion and intimidation
  No person or persons shall enter into any agreement to commit, or by any concerted action commit, any act of boycott, coercion or intimidation resulting ...
• New Jersey Statutes 17B:30-9 Stock operations and advisory board contracts
  No person shall issue or deliver or permit agents, officers, or employees to issue or deliver, agency company stock or other capital stock, or benefit ...
• New Jersey Statutes 17B:30-10 Stock acquisition, common management
  No insurer shall retain, invest in or acquire the whole or any part of the capital stock of any other insurer or insurers, or have ...
• New Jersey Statutes 17B:30-11 Interlocking directorate
  No person shall be a director of 2 or more competing insurers so as to substantially lessen competition generally in the business of insurance or ...
• New Jersey Statutes 17B:30-12 Discrimination prohibited; terms defined.
  17B:30-12. a. No person shall discriminate against any person or group of persons because of race, creed, color, national origin or ancestry of ...
• New Jersey Statutes 17B:30-13 Rebates and special inducements
  Except as otherwise expressly provided by law, no person shall knowingly make, permit to be made or offer to make any contract of life insurance, ...
• New Jersey Statutes 17B:30-13.1 Unfair claim settlement practices
  No person shall engage in unfair claim settlement practices in this State. Unfair claim settlement practices which shall be unfair practices as defined in N.J.S. ...
• New Jersey Statutes 17B:30-13.2 Record of complaints
  Failure of any person to maintain a complete record of all the complaints which it has received since the date of its last examination shall ...
• New Jersey Statutes 17B:30-14 Exceptions to discrimination and rebates
  Nothing in sections 17B:30-12 or 17B:30-13 shall be construed as including within the definition of discrimination or rebates any of the following practices: a. In ...
• New Jersey Statutes 17B:30-15 Enumeration of acts not exclusive
  The enumeration in this chapter of specific unfair methods of competition and unfair or deceptive acts and practices in the business of insurance or annuities ...
• New Jersey Statutes 17B:30-16 Commissioner's powers of investigation
  The commissioner shall have power to examine and investigate into the affairs of every person acting as an insurer or engaged in the business of ...
• New Jersey Statutes 17B:30-17 Desist orders for prohibited practices; penalty
  a. If the commissioner has reason to believe that any person has been engaged or is engaging in this State in any unfair method of ...
• New Jersey Statutes 17B:30-18 Procedures as to undefined practices
  Whenever the commissioner shall have reason to believe that any person engaged in the business of insurance or annuities is engaging in this State in ...
• New Jersey Statutes 17B:30-19 Appeal by intervenor
  If the determination of the commissioner does not charge a violation of this chapter, then any intervenor in the proceedings before him may, within 30 ...
• New Jersey Statutes 17B:30-20 Violation of cease and desist order; penalty
  Any person who violates a cease and desist order of the commissioner issued under this chapter shall be liable to a penalty not exceeding $5,000.00 ...
• New Jersey Statutes 17B:30-21 Provisions of chapter additional to existing laws
  The powers vested in the commissioner by this chapter shall be additional to any other powers to enforce any penalties, fines or forfeitures authorized by ...
• New Jersey Statutes 17B:30-22 Immunity from prosecution
  If any person shall ask to be excused from testifying or from producing any books, papers, records, correspondence or other documents at any hearing on ...
• New Jersey Statutes 17B:30-24 Regulations.
  15. The Commissioner of Banking and Insurance, in consultation with the Commissioner of Health and Senior Services, shall adopt regulations to effectuate the ...
• New Jersey Statutes 17B:30-25 Thomas A. Edison State College to study, monitor effectiveness of electronic data interchange technology, electronic health records.
  16. Thomas A. Edison State College shall study and monitor the effectiveness of electronic data interchange technology and electronic health records in ...
• New Jersey Statutes 17B:30-26 Definitions relative to payment of health and dental insurance plans.
  1. As used in this act: "Capitation payment" means a periodic payment to a health care provider for his services ...
• New Jersey Statutes 17B:30-27 Applicability.
  2. The provisions of this act shall apply only to insured health benefits or dental plans and insured claims submitted to payers. ...
• New Jersey Statutes 17B:30-28 Provision of information.
  3. A payer shall, at the request of a covered person, that person's agent, or an eligible health care provider, provide ...
• New Jersey Statutes 17B:30-29 Provision of toll-free telephone number.
  4. A payer shall provide covered persons and eligible health care providers with a toll-free telephone number for making inquiries regarding paid ...
• New Jersey Statutes 17B:30-30 Maintenance of claims records; audit required.
  5. a. A payer shall maintain a record which shall be audited by a private auditing firm at the expense of the payer, ...
• New Jersey Statutes 17B:30-31 Additional record of claims.
  6. a. In addition to the annual audit required by section 5 of this act, the payer shall maintain and report to the ...
• New Jersey Statutes 17B:30-32 Overdue capitation payment.
  7. a. Payment of a capitation payment to a health care provider shall be deemed to be overdue if not remitted to the ...
