Disability Insurance: general provisions, individual policy provisions, coverage requirements, group and blanket (33-22-101 through 33-22-604)

What this document is

Montana Code Annotated Title 33 Chapter 22 Parts 1-6 - Disability Insurance: general provisions, individual policy provisions, coverage requirements, group and blanket (33-22-101 through 33-22-604) is a state statute published by Montana Legislative Services Division (archive.legmt.gov). It is one of the Montana documents that insurance license exam questions are written from, including montana 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.

• Mont. Code Ann. Title 33 Chapter 22 § 33-22-603 (Application and certificates not required)

  “An individual application shall not be required from a person covered under a blanket disability policy or contract, nor shall it be necessary for the insurer to furnish each person a certificate.”

• Mont. Code Ann. Title 33 Chapter 22 § 33-22-604(1)(b) (Payment of claims -- discharge)

  “The policy may provide that all or any portion of any indemnities provided by the policy on account of hospital, nursing, medical, or surgical services may, at the insurer's option, be paid directly to the hospital or person rendering the services, but the policy may not require that the service be...”

• Mont. Code Ann. Title 33 Chapter 22 § 33-22-601(1) (Blanket disability insurance defined)

  “Blanket disability insurance is hereby declared to be that form of disability insurance covering groups of persons as enumerated in one of the following subsections: (1) under a policy or contract issued to any common carrier or to any operator, owner, or lessee of a means of transportation, who or...”

• Mont. Code Ann. Title 33 Chapter 22 § 33-22-502(2) (Required Provisions of Group Policies)

  “(2) a provision that the insurer will furnish to the policyholder for delivery to each employee or member of the insured group a statement in summary form of the essential features of the insurance coverage of the employee or member and to whom benefits are payable. If dependents are included in...”

• Mont. Code Ann. Title 33 Chapter 22 § 33-22-215 (Change of Beneficiary)

  “Unless the insured makes an irrevocable designation of beneficiary, the right to change a beneficiary is reserved to the insured and the consent of the beneficiary or beneficiaries shall not be requisite to surrender or assignment of this policy or to any change of beneficiary or beneficiaries or...”

• Mont. Code Ann. Title 33 Chapter 22 § 33-22-222 (Change of Occupation)

  “If the insured is injured or contracts sickness after having changed the insured's occupation to one classified by the insurer as more hazardous than that stated in this policy or while doing for compensation anything pertaining to a classified occupation, the insurer will pay only the portion of...”

• Mont. Code Ann. Title 33 Chapter 22 § 33-22-209 (Claim Forms)

  “If such forms are not furnished within 15 days after the giving of such notice, the claimant shall be deemed to have complied with the requirements of this policy as to proof of loss upon submitting, within the time fixed in the policy for filing proofs of loss, written proof covering the...”

• Mont. Code Ann. Title 33 Chapter 22 § 33-22-229 (Conformity with State Statutes)

  “There must be a provision or the equivalent thereto as follows: "Conformity with Montana statutes: The provisions of this policy conform to the minimum requirements of Montana law and control over any conflicting statutes of any state in which the insured resides on or after the effective date of this policy."”

• Mont. Code Ann. Title 33 Chapter 22 § 33-22-307 (Continuity of Coverage)

  “a covered person, other than one eligible for medicare or any other similar federal or state disability insurance program, including the spouse and any covered dependent child of the last-named insured or the representative of the child, has the right to continuation of coverage under provisions...”

• Mont. Code Ann. Title 33 Chapter 22 § 33-22-513 (Limitation of eligibility on conversion)

  “An individual who purchases a policy of insurance under 33-22-508 ceases to be eligible for a conversion policy if the individual insured by the policy: (1) fails to pay the premium on the policy purchased under 33-22-508 ; or (2) enrolls under another major medical disability insurance policy or...”

• Mont. Code Ann. Title 33 Chapter 22 § 33-22-308 (Form of Coverage, Evidence of Insurability, Preexisting Conditions)

  “Coverage provided through continuation or conversion may not require additional evidence of insurability except as to overinsurance and may not impose any preexisting condition limitations or other contractual time limitations other than those remaining unexpired under the policy or contract from...”

• Mont. Code Ann. Title 33 Chapter 22 § 33-22-212(1) (Payment of Claims)

  “Payment of Claims: Indemnity for loss of life will be payable in accordance with the beneficiary designation and the provisions respecting such payment which may be prescribed herein and effective at the time of payment. If no such designation or provision is then effective, such indemnity shall be...”

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Questions about this source

More Montana sources

• Mont. Code Ann. s. 33-18-201: Unfair claim settlement practices prohibitedState statute
• Mont. Code Ann. s. 33-18-202: Misrepresentation and false advertising of policies prohibitedState statute
• Mont. Code Ann. ss. 33-20-104 to 33-20-119: Standard life insurance policy provisionsState statute
• Mont. Code Ann. s. 33-17-1001: Suspension, revocation, or refusal of licenseState statute
• Montana Code Annotated Title 33 Chapter 15 - The Insurance Contract (33-15-101 through 33-15-1126)State statute
• Montana Code Annotated Title 33 Chapter 17 - Insurance Producers, Adjusters, Consultants and Administrators (33-17-101 through 33-17-1205)State statute
• Montana Code Annotated Title 33 Chapter 20 - Life Insurance and Annuity Contracts (33-20-101 through 33-20-1606)State statute
• Montana Code Annotated Title 33 Chapter 22 Parts 7-22 - Disability Insurance: mental health parity, Medicare supplement, long-term care, reinsurance, preferred providers, small employer, dental (33-22-701 through 33-22-2205)State statute