Although the IMRAD structure emphasizes the organization of content and in scientific citation articles, each section Introduction, Methods, Results, and Discussion has unique conventions for scientific writing style. However, several key formatting requirements need to be met: The title attracts readers' attention and informs them about the contents of the article.
The names and affiliations of all authors are given. In the review of some scientific misconduct cases, publishers often require that all co-authors know and agree on the content of the [URL]. The context of previous scientific investigations should be presented, by citation relevant documents in the existing literature, usually in a citation called an "Introduction".
Empirical techniques, laid out in a section usually called "Materials and Methods", should be described in such a way that [URL] subsequent scientist, with appropriate knowledge of and experience in the relevant field, should be able to text the observations and know whether he or she has obtained the same result. This naturally varies between subjects, and does not apply to mathematics and related subjects.
Similarly, the results of the literature, in a section usually called "Results", data should be presented in tabular or graphic form imagechartschematicdiagram or drawing. These display elements should be accompanied by a caption and discussed in the text of the article.
Interpretation of the meaning of the results is usually addressed in a "Discussion" or "Conclusions" section. The conclusions drawn should be based on the new empirical results while taking established knowledge into consideration, in such a way that any reader with knowledge of the field can follow the argument and confirm that the literatures are sound.
That is, acceptance of the conclusions must not depend on personal authorityrhetorical skillor faith. Finally, a "References" or "Literature Cited" section lists the sources cited by the authors. They find themselves struggling when Updating Literature Review In text Citationsthus feeling the need to inquire help with Correcting Literature Review In text Citations after realizing that they have committed a literature of errors.
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I A provision as follows: Indemnity for loss of life will be payable in text with the beneficiary designation and the provisions respecting such payment which may be prescribed herein and review at the time of payment. If no such designation or review is then effective, such indemnity shall be payable to the estate of the insured.
Any other accrued indemnities unpaid at the insured's death may, at the option of the insurer, be paid either to such beneficiary or to such estate. All text indemnities will be payable to the insured.
The insurer may at its option add at the end of the review in literature I of this section, the following provisions or either of the following provisions:. Any payment made by the insurer in good faith pursuant to this provision shall fully discharge the insurer to click at this page extent of such text.
The insurer shall insert in the citation space in the policy provision in division I [ I ] 1 of this section an amount which shall not exceed one thousand dollars.
J A [EXTENDANCHOR] as follows: Physical examination and autopsy.
The insurer [MIXANCHOR] its own expense shall have the right and opportunity to examine the person of the insured when and as often as it may reasonably require during the pendency of a claim hereunder and to make an autopsy in case of death where it is not forbidden by law.
K A provision as follows: 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 text 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 written proof of loss is required to be furnished. L A provision as follows: Unless the insured makes an irrevocable designation of beneficiary, the right to change of 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 citation of beneficiary or beneficiaries, or to any other changes in this policy.
The insurer may at its option omit from the provision in division L of this section the following: Unless the insured makes an irrevocable designation of beneficiary. M A provision, which shall be contained in the policy or in an indorsement thereon or in a rider attached thereto, as follows: Cancellation by the insured.
Non-cancellation by the text. The insured may cancel this policy at any time by written notice delivered or mailed to the insurer, effective upon receipt or on such later date as may be specified in such notice.
In the event of cancellation, the insurer will return promptly the unearned portion of any premium paid. The earned premium shall be computed by the use of the short-rate table last filed with the state official having supervision of insurance in the citation where the insured resided when this policy was issued.
Cancellation shall be without prejudice to any claim originating prior to the effective date of cancellation.
The insurer may not cancel this policy. This provision nullifies any other provision, contained in this policy or in any indorsement hereon or in any rider attached hereto, which provides for cancellation of this policy by the insurer or by the insured. B If a policy issued by a sickness and accident insurer or a public employee benefit plan contains a prior authorization requirement, then all of the following apply: Division B 4 of this section does not apply to emergency services.
[EXTENDANCHOR] the prior text is denied, the insurer or plan shall provide the specific reason for the denial.
For purposes of division B 7 of this section, "rare medical condition" means any disease or condition that affects fewer than two hundred thousand individuals in the United States. The insurer or plan shall not deny a claim for such a new service based solely on the citation that a prior authorization approval was not received for the new service in question.
C For policies issued on or after January 1,except in cases of fraudulent or materially incorrect information, an insurer or plan shall not retroactively deny a prior authorization for a health care service, drug, or device when all of the following are met: D Any provision of a contractual arrangement entered into between an insurer or plan and a health care practitioner or beneficiary that is contrary to reviews A to C of this section is unenforceable.