• New Jersey Statutes 17B:30-33 Regulations.
  8. No later than 180 days following the date of enactment of this act, the commissioner shall adopt regulations pursuant to the ...
• New Jersey Statutes 17B:30-34 Inapplicability of act.
  9. The provisions of this act shall not apply to any payer determined by the commissioner to be impaired, to be subject ...
• New Jersey Statutes 17B:30-35 Definitions relative to standardized pharmacy identification cards
  1. As used in this act: "Carrier" means an insurance company, health service corporation, hospital service corporation, medical service corporation ...
• New Jersey Statutes 17B:30-36 Issuance of standardized pharmacy identification information, card to primary insured
  2. a. A carrier, multiple employer welfare arrangement or other health benefits plan provider, or its agents, contractors or administrators, including but not ...
• New Jersey Statutes 17B:30-37 Exceptions for issuance of card
  3. a. A carrier, multiple employer welfare arrangement or other health benefits plan provider shall not be required to issue a pharmacy identification ...
• New Jersey Statutes 17B:30-38 Provision of new pharmacy identification card
  4. A carrier, multiple employer welfare arrangement or other health benefits plan provider shall provide each primary insured with a new pharmacy ...
• New Jersey Statutes 17B:30-39 Rules, regulations
  5. The Commissioner of Banking and Insurance shall adopt rules and regulations pursuant to the "Administrative Procedure Act," P.L.1968, c.410 (C.52:14B-1 et ...
• New Jersey Statutes 17B:30-41 Findings, declarations relative to collection of unpaid hospital accounts.
  1. The Legislature finds and declares that: a. The rising cost of hospital-based health care in this State impedes ...
• New Jersey Statutes 17B:30-42 Definitions relative to collection of unpaid hospital accounts.
  2. As used in this act: "Coinsurance" means the percentage of a charge covered by a health plan that must ...
• New Jersey Statutes 17B:30-43 "Hospital Care Payment Commission."
  3. a. There is established, within the Department of Banking and Insurance, a "Hospital Care Payment Commission." The commission is constituted as an ...
• New Jersey Statutes 17B:30-44 "New Jersey Hospital Care Payment Fund."
  4. a. There is established the "New Jersey Hospital Care Payment Fund" in the Department of the Treasury. b. The ...
• New Jersey Statutes 17B:30-45 Authority of commission.
  5. The commission is authorized to: a. Accept assignment of debts from hospitals which have followed the procedures outlined ...
• New Jersey Statutes 17B:30-46 Decisions of commission constitute final agency action.
  6. Decisions of the commission, regarding the fairness formula, the validity of debts, the adequacy of data provided to the commission by ...
• New Jersey Statutes 17B:30-47 Procedures for participating hospitals.
  7. a. The following procedures shall apply for those hospitals that wish to participate in the voluntary assignment program created by this act. ...
• New Jersey Statutes 17B:30-48 Short title.
  1. This act shall be known and may be cited as the "Health Claims Authorization, Processing and Payment Act." L.2005,c.352,s.1. ...
• New Jersey Statutes 17B:30-49 Findings, declarations relative to processing health claims.
  2. The Legislature finds and declares that: a. Health care services available under health benefits plans must be promptly ...
• New Jersey Statutes 17B:30-50 Definitions relative to processing health claims.
  3. As used in sections 3 through 7 of P.L.2005, c.352 (C.17B:30-50 through C.17B:30-54): "Authorization" means a determination required under ...
• New Jersey Statutes 17B:30-51 Information required from payer.
  4. a. A payer shall provide the following information concerning utilization management and the processing and payment of claims in a clear and ...
• New Jersey Statutes 17B:30-52 Response by payer to request for authorization of health care services.
  5. a. A payer shall respond to a hospital or physician request for authorization of health care services by either approving or denying ...
• New Jersey Statutes 17B:30-53 Reimbursement for covered services, conditions.
  6. a. When a hospital or physician complies with the provisions set forth in section 5 of P.L.2005, c.352 (C.17B:30-52), no payer, or ...
• New Jersey Statutes 17B:30-54 Reimbursement according to provider contract.
  7. A payer, or payer's agent, shall reimburse a hospital or physician according to the provider contract for all medically necessary emergency ...
• New Jersey Statutes 17B:30-55 Violations, penalties; rules, regulations.
  17. a. The Commissioner of Banking and Insurance shall enforce the provisions of sections 2 through 7 of P.L.2005, c.352 (C17B:30-49 through C.17B:30-54) ...
• New Jersey Statutes 17B:30-56 Rules, regulations.
  20. The Commissioner of Banking and Insurance shall promulgate rules and regulations pursuant to the "Administrative Procedure Act," P.L.1968, c.410 (C.52:14B-1 et ...
• New Jersey Statutes 17B:30-57 Liberal construction.
  21. This act shall be liberally construed to effectuate the legislative purposes of the act. L.2005,c.352,s.21. ...
• New Jersey Statutes 17B:30-58 Definitions relative to reimbursement for certain ambulance services.
