Massachusetts accident and health / disability policy provisions

What this document is

Massachusetts accident and health / disability policy provisions: M.G.L. c. 175, ss. 108-108N, 110A-110M, 111 is a state statute published by malegislature.gov. It is one of the Massachusetts documents that insurance license exam questions are written from, including massachusetts life & health practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.

• M.G.L. ch. 175 § 108, subdiv. 3(a)(6) (Claim Forms)

  “The insurer, upon receipt of a notice of claim, will furnish to the claimant such forms as are usually furnished by it for filing proofs of loss. If such forms are not furnished within fifteen days after the giving of such notice the claimant shall be deemed to have complied with the requirements...”

• M.G.L. ch. 175 § 108, subdiv. 3(a)(11) (Legal Actions)

  “No action at law or in equity shall be brought to recover on this policy prior to the expiration of sixty days after written proof of loss has been furnished in accordance with the requirements of this policy. No such action shall be brought after the expiration of three years after the time...”

• M.G.L. ch. 175 § 108, subdiv. 3(b1/2) (Refusal to Renew on an Individual Basis)

  “Each such policy in which the insurer reserves the right to refuse renewal on an individual basis shall provide, in substance, in a provision thereof or in an endorsement thereon or in a rider attached thereto, that subject to the right to terminate the policy upon nonpayment of premium when due,...”

• M.G.L. ch. 175 § 108, subdiv. 3(a)(5) (Notice of Claim)

  “Written notice of claim must be given to the insurer within twenty days after the occurrence or commencement of any loss covered by the policy, or as soon thereafter as is reasonably possible.”

• M.G.L. ch. 175 § 108, subdiv. 3(a)(8) (Time of Payment of Claims)

  “Indemnities payable under this policy for any loss other than loss for which this policy provides any periodic payment will be paid immediately upon receipt of due written proof of such loss.”

• M.G.L. ch. 175 § 110F (Effect of federal social security benefit increase upon payment of benefits under disability policy)

  “Section 110F. Benefits due under a policy of insurance insuring against disability from injury or disease shall not be reduced by an increase in federal social security benefits once payment of disability benefits has commenced.”

• M.G.L. ch. 175 § 110H (Cancellation of accident and health policy upon insured reaching age 65; notice to insured)

  “Section 110H. Every company which issues a policy of insurance under the provisions of section one hundred and eight which is cancellable when the insured reaches age sixty-five shall, sixty days prior to the date of intended cancellation, notify the insured that such policy will be cancelled and...”

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More Massachusetts sources

• M.G.L. Chapter 176D - Unfair Methods of Competition and Unfair and Deceptive Acts and Practices in the Business of Insurance (Secs. 1, 2, 3, 3A, 4, 5, 11)State statute
• M.G.L. ch. 176D, Unfair Methods of Competition and Unfair and Deceptive Acts and Practices in the Business of Insurance (complete chapter)State statute
• Massachusetts insurance contract and general provisions applicable to all insurers: M.G.L. c. 175, ss. 2, 2A, 2B, 3, 181-194State statute
• Massachusetts group and blanket health insurance: M.G.L. c. 175, ss. 110, 110D, 110G, 110I, 110J, 110K, 110LState statute
• Massachusetts group life insurance: M.G.L. c. 175, ss. 133-138AState statute
• Massachusetts life insurance and annuity contracts, including standard policy provisions: M.G.L. c. 175, ss. 118-132A1/2, 139-146A, 149, 204State statute
• Massachusetts Life and Health Insurance Guaranty Association Law: M.G.L. c. 175, s. 146BState statute
• Massachusetts Medicare supplement and long-term care insurance minimum standards: M.G.L. c. 175 s. 205; c. 176K ss. 1-9; c. 176U ss. 1-9State statute