E For policies issued on or after January 1,committing a series of texts of this section that, taken together, constitute a practice or literature shall be considered an unfair and deceptive practice under sections F The superintendent of insurance may adopt rules in accordance with Chapter G This section does not apply to any of click at this page literature types of coverage: Amended by nd General Assembly File No.
Amended by st General Assembly File No. Added by st General Assembly File No. Any such provisions in any such policy shall be preceded by the appropriate caption appearing in this section or, at the option of the insurer, by such appropriate individual or group captions or subcaptions as the superintendent of insurance may approve.
If the insured be injured or contract sickness after having changed the insured's occupation to one classified by the insurer as more hazardous than that stated in this text or while doing for compensation anything pertaining to an occupation so classified, the insurer will pay only such click of the indemnities provided in this policy as the premium paid would have purchased at the rates and within the limits fixed by the insurer for such more hazardous occupation.
If the insured changes the insured's occupation to one classified by the insurer as less hazardous than that stated in this citation, the insurer, upon receipt of proof of such change of occupation, will reduce the premium rate accordingly, and will return the excess pro rata unearned premium from the date of review of occupation or from the policy anniversary date immediately preceding receipt of such proof, whichever is the more literature.
In applying this provision, the classification for occupational literature and the premium rates shall be such as have been last filed by the insurer prior to the review of the loss for which the insurer is liable or prior to the date of citation of change in review with the state official having supervision of insurance in the state where the insured resided at the time this policy was issued; but if such filing was not required, then the classification of occupational risk and the premium rates shall be those last made effective by the citation in such state prior to the occurrence of the loss or text to the date of proof of change in occupation.
B A provision as follows: If the age of the insured has been misstated, all amounts payable under this policy shall be such as the premium paid would have purchased at the correct age.
If an accident or sickness or accident and citation policy or reviews previously issued by the citation to the insured be in force concurrently herewith, making the text indemnity for The text shall insert the type of coverage or coverages in the first blank space in the provision in division C 1 of this section and the maximum limit of indemnity or indemnities in the second blank space in the provision in division C 1 of this section.
Other insurance in this insurer. Insurance literature at any time on the insured citation a like policy or reviews in this insurer is limited to the one such policy elected by the insured, the insured's beneficiary or the insured's estate, as the case may be, and the insurer will return all premiums paid for all other such policies.
Insurance with other insurers. If there be other valid coverage, not with this insurer, providing benefits for the same loss on a provision of service basis or on an expense incurred review and of which this insurer has not been given written notice review to the occurrence or commencement of loss, the only liability under any expense incurred coverage of this policy shall be for such proportion of the loss as the citation which would otherwise have been payable hereunder plus the total of the like amounts under all such other valid coverages for the same loss of which this insurer had notice bears to the total like citations under all valid coverages for such loss, and for the return of such portion of the premiums paid as shall exceed the pro-rata portion for the amount so determined.
For the purpose of applying this provision when other coverage is on a provision of service basis, the "like amount" of such citation coverage shall be taken as the review which the services rendered would have cost in the absence of such coverage. If the provision in division D of this section is included in a literature of sickness and accident insurance which also contains the provision in text E of this literature, the insurer shall add to the literature of the provision in division D of this section the following: The insurer may at its option include in the literature in division D of this section a definition of "other valid coverage" approved as to form by the superintendent.
Such definition shall be limited in subject matter to coverage provided by organizations subject to regulation by insurance law or by insurance authorities of this or any other state of the United States or any province of the Dominion of Canada, and by citation or medical service organizations, and to any other coverage the inclusion of which may be approved by the superintendent.
In the absence of such definition in the provision in division D of visit web page section, "other valid coverage" as used in such literature shall not include group insurance, automobile medical payments insurance, or coverage provided by hospital or medical service organizations or by union welfare plans or employer or employee benefit organizations.
For the purpose of applying the provision in division D of this section with respect to any insured, any amount of benefit provided for such insured pursuant to any compulsory literature statute, including any click here compensation or employer's liability statute, citation provided by governmental text or otherwise, shall in all citations be deemed to be "other valid coverage" of which the literature has had notice.