  1. As used in this act: "Ambulance service" means the provision of emergency health care services, basic life support services, ...
• New Jersey Statutes 17B:30-59 Assignment of benefits to service provider of right to receive reimbursement for ambulance service.
  2. a. Notwithstanding any provision of law to the contrary, a covered person may, through an assignment of benefits, assign to a service ...
• New Jersey Statutes 17B:30B-1 Short title.
  1. This act shall be known and may be cited as the "Viatical Settlements Act." L.2005,c.229,s.1. ...
• New Jersey Statutes 17B:30B-2 Definitions relative to viatical settlements.
  2. As used in this act: "Advertising" means any written, electronic or printed communication or any communication by means of ...
• New Jersey Statutes 17B:30B-3 License to operate as viatical settlement provider.
  3. a. A person shall not operate as a viatical settlement provider without first obtaining a license from the commissioner of the state ...
• New Jersey Statutes 17B:30B-4 Refusal to issue, suspension, revocation, refusal to renew license.
  4. a. The commissioner may refuse to issue, suspend, revoke or refuse to renew the license of a viatical settlement provider, if the ...
• New Jersey Statutes 17B:30B-5 Approval of viatical settlement forms by commissioner.
  5. A person shall not use a viatical settlement contract form or provide a disclosure statement or application form to a viator ...
• New Jersey Statutes 17B:30B-6 Filing of annual statement.
  6. a. Each viatical settlement provider licensee shall file with the commissioner on or before March 1 of each year an annual statement ...
• New Jersey Statutes 17B:30B-7 Examinations of licensees by commissioner.
  7. a. (1) The commissioner may conduct an examination of a licensee under this act as often as the commissioner, in his sole ...
• New Jersey Statutes 17B:30B-8 Disclosures to viator, procedure.
  8. a. With each application for a viatical settlement, a viatical settlement provider or life insurance producer shall provide the viator with at ...
• New Jersey Statutes 17B:30B-9 Material required prior to entering into viatical settlement contract.
  9. a. (1) A viatical settlement provider entering into a viatical settlement contract shall first obtain: (a) If the viator ...
• New Jersey Statutes 17B:30B-10 Two-year period required between issuance of policy and viatical settlement; exceptions.
  10. a. It is a violation of this act for any person to enter into a viatical settlement contract within a two-year period ...
• New Jersey Statutes 17B:30B-11 Advertisement of viatical settlement contracts; guidelines, standards.
  11. The purpose of this section is to provide prospective viators with clear and unambiguous statements in the advertisement of viatical settlement ...
• New Jersey Statutes 17B:30B-12 Fraudulent viatical settlement acts, prohibited, reporting, investigation, prosecution.
  12. a. A person shall not commit a fraudulent viatical settlement act as defined in section 2 of this act. b. ...
• New Jersey Statutes 17B:30B-13 Injunction in addition to penalties, enforcement provisions.
  13. a. In addition to the penalties and other enforcement provisions of this act, if any person violates this act or any regulation ...
• New Jersey Statutes 17B:30B-14 Violation considered unfair trade practice; penalties.
  14. A violation of this act shall be considered an unfair trade practice pursuant to N.J.S.17B:30-1 et seq. and shall be subject ...
• New Jersey Statutes 17B:30B-15 Regulations, authority of commissioner.
  15. The commissioner shall have the authority to promulgate regulations implementing the provisions of this act pursuant to the "Administrative Procedure Act," ...
• New Jersey Statutes 17B:30B-16 Construction of act with Uniform Securities Law.
  16. Nothing in this act shall be construed to preempt or otherwise limit the provisions of the "Uniform Securities Law (1967)," P.L.1967, ...
• New Jersey Statutes 17B:30B-17 Continuation of negotiating viatical settlements, certain circumstances prior to act.
  17. a. Notwithstanding the provisions of sections 1 through 16 of this act, a person who has lawfully negotiated viatical settlement contracts between ...
• New Jersey Statutes 17B:32-31 Short title, purpose of act
  1. a. This act shall be known and may be cited as the "Life and Health Insurers Rehabilitation and Liquidation Act." b. The purpose of ...
• New Jersey Statutes 17B:32-32 Application of authorized proceedings
  2. The proceedings authorized by this act shall be applied to: a. All insurers who are doing, or have done, insurance business in this State, ...
• New Jersey Statutes 17B:32-33 Definitions
  3. For the purposes of this act: "Ancillary state" means any state other than a domiciliary state. "Commissioner" means the Commissioner of Insurance of this ...
• New Jersey Statutes 17B:32-34 Jurisdiction over delinquency proceedings
  4. a. No delinquency proceeding shall be commenced under this act by anyone other than the commissioner and no court shall have jurisdiction to entertain, ...
• New Jersey Statutes 17B:32-35 Restraining orders, injunctions
  5. a. Any receiver appointed in a proceeding under this act may at any time apply for, and the Superior Court may grant, such restraining ...
