632.77 – Permitted provisions for disability insurance policies.
632.77 Permitted provisions for disability insurance policies. If any provisions are contained in a disability insurance policy dealing with the following subjects, they shall conform to the requirements specified: (1) Change of occupation. Any provision respecting change of occupation may provide only for a lower maximum payment and for reduction of loss payments proportionate to […]
632.775 – Effect of power of attorney for health care.
632.775 Effect of power of attorney for health care. (1) Insurer may not require. An insurer may not require an individual to execute a power of attorney for health care under ch. 155 as a condition of coverage under a disability insurance policy. (2) Effect on disability policies. Executing a power of attorney for health […]
632.78 – Required grace period for disability insurance policies.
632.78 Required grace period for disability insurance policies. Every disability insurance policy shall contain clauses providing for a grace period of at least 7 days for weekly premium policies, 10 days for monthly premium policies and 31 days for all other policies, for each premium after the first, during which the policy shall continue in […]
632.79 – Notice of termination of group hospital, surgical or medical expense insurance coverage due to cessation of business or default in payment of premiums.
632.79 Notice of termination of group hospital, surgical or medical expense insurance coverage due to cessation of business or default in payment of premiums. (1) Scope. This section shall apply to every group hospital, surgical or medical expense insurance policy or service plan purchased by or on behalf of an employer to provide coverage for […]
632.793 – Notice of loss of primary insurance coverage due to age.
632.793 Notice of loss of primary insurance coverage due to age. (1) Notice to insured and employer. If an individual who is covered under a group disability insurance policy, as defined in s. 632.895 (1) (a), that is purchased by or on behalf of an employer to provide coverage for employees will lose primary coverage […]
632.7495 – Guaranteed renewability of individual health insurance coverage.
632.7495 Guaranteed renewability of individual health insurance coverage. (1) (a) Except as provided in subs. (2) to (4) and notwithstanding s. 631.36 (2) to (4m), an insurer that provides individual health benefit plan coverage shall renew such coverage or continue such coverage in force at the option of the insured individual and, if applicable, the […]
632.7497 – Modifications at renewal.
632.7497 Modifications at renewal. (1) In this section, “individual major medical or comprehensive health benefit plan” includes coverage under a group policy that is underwritten on an individual basis and issued to individuals or families. (2) An insurer that issues an individual major medical or comprehensive health benefit plan shall, at the time of a […]
632.75 – Prohibited provisions for disability insurance.
632.75 Prohibited provisions for disability insurance. (1) Death presumed from extended absence. Section 813.22 (1) applies to any disability insurance policy providing a death benefit. (2) Dividends conditioned on continuation of policy or payment of premiums. Except on the first or second anniversary, no dividend payable on a disability insurance policy may be made contingent […]
632.755 – Public assistance and early intervention services.
632.755 Public assistance and early intervention services. (1g) (a) A disability insurance policy may not exclude a person or a person’s dependent from coverage because the person or the dependent is eligible for assistance under ch. 49 or because the dependent is eligible for early intervention services under s. 51.44. (b) A disability insurance policy […]
632.76 – Incontestability for disability insurance.
632.76 Incontestability for disability insurance. (1) Avoidance for misrepresentations. No statement made by an applicant in the application for individual disability insurance coverage and no statement made respecting the person’s insurability by a person insured under a group policy, except fraudulent misrepresentation, is a basis for avoidance of the policy or denial of a claim […]