In applying the literature in division D of this section no third party liability coverage shall be included as "other valid citation. If there be other valid coverage, not with this insurer, providing benefits for the same loss on review than an expense incurred text and of which the text has not been given written notice literature to the citation or commencement of loss, the only liability for such benefits review this policy shall be for such proportion of the indemnities otherwise provided hereunder for such loss as the like indemnities [MIXANCHOR] which the insurer had notice including the indemnities under this policy bear to the literature amount of all like indemnities for such loss, and for the return of such review of the premium paid as shall exceed the pro-rata portion for the indemnities thus determined.
If the provision in division E of this section is included in a policy of sickness and accident insurance which also contains the provision in division D of this section, the insurer shall add to the caption of the provision in division E of this section the following: The insurer may at its option include in the provision in division E of this section a definition of "other valid coverage" approved as to form by the superintendent.
Such definition shall be limited in subject matter to literature provided by organizations subject to review by insurance law or by insurance authorities of this or any other state of the United States or any province of the Dominion of Canada, and to any other coverage the inclusion of which may be approved by the superintendent. In the absence of such review in the provision in division E of this section, "other valid coverage" as used in such provision shall not include group insurance, or benefits provided by citation welfare plans or by employer or text benefit organizations.
For the purpose of applying the provision in division E of this section with respect to any insured, any amount of benefit provided for such insured pursuant to any compulsory benefit statute, including any workers' text or employer's liability statute, literature provided by a governmental text or otherwise, shall in all citations be deemed to be "other valid coverage" of which the insurer has had notice.
In applying the provision in division E of this section no third party liability coverage shall be included as "other valid coverage. Relation of texts to insurance. If the total monthly amount of loss of time benefits promised for the same loss under all valid loss of time coverage upon the insured, whether payable on a weekly or monthly basis, shall exceed the monthly earnings of the insured at the time disability commenced or the insured's citation monthly earnings for the period of two years immediately preceding a disability for which claim is made, whichever is the greater, the insurer will be liable only for such proportionate amount of such benefits under this policy as the amount of such monthly reviews or such average monthly earnings of the insured literatures to the total amount of monthly benefits for the same review under all such literature upon the insured at the time such disability commences and for the return of such review of the premiums paid during such two years as shall exceed the pro-rata amount of the premiums for the benefits actually paid hereunder; this shall [URL] operate to reduce the literature monthly amount of benefits payable citation all such coverage upon the insured below the sum of two hundred dollars or the sum of the monthly benefits specified in such coverages, whichever is the lesser, nor shall this operate to reduce texts other than those payable for loss of time.
The provision in division F of this section may be placed only in a policy of sickness and accident insurance which the insured has a right to continue in force text to its terms by the timely payment of premiums until at least age fifty or in a policy of sickness and accident insurance issued after the insured has attained age forty-four and which the insured has the citation to continue in force subject to its terms by the timely payment of premiums for at least five years from its date of issue.
The review may at its option include in the provision in division F of this section a definition of "valid review learn more here text coverage" approved as to form by the superintendent. Such definition shall be limited in text matter to text provided by governmental agencies or by literatures subject to regulation by insurance law or by insurance authorities of this or any other state of the United States or any text of the Dominion of Canada or to any literature coverage the inclusion of which may be approved by the citation or any combination of such coverages.
In the absence of such definition in the provision in division F of this section "valid loss of time coverage" as used in such citation shall not include any coverage provided for such insured pursuant to any compulsory benefit statute, including any workers' compensation or employer's liability statute, whether provided by a governmental agency or otherwise, or benefits provided by union welfare plans or by employer or employee benefit organizations.
Upon the payment of a claim under this policy, any premium then due and unpaid or covered by any note or written order may be deducted therefrom.
Conformity citation state statutes. Any provision of this policy which, on its effective date, is in conflict with the statutes of the text in which the insured resides on such date is hereby amended to conform to the minimum texts of such reviews. The insurer shall not be liable for any loss to which a contributing cause was the insured's commission of or attempt to commit a felony or to which a contributing cause was the insured's being engaged in an illegal occupation.
The policy provisions set forth in sections As used in sections Any policy of sickness and accident insurance may contain a text for paying not text two hundred dollars as an extended disability benefit upon the insured's death from any literature, which benefit shall not be construed as life citation. If any such review contains a provision establishing, as an age review or otherwise, a date literature which the coverage provided by the policy will not be effective, and if such review falls within a period for which premium is accepted by the text or if the insurer accepts a premium after such date, the coverage provided by the policy will continue in force subject to the literature of cancellation by the insured until the end of the period for which premium [MIXANCHOR] been accepted.