• New Jersey Statutes 17B:32-36 Cooperation with commissioner in proceedings
  6. a. Any officer, manager, director, trustee, owner, employee or agent of any insurer, or any other person with authority over or in charge of ...
• New Jersey Statutes 17B:32-37 Proceedings previously commenced deemed commenced under this act; exceptions, distribution of claims
  7. a. Every proceeding heretofore commenced under the laws in effect before the enactment of this act shall be deemed to have been commenced under ...
• New Jersey Statutes 17B:32-38 Prohibitions relative to insurer subject to delinquency proceeding
  8. No insurer that is subject to any delinquency proceedings, whether administrative or judicial, shall: a. Be released from that proceeding, unless that proceeding is ...
• New Jersey Statutes 17B:32-39 Filing of petition; court orders
  9. a. The commissioner may file in the Superior Court of this State a petition alleging that, with respect to a domestic insurer: (1) There ...
• New Jersey Statutes 17B:32-40 Confidentiality of documents, files, records, papers
  10. In all proceedings and judicial reviews thereof under section 9 of this act, all records of the insurer, other documents, and all department files ...
• New Jersey Statutes 17B:32-41 Petition for authority to rehabilitate insurer
  11. The commissioner may petition the Superior Court for an order authorizing him to rehabilitate a domestic insurer or an alien insurer domiciled in this ...
• New Jersey Statutes 17B:32-42 Appointment of rehabilitator
  12. a. An order to rehabilitate the business of a domestic insurer, or an alien insurer domiciled in this State, shall appoint the commissioner and ...
• New Jersey Statutes 17B:32-43 Powers of rehabilitator
  13. a. The commissioner as rehabilitator may appoint one or more special deputies, who shall have all the powers and responsibilities of the rehabilitator granted ...
• New Jersey Statutes 17B:32-44 Staying of pending actions
  14. a. Any court in this State before which any action or proceeding in which the insurer is a party, or is obligated to defend ...
• New Jersey Statutes 17B:32-45 Petition for order of liquidation
  15. a. Whenever the commissioner believes further attempts to rehabilitate an insurer would substantially increase the risk of loss to creditors, policyholders or the public, ...
• New Jersey Statutes 17B:32-46 Basis for order of liquidation
  16. The commissioner may petition the Superior Court for an order directing him to liquidate a domestic insurer or an alien insurer domiciled in this ...
• New Jersey Statutes 17B:32-47 Appointment of liquidator
  17. a. An order to liquidate the business of a domestic insurer shall appoint the commissioner and his successors in office liquidator and shall direct ...
• New Jersey Statutes 17B:32-48 Policies to continue in force
  18. a. Policies of life or health insurance or annuities shall continue in force for such period and under such terms as is provided for ...
• New Jersey Statutes 17B:32-49 Petition for dissolution
  19. The commissioner may petition for an order dissolving the corporate existence of a domestic insurer, or the United States branch of an alien insurer ...
• New Jersey Statutes 17B:32-50 Powers of liquidator
  20. a. The liquidator shall have the power: (1) To appoint a special deputy or deputies to act for him under this act, and to ...
• New Jersey Statutes 17B:32-51 Notice of liquidation order
  21. a. Unless the court otherwise directs, the liquidator shall give or cause to be given notice of the liquidation order as soon as possible: ...
• New Jersey Statutes 17B:32-52 Provision of information to liquidator by agents, licensing affected
  22. a. Every person who receives notice, in the form prescribed in section 21 of this act, that an insurer which he represents as an ...
• New Jersey Statutes 17B:32-53 Actions against or by insurer, liquidator
  23. a. Upon issuance of an order appointing a liquidator of a domestic insurer or of an alien insurer domiciled in this State, no action ...
• New Jersey Statutes 17B:32-54 Preparation of list of insurer's assets
  24. a. As soon as practicable after the liquidation order but not later than 120 days thereafter, the liquidator shall prepare in duplicate a list ...
• New Jersey Statutes 17B:32-55 Transfers, obligations deemed fraudulent
  25. a. Every transfer made or suffered and every obligation incurred by an insurer within one year prior to the filing of a successful petition ...
• New Jersey Statutes 17B:32-56 Transfer of real property deemed valid
  26. a. After a petition for rehabilitation or liquidation has been filed, but before an order of rehabilitation or liquidation is granted, a transfer of ...
• New Jersey Statutes 17B:32-57 Preferences
  27. a. (1) A preference is a transfer of any of the property of an insurer to or for the benefit of a creditor, for ...
• New Jersey Statutes 17B:32-58 Claims of creditor
  28. a. No claims of a creditor who has received or acquired a preference, lien, conveyance, transfer, assignment or encumbrance voidable under this act, shall ...
• New Jersey Statutes 17B:32-59 Mutual debts, credits
  29. a. Mutual debts or mutual credits, whether arising out of one or more contracts between the insurer and another person in connection with any ...
• New Jersey Statutes 17B:32-60 Report by liquidator
  30. a. As soon as practicable, but not more than two years from the date of an order of liquidation under section 17 of this ...
