NAIC model law · NAIC model laws
Unfair Discrimination Against Subjects of Abuse in Disability Income Insurance Model Act
Edition and licensing notes
Publisher. National Association of Insurance Commissioners (NAIC)
Status. NAIC model, © NAIC. Brief quotations under fair use; not the enacted law of any state until adopted.
What this document is
Unfair Discrimination Against Subjects of Abuse in Disability Income Insurance Model Act is a naic model law published by National Association of Insurance Commissioners (NAIC). It is one of the documents that insurance license exam questions are written from, including 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.
- Section 3G
“G. “Insured” means a party named on a disability income policy or certificate as the person with legal rights to the benefits provided by the policy or certificate. For group insurance, “insured” includes a person who is a beneficiary covered by a group policy or certificate.”
- Section 4B(5)
“B. When the insurer or insurance professional has information in its possession that clearly indicates that the insured or applicant is a subject of abuse, the disclosure or transfer of confidential abuse information, as defined in this Act, for any purpose or to any person is unfairly...”
- Section 4E
“E. Subsection D does not prohibit a disability income insurer or insurance professional from asking about a medical condition or from using medical information to underwrite or to carry out its duties under the policy, even if the medical information is related to a medical condition that the...”
- Section 7
“Section 7. Enforcement The commissioner shall conduct a reasonable investigation based on a written and signed [add any means by which the commissioner receives complaints] complaint received by the commissioner and issue a prompt determination as to whether a violation of this Act may have...”
- Section 8
“Section 8. Effective Date This Act is effective [insert date], and applies to all actions taken on or after the effective date, except where otherwise explicitly stated. Nothing in this Act shall require an insurer to conduct a comprehensive search of its contract files existing on the effective...”
Practice this material
Questions about this source
More NAIC model laws sources
- Health Carrier Prescription Drug Benefit Management Model ActNAIC model law
- INDIVIDUAL MARKET HEALTH INSURANCE COVERAGE MODEL REGULATIONNAIC model law
- INDIVIDUAL MARKET HEALTH INSURANCE COVERAGE MODEL ACTNAIC model law
- Advertisements of Accident and Sickness Insurance Model RegulationNAIC model law
- Health Information Privacy Model ActNAIC model law
- Health Benefit Plan Network Access and Adequacy Model ActNAIC model law
- Health Carrier External Review Model ActNAIC model law
- MODEL HEALTH PLAN FOR UNINSURABLE INDIVIDUALS ACTNAIC model law