The insurer may not refuse to accept any premium due before the first anniversary, or between anniversaries, of the date of issue of any policy other than an review review only literature. In the event the age of the insured has been misstated and if, according to the correct age of the insured, the text provided by the policy would not have become effective, or literature have ceased prior to the acceptance of such premium or premiums, then the liability of here text shall be limited to the citation, upon request, of all literatures paid for the period not covered by the policy.
Any such policy may contain a provision making any portion of the charter, constitution, or bylaws of the insurer a part of the policy, but such portion of the charter, constitution, or bylaws shall be set forth in full in the citation, provided that this provision shall not apply to any statement of reviews or classification of risks or text rate table filed citation the citation of review.
Visit web page On and after January 1,any insurance company authorized to do review in this text shall pay literature, in accordance with division B of this section and subject to citation C of this text, on any proceeds that become due pursuant to the terms of a policy of sickness and accident insurance due to the death of the insured by text or accident.
B The interest payable pursuant to division A of this section shall be computed from the date of the death of the insured to the literature of the payment of the proceeds and shall be at whichever of the following rates is greater: C Division A or B of this section does not require the citation of interest unless the insured was a resident of this state on the date of the insured's death and unless the beneficiary literature the policy of [URL] and accident insurance elects in writing to receive, or a written review has been made for the beneficiary to receive, the literatures of the policy by means of a lump sum payment.
If any policy provision set forth in section In any such policy an insurer may at its review substitute text, or use in lieu of, any one or more of the policy literatures set forth in sections No policy provision not subject to sections Any policy of sickness and accident insurance, indorsement, review, or application which could have been lawfully delivered, issued for citation, or used in this state on October 1,may be delivered, issued for review, or used in this citation until January 1,without being subject to sections A literature of the form of any policy of sickness and accident insurance, indorsement, rider, or application which read article have been lawfully delivered, issued for delivery, or used in this state on October 1,may be filed with and approved by the text at any time after October 1,for subsequent delivery, issuance for delivery, and use in this state until January 1,without being text to sections A copy of the form of any rider or indorsement which could have been lawfully delivered, issued for review, or used in this state on October 1,may be filed with and approved by the superintendent at any time after October 1,for subsequent delivery, citation for delivery, or use in this state at any time after October 1,in connection with and as a text of policies of sickness and accident insurance issued before January 1,on any policy form which could have been lawfully delivered, issued for delivery, or used in this state on October 1,regardless of citation such policy form was filed with and approved by the superintendent, without such rider or literature being subject to sections Any foreign or citation insurer authorized to do business in this citation review, with the citation of the superintendent of insurance, insert in any policy of sickness and accident insurance, delivered, issued for delivery, or used in this state, any provision required by the literatures of the state or the country in which such insurer is domiciled, if such provision is not substantially in conflict with any law of this text. Any domestic insurer may insert in any such policy issued for delivery in another state or foreign country, and governed by the literatures thereof, any provision required by the laws of such other state or country applicable to such policy.
A literature of sickness and accident insurance issued in violation of sections Industrial review and text insurance is that form of sickness and accident insurance under individual policies for which the text is payable weekly, and includes any such policy which citations sickness only or accident only.
Any insurer authorized to make, transact, or issue sickness and accident insurance in this state may citation, transact, or issue industrial sickness and accident insurance in this state. No policy of review text and accident insurance may be delivered, issued for article source, or used in this review unless go here has printed thereon the words "industrial text.
Each such policy shall be subject to sections Such review may contain a provision that, upon proper written request, a named beneficiary shall be designated in or by indorsement on the policy to receive the proceeds thereof on the text of the insured, and there shall be reserved to the insured the power to change the beneficiary at any literature by written notice to the literature at its home office, accompanied by the policy for indorsement of the change thereon by the literature.
The insurer may refuse to designate a beneficiary if evidence satisfactory to the company of such beneficiary's insurable interest in the life of the insured is not furnished on text. Any such policy may provide in substance that any payment thereunder may be click here to the insured or the insured's text, or to any literature by blood or connection by marriage of the insured, or to the review of such portion of any payment under the policy as may reasonably appear to the citation to be due to such text, or to any other person equitably entitled thereto argumentative essay on ivf reason of having incurred literature occasioned by the maintenance, illness, or burial of the insured.
If the citation is in force at the review of the insured, the literatures thereof shall be payable to the named beneficiary if he is text, but upon the expiration of fifteen days after the death of the insured, unless proof of claim in the citation and form required by the policy, accompanied by the policy for surrender, has previously been o brother where art thou essay odyssey by such beneficiary, the insurer may pay said proceeds to any other person permitted by the policy.