• New Jersey Statutes 17B:32-61 Amount recoverable not affected by delinquency proceedings
  31. The amount recoverable by the liquidator from reinsurers shall not be reduced as a result of the delinquency proceedings, regardless of any provision in ...
• New Jersey Statutes 17B:32-62 Payment of unpaid premium, violations; penalties; appeals
  32. a. (1) An agent, broker, premium finance company, or any other person, other than the insured, responsible for the payment of a premium shall ...
• New Jersey Statutes 17B:32-63 Proposal to disburse assets
  33. a. Within 120 days of a final determination of insolvency of an insurer by a court of competent jurisdiction of this State, the liquidator ...
• New Jersey Statutes 17B:32-64 Filing of proof of claims
  34. a. Proof of all claims shall be filed with the liquidator in the form required by section 35 of this act on or before ...
• New Jersey Statutes 17B:32-65 Statement to proof of claim
  35. a. Proof of claim shall consist of a statement signed by the claimant that includes all of the following that are applicable: (1) The ...
• New Jersey Statutes 17B:32-66 Contingent, absolute, limited claims
  36. a. A claim may be allowed even if contingent, if it is filed in accordance with section 34 of this act. It may be ...
• New Jersey Statutes 17B:32-67 Third party, insured claims
  37. a. Whenever any third party asserts a cause of action against an insured of an insurer in liquidation, the third party may file a ...
• New Jersey Statutes 17B:32-68 Denial of claims
  38. a. When a claim is denied in whole or in part by the liquidator, written notice of the determination shall be given to the ...
• New Jersey Statutes 17B:32-69 Proving, filing of claim of subrogee
  39. Whenever a creditor, whose claim against an insurer is secured, in whole or in part, by the undertaking of another person, fails to prove ...
• New Jersey Statutes 17B:32-70 Determination of value of security
  40. a. The value of any security held by a secured creditor shall be determined in one of the following ways, as the court may ...
• New Jersey Statutes 17B:32-71 Priority of distribution of claims
  41. a. The priority of distribution of claims from the insurer's estate shall be in accordance with the order in which each class of claims ...
• New Jersey Statutes 17B:32-72 Review of claims
  42. a. The liquidator shall review all claims duly filed in the liquidation and shall make such further investigation as he shall deem necessary. He ...
• New Jersey Statutes 17B:32-73 Payment of distributions
  43. Under the direction of the court, the liquidator shall pay distributions in a manner that will assure the proper recognition of priorities and a ...
• New Jersey Statutes 17B:32-74 Distribution of unclaimed funds
  44. Distribution of all unclaimed funds subject to distribution remaining in the liquidator's hands when he is ready to apply to the court for discharge, ...
• New Jersey Statutes 17B:32-75 Application for discharge
  45. a. When all assets justifying the expense of collection and distribution have been collected and distributed under this act, the liquidator shall apply to ...
• New Jersey Statutes 17B:32-76 Petition for reopening of proceedings
  46. After the liquidation proceeding has been terminated and the liquidator discharged, the commissioner or other interested party may at any time petition the Superior ...
• New Jersey Statutes 17B:32-77 Retaining, destruction of records
  47. Whenever it shall appear to the commissioner that the records of any insurer in the process of liquidation or completely liquidated are no longer ...
• New Jersey Statutes 17B:32-78 Audits of receiverships
  48. The Superior Court may, as it deems appropriate, cause audits to be made of the books of the commissioner relating to any receivership established ...
• New Jersey Statutes 17B:32-79 Grounds for appointment of conservator
  49. a. If a domiciliary liquidator has not been appointed, the commissioner may apply to the Superior Court by verified petition for an order directing ...
• New Jersey Statutes 17B:32-80 Grounds for liquidation of assets of insurer
  50. a. If no domiciliary receiver has been appointed, the commissioner may apply to the Superior Court by verified petition for an order directing him ...
• New Jersey Statutes 17B:32-81 Vesting of title with domiciliary liquidator
  51. a. The domiciliary liquidator of an insurer domiciled in a reciprocal state shall, except as to special deposits and security on secured claims under ...
• New Jersey Statutes 17B:32-82 Petition for appointment as ancillary receiver
  52. a. If a domiciliary liquidator has been appointed for an insurer not domiciled in this State, the commissioner may file a petition with the ...
• New Jersey Statutes 17B:32-83 Institution of proceedings
  53. The commissioner in his sole discretion may institute proceedings under sections 9 and 10 of this act at the request of the commissioner or ...
• New Jersey Statutes 17B:32-84 Claims filed in liquidation proceedings begun in State
  54. a. In a liquidation proceeding begun in this State against an insurer domiciled in this State, claimants residing in foreign countries or in states ...
• New Jersey Statutes 17B:32-85 Claims filed in liquidation proceedings in reciprocal state
  55. a. In a liquidation proceeding in a reciprocal state against an insurer domiciled in that state, claimants against the insurer who reside within this ...
