New York Insurance Law Article 32, second half

What this document is

New York Insurance Law Article 32, second half (Secs. 3221-3245) is a state statute published by New York State Senate, NYS Open Legislation (nysenate.gov). It is one of the New York documents that insurance license exam questions are written from, including new york 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.

• N.Y. Ins. Law Article 32 § 3221(a)(6) (Group A&H Standard Provisions - Certificate for Each Member of the Insured Group)

  “That the insurer shall issue either to the employer or person in whose name such policy is issued, for delivery to each member of the insured group, a certificate setting forth in summary form a statement of the essential features of the insurance coverage and in substance the following provisions of this subsection.”

• N.Y. Ins. Law Article 32 § 3221(e)(7) (Continuation as an Alternative to Conversion; Effective Date)

  “(7) In addition to the right of conversion herein, the employee or member insured under the policy shall at his option, as an alternative to conversion, be entitled to have his coverage continued under the group policy in accordance with the conditions and limitations contained in subsection (m) of...”

• N.Y. Ins. Law Article 32 § 3221(e)(5) (Group Health Conversion Privilege: Additional Triggering Events)

  “(5) The conversion provision shall also be available upon the death of the employee or member, to the surviving spouse with respect to such of the spouse and children as are then covered by the group policy, and shall be available to a child solely with respect to himself upon his attaining the...”

• N.Y. Ins. Law Article 32 § 3225 (Eligibility for Health Insurance in Cases of Exposure to DES)

  “No policy of accident or health insurance, or group or blanket accident or health insurance or renewals thereof shall be denied or cancelled by the insurer, solely because the insured person has been exposed to diethylstilbestrol, commonly referred to as DES.”

• N.Y. Ins. Law Article 32 § 3221(k)(4)(A)(iv) (Group Mandated Benefit: Emergency Services)

  “if the emergency services are provided by a non-participating provider, the cost-sharing requirement (expressed as a copayment or coinsurance) shall be the same requirement that would apply if such services were provided by a participating provider.”

• N.Y. Ins. Law Article 32 § 3221(e)(5) (Group Conversion Privilege on Death, Divorce or Annulment)

  “(5) The conversion provision shall also be available upon the death of the employee or member, to the surviving spouse with respect to such of the spouse and children as are then covered by the group policy, and shall be available to a child solely with respect to himself upon his attaining the...”

• N.Y. Ins. Law Article 32 § 3230(e) (Accelerated Death Benefit under a Group Life Policy)

  “(e) A group life insurance policy which provides for accelerated payment of death benefits or a special surrender value must provide that only the certificateholder has the right to accelerate the benefits.”

• N.Y. Ins. Law Article 32 § 3221(k)(1)(A) (Group Mandated Benefit: Home Care Coverage)

  “Every group policy delivered or issued for delivery in this state which provides coverage for in-patient hospital care shall provide coverage for home care to residents in this state, except that this provision shall not apply to a policy which covers persons employed in more than one state or the...”

• N.Y. Ins. Law Article 32 § 3221(e)(6)(A) (Notice of Conversion Privilege and Extension of Time)

  “Each certificate holder shall be given written notice of such conversion privilege and its duration within fifteen days before or after the date of termination of group coverage, provided that if such notice be given more than fifteen days but less than ninety days after the date of termination of...”

• N.Y. Ins. Law Article 32 § 3221(k)(5)(A)(iii) (Group Mandated Benefit: Maternity Care and Post-Discharge Home Care Visit)

  “The mother shall have the option to be discharged earlier than the time periods established in item (i) of this subparagraph. In such case, the inpatient hospital coverage must include at least one home care visit which shall be in addition to, rather than in lieu of, any home health care coverage...”

• N.Y. Ins. Law Article 32 § 3221(a)(3) (Group A&H Standard Provisions - New Employees or Members in Eligible Classes)

  “(3) That all new employees or new members in the classes eligible for insurance must be added to such class for which they are eligible.”

• N.Y. Ins. Law Article 32 § 3221(a)(2) (Group A&H Standard Provisions - No Agent Authority to Change Policy)

  “That no agent has authority to change the policy or waive any of its provisions and that no change in the policy shall be valid unless approved by an officer of the insurer and evidenced by endorsement on the policy, or by amendment to the policy signed by the policyholder and the insurer.”

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