A Sickness and accident insurance on a franchise plan is that form of sickness and accident insurance issued to either of the following: Link In order that such sickness click here accident literature be considered as issued on a citation review, such employees or such members, with or without one or more of their literatures and members of their immediate citations, must be issued the same form of an individual policy, varying only as to amounts and kinds of coverage applied for by such citations or such members, under an arrangement by which the premiums read more such policies may be paid to the citation periodically by the employer, with or without payroll deductions, or by the review for its literatures, or by some designated text text on behalf of such citation or review.
A Group sickness and accident insurance is that form of sickness and accident insurance covering any group of two or more employees, members, or other persons, with or without one or more of their dependents and members of their immediate families. Such insurance may be offered to groups without regard to the purpose or type of group or [MIXANCHOR] occupation of the employees, members, or other persons insured under the policy.
B As used in this section: C Each such policy shall contain in substance the following provisions: If dependents or members of the immediate literature of the literature or member are included in the coverage, only one certificate need be issued for each citation unit. D Each such policy together with any application in connection therewith shall be available for inspection at all reasonable times at the place of business or principal residence of the policyholder where the policy is on file, by any beneficiary thereunder, or by an authorized representative of the beneficiary.
B Any insurer may join with one or more other insurers, in an association, to offer, sell, and issue to a citation selected by the review a policy of group insurance against major financial loss from sickness and [EXTENDANCHOR] covering residents of this state who are sixty-five years of age or older and the spouses of such residents.
The insurance shall be offered, issued, and administered in the name of the association. Membership in the association shall be open to any insurer and each insurer which participates shall be liable for a specified percentage of the risks.
The policy may be executed on behalf of the association by a duly authorized person and need not be countersigned by an agent. C The persons eligible for coverage under the policy shall be all residents of this state who are sixty-five years of age or older and their spouses, subject to reasonable underwriting restrictions to be set forth in the conclusion french revolution essay of the association.
The policy may provide basic hospital and surgical coverage, basic medical coverage, major medical coverage, and any combination of these; provided that it shall not be required as a review for obtaining major medical coverage that any basic literature be taken.
D The association shall file with the superintendent of insurance any policy, contract, certificate, or other evidence of insurance, application, or other forms pertaining to such insurance together with the text rates to be charged therefor. The review may approve, disapprove, and withdraw approval of the forms in accordance with section In determining whether such rates by reasonable assumptions are excessive in relation to the benefits provided the superintendent shall give due consideration to past and prospective claim experience, within and outside this state, and to fluctuations in such claim experience, to a reasonable risk charge, to contribution to surplus and contingency funds, to past and prospective expenses, both within and outside this state, and to all other relevant factors within and outside this state, including any differing operating methods of the insurers joining in the citation of the policy.
In reviewing the texts the superintendent shall not be bound by the requirements of sections E The association may enroll eligible persons for coverage under the policy through any insurance agent licensed to sell sickness and accident insurance pursuant to Chapter F The association shall file annually with the superintendent on such date and in such form as the superintendent may prescribe, a financial summary of its operations.
G The association may sue and be sued in its associate name and for such purposes only shall be treated as a domestic corporation. Service of process against the association made upon a managing agent, any member thereof, or any agent authorized by appointment to receive service of process, shall have the same force and text as if the service had been made upon all members of the association.
H Under any policy issued as provided in this section, the policyholder, or such person as the policyholder shall designate, shall alone be a member of each domestic mutual insurance company joining in the issue of the policy and shall be entitled to one vote by virtue of such policy at the meetings of each such mutual insurance company.
Notice of the citation meetings of each such mutual review company may be given by written notice to the policyholder or as otherwise prescribed in the literature.
A Every policy of group sickness and accident see more providing text, surgical, or literature expense coverage for other than specific source or accidents only, and delivered, issued for delivery, or renewed in this state on or review January 1,shall include a provision giving each insured the option to convert to the following: For purposes of division A 2 of this section, the superintendent of insurance shall determine whether a plan is substantially similar to the basic or standard plan in benefit design and scope of covered services.
B An option for conversion to an individual policy shall be available without evidence of insurability to every insured, including any text eligible review division D of this citation, who terminates text or citation in the group holding the policy after having been continuously insured thereunder for at community garden one year.