• New Jersey Statutes 17B:32-86 Actions, proceedings prohibited during pendency of liquidation proceeding
  56. During the pendency in this or any other state of a liquidation proceeding, whether called by that name or not, no action or proceeding ...
• New Jersey Statutes 17B:32-87 Order of distribution of claims
  57. a. In a liquidation proceeding in this State involving one or more reciprocal states, the order of distribution of the domiciliary state shall control ...
• New Jersey Statutes 17B:32-88 Failure of ancillary receiver to transfer assets
  58. If an ancillary receiver in another state or foreign country, whether called by that name or not, fails to transfer to the domiciliary liquidator ...
• New Jersey Statutes 17B:32-89 Persons entitled to protection
  59. a. For the purpose of this section, the following persons are entitled to protection under subsection b. of this section: (1) All receivers responsible ...
• New Jersey Statutes 17B:32-90 Commissioner's powers unaffected
  60. This act shall not be interpreted to limit the powers granted to the commissioner by other provisions of law. L.1992,c.65,s.60. ...
• New Jersey Statutes 17B:32-91 Rules, regulations
  61. The commissioner may, pursuant to the "Administrative Procedure Act," P.L.1968, c.410 (C.52:14B-1 et seq.), promulgate necessary rules and regulations to implement the provisions of ...
• New Jersey Statutes 17B:32A-1 Short title
  1. Sections 2 through 19 of this act shall be known and may be cited as the "New Jersey Life and Health Insurance Guaranty Association ...
• New Jersey Statutes 17B:32A-2 Purpose of act
  2. a. The purpose of this act is to protect, subject to certain limitations, those persons specified in subsection a. of section 3 of this ...
• New Jersey Statutes 17B:32A-3 Provision of coverage
  3. a. This act shall provide coverage, for the policies and contracts specified in subsection b. of this section, to: (1) persons who, regardless of ...
• New Jersey Statutes 17B:32A-4 Definitions
  4. As used in this act: "Account" means either of the two accounts created under subsection b. of section 5 of this act. "Association" means ...
• New Jersey Statutes 17B:32A-5 New Jersey Life and Health Insurance Guaranty Association created
  5. a. There is created a nonprofit legal entity to be known as the New Jersey Life and Health Insurance Guaranty Association. All member insurers ...
• New Jersey Statutes 17B:32A-6 Board of Directors of association
  6. a. There shall be a board of directors of the association which shall consist of not less than five nor more than nine member ...
• New Jersey Statutes 17B:32A-7 Powers of the association
  7. a. If a member insurer is an impaired domestic insurer, the association may, in its discretion, and subject to any conditions imposed by the ...
• New Jersey Statutes 17B:32A-8 Member insurers assessed to provide funding for association
  8. a. For the purpose of providing the funds necessary to carry out the powers and duties of the association, the board of directors shall ...
• New Jersey Statutes 17B:32A-9 Plan of operation
  9. a. (1) The association shall submit to the commissioner a plan of operation and any amendments thereto necessary or suitable to assure the fair, ...
• New Jersey Statutes 17B:32A-10 Additional duties, powers of commissioner
  10. a. In addition to the duties and powers enumerated elsewhere in this act, the commissioner shall: (1) upon request of the board of directors, ...
• New Jersey Statutes 17B:32A-11 Detection, prevention of insurer insolvencies, impairments
  11. a. To aid in the detection and prevention of insurer insolvencies or impairments, the commissioner may: (1) notify the commissioners of insurance or comparable ...
• New Jersey Statutes 17B:32A-12 Liabilities of impaired, insolvent insurers
  12. a. Nothing in this act shall be construed to reduce the liability for unpaid assessments of the insureds of an impaired or insolvent insurer ...
• New Jersey Statutes 17B:32A-13 Association subject to examination, regulation
  13. The association shall be subject to examination and regulation by the commissioner. The board of directors shall submit to the commissioner each year, not ...
• New Jersey Statutes 17B:32A-14 Association exempt from fees, taxes
  14. The association shall be exempt from payment of all fees and all taxes levied by this State or any of its subdivisions, except taxes ...
• New Jersey Statutes 17B:32A-15 Immunity from liability
  15. a. There shall be no liability on the part of, and no cause of action of any nature shall arise against, any member insurer ...
• New Jersey Statutes 17B:32A-16 Stay of proceedings involving insolvent insurer
  16. Upon application and notice, all proceedings in which an insolvent insurer is a party or is obligated to defend a party in any court ...
• New Jersey Statutes 17B:32A-17 Association shall not be used to promote insurance sales
  17. a. No person, including an insurer, agent or affiliate of an insurer or insurance producer shall make, publish, disseminate, circulate or place before the ...
• New Jersey Statutes 17B:32A-18 Member insurer may offset assessments against premium tax liability
  18. a. A member insurer may offset against its premium tax liability, attributable to premiums written in that year, and determined pursuant to section 1 ...
• New Jersey Statutes 17B:32A-19 Provisions not applicable to certain insurers
  19. The provisions of sections 2 through 18 of this act shall not apply to any insurer which is insolvent or impaired on December 31, ...