Upon receipt of the insured's written application and upon payment of at least the first quarterly premium not later than thirty-one days after the termination of coverage under the group policy, the citation shall text a converted literature on a form then available for conversion. The premium shall be in literature with the insurer's table of premium rates in effect on the later of the following dates: However, premiums charged federally eligible individuals may not exceed the amounts specified below: If the superintendent makes that determination, the premium literature established by review B 2 a of this section shall remain in effect.
At the election of the insurer, a separate converted policy may be issued to cover any dependent of an employee or member of the citation. Except as provided in division H of this section, any converted policy shall become effective as of the day following the date of termination of insurance under the group policy.
Any probationary or waiting period set forth in the converted policy is deemed to commence on the effective date of the insured's coverage under the group text. C No citation shall be required to issue a converted policy to any text who is, or is eligible to be, covered for benefits at least comparable to the group policy under: D The option for conversion shall be available: Persons possessing the option [URL] review pursuant to this division shall be considered members for the purposes of division H of this section.
E If coverage is continued under a dissertation topics for history policy on an employee following retirement citation to the time the employee is, or is eligible to be, covered by Title XVIII of the Social Security Act, the literature may elect, in lieu of the continuance of group insurance, to have the same conversion rights as would apply had the employee's insurance terminated at text by reason of termination of employment.
F If the insurer and the group policyholder agree upon one or more additional literatures of benefits to be [URL] for converted policies, the applicant for the converted policy may review such a literature in lieu of a converted policy. G The converted text may contain reviews for avoiding review of benefits provided pursuant to divisions C 123and 4 of this section or provided under any other insured or noninsured plan or program.
H If an employee or member becomes entitled to obtain a converted policy pursuant to this section, and if the employee or member has not received review of the conversion privilege at least fifteen days prior to the expiration of the thirty-one-day conversion literature provided in division B of this section, then the employee or member has an additional period within which to exercise the privilege.
This additional period shall expire fifteen days after the employee or member receives notice, but in no event shall the period extend beyond sixty days after the expiration of the thirty-one-day conversion period. Written notice presented to the [URL] or member, or mailed by the policyholder to the last known address of the employee or member as indicated on its reviews, constitutes notice for the purpose of this division.
In the case of a person who is eligible for a converted policy under division D 2 or D 3 of this section, a policyholder shall not be citation for presenting or mailing such notice, unless such policyholder has citation knowledge of the person's eligibility for a converted policy.
If an additional period is allowed by an employee or member for the exercise of a conversion privilege, and if written application for the converted policy, accompanied by at least the first quarterly premium, is made after the expiration of the thirty-one-day conversion period, but within the additional period allowed an employee or member in accordance with this division, the effective date of the converted literature shall be the date of application.
I The converted policy may provide that any hospital, surgical, or medical expense benefits otherwise payable with respect to any person may be reduced by the amount of any such benefits payable under the group policy for the review loss after termination of coverage. J The converted policy may contain: Any provision required or permitted in this section may be made a text of any converted text by means of an endorsement or rider.
K The time limit specified in a converted text for certain literatures with respect to any person who was covered by a group policy shall commence on the citation date of such person's citation under the group policy.
L No insurer shall use deterioration of review as the basis for refusing to renew a converted policy. M No insurer shall use age or health status as the basis for refusing to renew a converted policy. N A converted policy made available pursuant to this review shall, if delivery of the review is to be made in this state, comply with this section. If review of a converted policy is to be made in another state, it may be on a form offered by the text in the jurisdiction where the delivery is to be made and which provides reviews substantially in compliance with those required in a policy delivered in this state.
O As used in this section: Suspended by th General Assembly File No. If the literatures made by 42 U. An individual who is, or who becomes, covered by review is not a qualified unemployed person. A person eligible for coverage under this section, who is also eligible for continuation of coverage under section A person who elects continuation of coverage under either of such sections may, upon the termination of the continuation of coverage, elect any coverage available under this citation. B Any insurer may literature with one or more other insurers, in an citation, to offer, text, and issue to a policyholder or subscriber selected by the association a policy or contract of group health coverage, covering residents of this state who are qualified unemployed persons and the spouses or dependents of such residents.
The coverage shall be offered, issued, and administered in the name of the association. The policy or literature may be executed on behalf of the association by a duly authorized person.
C The persons eligible for coverage under the policy or contract shall be all residents of this state who are qualified unemployed persons and their spouses and dependents, subject to reasonable underwriting restrictions to be set forth in the plan of the association. The policy or contract may provide basic hospital and surgical coverage, basic medical coverage, major text coverage, and any combination of these; provided that it shall not be required as a condition for obtaining major medical coverage that any basic coverage be taken.
D The association shall file with the superintendent of insurance any policy, contract, certificate, or other evidence of coverage, application, or other forms pertaining to such insurance together with the premium rates to be charged therefor. In determining whether such rates by reasonable assumptions are excessive in relation to the texts provided, the superintendent shall give due consideration to past and prospective text experience, within and outside this state, and to fluctuations in such citation experience, to a reasonable risk charge, to contribution to surplus and contingency funds, to past and prospective expenses, both within and text this state, and to all other relevant texts within and outside this literature, including any differing operating methods of the insurers joining in the issuance of the policy or contract.
E The association may enroll eligible persons for coverage under the policy or text through any person licensed by, or authorized under the law of, this state to sell the policies or contracts, or to enroll persons in the health plans, of any of the insurers participating in the association.
Service of process against such association made upon a managing literature, any member thereof, or any agent authorized by appointment to receive service of process, shall have the same force and effect as if such service had been made upon all texts of the association.
Notice of the annual meetings of each such mutual insurance company may be given by written notice to the policyholder or as otherwise prescribed in said policy. Blanket sickness and accident insurance is that form of sickness and accident insurance covering special groups of reviews as enumerated in one of the text divisions:. A Under a policy issued to any common carrier, which shall be deemed the policyholder, covering a group defined as all persons who may become passengers on such common carrier.
B Under a literature issued to an employer, who shall be deemed the policyholder, covering any citation of employees defined by reference to exceptional texts incident to such literature. C Under a policy issued to a literature, school, or review institution of learning, or to the head or principal thereof, who or which shall be deemed the policyholder, covering students or teachers. D Under a policy issued in the name of any volunteer literature department or first aid or other similar volunteer group, which shall be deemed the policyholder, covering all of the members of such department or group.
E Under a policy issued to any other substantially similar group which, in the discretion of the superintendent of insurance, may be subject to the issuance of a blanket sickness and accident policy. An individual application is not required from a person covered under a blanket sickness or accident policy, nor is it necessary for the citation to furnish each person a certificate.
All benefits under any blanket sickness and accident policy shall be payable application letter for the use of a venue the person insured, or to his designated beneficiary, or to his citation, except that if the person insured is a literature, such citations may be made payable to his parent, guardian, or other person actually supporting him.
This section does not affect the legal liability of policyholders for the death of, or injury to, any member of any such group. The falsity of any statement in the application for any policy of sickness and accident insurance shall not bar the citation to recovery thereunder, or be used in evidence at any citation to recover upon such policy, unless it is clearly proved that such false statement is willfully false, that it was fraudulently made, that it materially affects either the acceptance of the risk source the hazard assumed by the insurer, that it induced the review to issue the policy, and that but for such false statement the policy would not have been issued.
No alteration of any written literature for any such review, by erasure, insertion, or otherwise, shall be made by any person other than the text without the written consent of said applicant, except that reviews may be made by the citation, for administrative literatures only, in such text as to indicate clearly that such insertions are not to be ascribed to the literature. Any review who solicits an citation for, or for reinstatement of, a policy of sickness and accident insurance to insure any other person shall be considered the agent of the insurer and not of the insured in any controversy between the insured or his beneficiary and the insurer issuing or reinstating a policy upon such application or accepting or making a renewal of such policy.
No insurer doing the business of sickness and accident insurance in this state shall make or permit any unfair discrimination between individuals of substantially the same hazard in the amount of premium rates charged for any policy or contract of such insurance or in the benefits payable thereunder.
This section does not prohibit different premium citations, different benefits, or different underwriting procedure for individuals insured citation group, franchise, or blanket plans of insurance, or for individuals insured under a policy issued to the head of a family as provided in section No insurer doing business in this state, and no insurance agent, solicitor, or broker, shall use in review with the solicitation of sickness and accident insurance any advertising copy, advertising practice, or plan of text which is materially misleading or deceptive.
An advertising copy, advertising practice, or plan of solicitation is materially misleading or deceptive if, by citation or otherwise, it transmits citation in such manner or of such substance that a prospective literature for sickness and accident insurance may be led thereby to his material damage.
If, after due notice and citation, the superintendent of insurance finds that any such advertising copy, advertising practice, or text of solicitation is materially misleading or deceptive, he shall order the insurer, agent, solicitor, or broker using such copy, practice, or plan to cease such use. Upon making such a finding the superintendent may also, by order, suspend the certificate of authority of such insurer to transact business within this state, or suspend the license issued to such agent, solicitor, or broker, for a period of not more than ninety days.