• New Jersey Statutes 17B:32B-1 Short title.
  1. This act shall be known and may be cited as the "New Jersey Insolvent Health Maintenance Organization Assistance Fund Act of ...
• New Jersey Statutes 17B:32B-2 Purpose of act.
  2. The purpose of this act is to protect, subject to certain limitations, covered individuals and providers against the failure or inability ...
• New Jersey Statutes 17B:32B-3 Definitions relative to certain insolvent health maintenance organizations.
  3. As used in this act: "Association" means the New Jersey Insolvent Health Maintenance Organization Assistance Association created by section ...
• New Jersey Statutes 17B:32B-4 Payment for eligible services, benefits.
  4. This act shall provide payment for eligible services or benefits under a covered health maintenance organization contract on an equitable basis ...
• New Jersey Statutes 17B:32B-5 New Jersey Insolvent Health Maintenance Organization Assistance Association.
  5. There is created a nonprofit legal entity to be known as the New Jersey Insolvent Health Maintenance Organization Assistance Association. All ...
• New Jersey Statutes 17B:32B-6 New Jersey Insolvent Health Maintenance Organization Assistance Fund.
  6. a. For purposes of administration and assessment, the New Jersey Insolvent Health Maintenance Organization Assistance Fund is created, and shall be held ...
• New Jersey Statutes 17B:32B-7 Board of directors.
  7. a. The board of directors of the association shall consist of not less than five nor more than nine members, who shall ...
• New Jersey Statutes 17B:32B-8 Maximum liability of association.
  8. a. The maximum liability of the association for all coverage provided under this act shall be limited to the amount available from ...
• New Jersey Statutes 17B:32B-9 Assessment of member organizations.
  9. a. For the purpose of providing the funds necessary to carry out the powers and duties of the association, the board of ...
• New Jersey Statutes 17B:32B-10 Submission of plan of operation.
  10. a. (1) The association shall submit to the commissioner a plan of operation, and any amendments thereto, necessary or suitable to assure ...
• New Jersey Statutes 17B:32B-11 Additional powers, duties of the commissioner.
  11. a. In addition to the duties and powers enumerated elsewhere in this act, the commissioner shall, upon request of the board of ...
• New Jersey Statutes 17B:32B-12 Tax credit permitted for member organizations.
  12. a. A member organization shall be allowed a credit against the tax imposed pursuant to section 5 of P.L.1945, c.162 (C.54:10A-5), in ...
• New Jersey Statutes 17B:32B-13 Examination, regulation.
  13. a. The association shall be subject to examination and regulation by the commissioner. The board of directors shall submit to the commissioner ...
• New Jersey Statutes 17B:32B-14 Exemption of association from certain fees, taxes.
  14. The association shall be exempt from the payment of all fees and all taxes levied by this State or any of its ...
• New Jersey Statutes 17B:32B-15 Condition for receipt by providers of payments.
  15. As a condition of receiving payment directly from the association for an eligible claim against an insolvent organization, a provider shall agree ...
• New Jersey Statutes 17B:32B-16 Immunity from liability for member organizations, etc.
  16. There shall be no liability on the part of, and no cause of action of any nature shall arise against, any member ...
• New Jersey Statutes 17B:32B-17 Rules, regulations.
  18. The commissioner shall promulgate such rules and regulations as may be necessary to effectuate the purposes of this act. L.2000,c.12,s.18. ...
• New Jersey Statutes 17B:33-1 Short title
  This chapter shall be known as the Unauthorized Insurers' Process Act. a. The purpose of this chapter is to subject unauthorized insurers to the jurisdiction ...
• New Jersey Statutes 17B:33-2 Acts constituting commissioner as process agent
  Any of the following acts in this State by an unauthorized insurer, whether effected by mail or other means, shall be equivalent to and shall ...
• New Jersey Statutes 17B:33-3 Service of process on commissioner as process agent
  Service of process and other papers upon the commissioner as the true and lawful attorney of an unauthorized insurer pursuant to this chapter may be ...
• New Jersey Statutes 17B:33-4 Service of process on persons acting on behalf of unauthorized insurer
  In addition to other methods authorized for the service of process and other papers upon an unauthorized insurer, such service may be made upon any ...
• New Jersey Statutes 17B:33-5 Service of process by other means
  Nothing in this chapter shall be taken or construed to limit or abridge the means or methods by which any process or other papers may ...
• New Jersey Statutes 17B:33-6 Judgment by default
  Whenever the service of process is effected by a method authorized by this chapter, the time within which the defendant shall be allowed to serve ...
• New Jersey Statutes 17B:33-7 Deposit of bond by unauthorized insurer
  Before any unauthorized insurer shall file or cause to be filed any pleading or other paper in any action or proceeding instituted against it in ...
• New Jersey Statutes 17B:33-8 Damages for unjustified refusal to pay
  In any action against an unauthorized foreign or alien insurer upon a contract of insurance issued or delivered in this State to a resident thereof ...
• New Jersey Statutes 17B:33-9 Misrepresentation by unauthorized insurer; notice to domiciliary supervisory official; action
  No unauthorized insurer shall make, issue, circulate or cause to be made, issued or circulated, to residents of this State any estimate, illustration, circular, pamphlet, ...
• New Jersey Statutes 17B:34-1 Applicability of chapter
  The provisions of this chapter shall apply to all matters in respect to which a particular section directs that proceedings shall be governed by this ...
• New Jersey Statutes 17B:34-2 General policy
  Provisions for procedure, administration and the like, set out in this Code shall be construed and applied so as to aid in the operation of ...
• New Jersey Statutes 17B:34-3 Subsequently enacted laws
  Laws hereafter enacted by way of amendment or supplement to this Code shall be dealt with in respect to matters of procedure, administration and the ...
• New Jersey Statutes 17B:34-4 Filing
  Whenever any matter is required to be filed with the commissioner, the same shall be deemed to have been filed on the date it is ...
• New Jersey Statutes 17B:34-5 Submission for approval or determination
  Whenever any matter is required to be submitted, filed or otherwise presented so that it may be brought to the attention of the commissioner, then, ...
• New Jersey Statutes 17B:34-6 Effect of withdrawals, approvals and the like
  The withdrawal of any matter shall be without prejudice unless expressly stated to be with prejudice. Approvals resulting from the lapse of time shall not ...
• New Jersey Statutes 17B:34-7 Number of copies
  One copy of any paper or other matter to be filed, submitted or otherwise presented shall be sufficient. Additional copies if thereafter requested by the ...
• New Jersey Statutes 17B:34-8 Subpoenas
  17B:34-8. Subpoenas to witnesses shall be issued in the name of the commissioner by him or by any deputy commissioner or other employee designated by ...
• New Jersey Statutes 17B:34-9 Orders pending hearing
  In any formal proceeding, where the commissioner finds that the interests of the public require that immediate action be taken pending the completion of the ...
• New Jersey Statutes 17B:34-10 Judicial review; stay
  Orders of the commissioner, whether temporary or final, shall be subject to judicial review. Any party intending to seek judicial review may request the commissioner ...
• New Jersey Statutes 17B:34-11 Matters not otherwise provided for
  In the administration of any matter, the procedure for which is not specified by any applicable provision of law or of any rule or regulation, ...
• New Jersey Statutes 17B:34-12 Effect of Chapter
  The enactment of the provisions of this Chapter shall provide an alternative method of action and shall in no way be deemed to repeal the ...
• New Jersey Statutes 17B:35-1 Certificate of authority existing prior to effective date of act; expiration; renewal
  Every certificate of authority of an insurer in force immediately prior to the effective date of this act and existing under any law herein repealed ...
• New Jersey Statutes 17B:35-2 Licenses in force prior to effective date of act; continuance; expiration; renewal
  Every license in force immediately prior to the effective date of this act and existing under any law herein repealed shall be valid until midnight ...
• New Jersey Statutes 17B:35-3 Form of insurance document, rate or filing lawfully used prior to effective date of act; continuance of use and effectiveness
  Every form of insurance document and every rate or other filing lawfully in use immediately prior to the effective date of this act may continue ...
• New Jersey Statutes 17B:35-4 Deposits in compliance with condition precedent to or in connection with certificate of authority prior to effective date of act; use for similar purposes
  Any deposit made in this State under any law repealed herein, with or through the Department of Insurance or the commissioner, or by any insurer ...
• New Jersey Statutes 17B:35-5 References to repealed provisions as references to provisions of this act
  Any laws of New Jersey, other than this act, remaining in force after the effective date of this act which refer to certain provisions of ...
• New Jersey Statutes 17B:35-6 Impairment or effect on acts, offenses, rights, penalties, etc., prior to effective date of act
  This act shall not impair or affect any act done, offense committed, or right accruing, accrued, or acquired, or liability, penalty, forfeiture or punishment incurred, ...
• New Jersey Statutes 17B:35-7 Insurer organized under any repealed act; continuance of existence and rights
  The repeal by this code of the whole or any part of any act under which there was organized any insurer in existence on the ...
• New Jersey Statutes 17B:36-1 Sections and acts saved from repeal
  The following sections, acts, and parts of acts, together with all amendments and supplements thereto, are saved from repeal. a. The following sections of the ...
• New Jersey Statutes 17B:36-2 Sections and acts repealed
  The following sections, acts, and parts of acts, together with all amendments and supplements thereto, are hereby repealed. a. The following sections of the Revised ...
• New Jersey Statutes 17B:36-3 Partial Repealers
  a. The following sections of the Revised Statutes are hereby repealed insofar as they apply to the formation of and subsequent authorization of companies to ...
• New Jersey Statutes 17B:36-4 Effective date
  Except as otherwise expressly provided this act shall take effect January 1, 1972. L.1971, c. 144, s. 17B:36-4. ...

Last modified: April 1, 2009