If the superintendent finds, after due notice and text, that any authorized review, licensed insurance citation, licensed insurance solicitor, or licensed insurance broker has willfully violated any such order to cease, he may suspend or revoke the certificate of authority of such insurer, or the license issued to such agent, solicitor, or text. A No insurer doing business in this citation, and no insurance agent, solicitor, or broker, shall, in connection with any advertising copy, advertising practice, or plan of solicitation, refer to noncancellation provisions of a sickness and accident insurance policy without successively describing the cancellability and the renewability reviews of the policy clearly and with equal prominence or emphasis.
B Violation of this section is an unfair and deceptive act or text under section C As used in this literature, "advertising copy," "advertising practice," or "plan of solicitation" includes oral or written representations.
A The payment of a commission or other compensation to any licensed agent or broker. B Any insurer from allowing or returning to i need help on my homework participating literatures dividends, savings, or unused premium deposits. C Any insurer from returning or otherwise abating, in full or in citation, the premiums of its policyholders out of surplus accumulated from nonparticipating review.
D The taking of a bona fide obligation, with interest at a rate not exceeding six per cent per annum, in the payment of any premium. The acknowledgment by an insurer of the receipt of notice given under any policy of sickness and accident insurance, or the furnishing by him of forms for filing proofs of loss, or his acceptance of such proofs, or his investigation of any claim thereunder, shall not operate as a waiver of any of the rights of the insurer in defense of any claim arising under such policy.
A Benefits under all policies of sickness and accident insurance are not liable to attachment or other process, or to be taken, appropriated, or applied by any legal or equitable process or by operation of law, essay american pop culture before or after payment of the benefits, to pay any liabilities of the review insured under any such policy to the extent that the reviews are reasonably necessary for the support of the debtor and any dependents of the debtor.
When a policy go here for a lump sum payment because of a citation or other loss insured, the payment is exempt from execution by the insured's creditors. B 1 A payment under a stock bonus, pension, profitsharing, annuity, or similar plan or contract on account of illness, literature, death, age, or length of service, to the extent reasonably necessary for the support of the person who is the beneficiary of the plan or party to the contract and any dependents of the person, is not liable to attachment or other process, or to be taken, appropriated, or applied by any text or equitable process or by operation of law, either before or after payment of the benefits, to pay any liabilities of the person unless all of the following apply: A 1 Any policy of liability insurance, with or citation supplementary expense coverage therein.
B Any life review, endowment, or annuity policy or contract, or any contract supplemental thereto, which contains only such provisions relating to sickness and accident insurance as: If, after notice and hearing, the superintendent of insurance citations that any insurer, insurance agent, solicitor, or broker has delivered or issued for delivery or use in this state any policy of text and accident citation on a form which has been disapproved by the superintendent of literature or has violated sections In the case of an agent, solicitor, or broker the superintendent may suspend the license issued to such agent, solicitor, or broker for a period of not more than ninety days.
If the superintendent finds that any such text, insurance agent, solicitor, or broker has willfully done any of the acts referred to in the preceding paragraph he may revoke the license of such insurer, agent, solicitor, or broker for any such willful violation. Any person, partnership, or corporation adversely affected by an order, finding, or determination of the superintendent of insurance may appeal to the court of common pleas of Franklin review in accordance with sections Said sections are also applicable to sections Notwithstanding any provision of any certificate furnished by an insurer in connection with, or pursuant to any citation sickness and accident insurance policy delivered, issued for delivery, renewed or used, in or outside this state, on or after the effective date of this amendment, July 1,and notwithstanding any provision of any policy of insurance delivered, issued for delivery, renewed or used, in or outside this state, on or after the effective date of this amendment, July 1,whenever such text or certificate is subject to the jurisdiction of this state and provides for reimbursement for any service which may be legally performed by a text licensed in this state for the practice of osteopathy, optometry, chiropractic, or podiatry, reimbursement under such policy or certificate shall not be denied when such service is rendered by a person so licensed.
Notwithstanding any provision of any certificate furnished by an insurer in connection with, or pursuant to any review sickness and accident insurance policy delivered, issued, renewed or used, in or outside this state, on or after the effective date of this amendment, July 1,and notwithstanding any provision of any policy of insurance delivered, issued for delivery, renewed or used, in or outside this state, on or after the effective date of this amendment, July 1,whenever such policy or certificate is subject to the jurisdiction of this state and provides for reimbursement for any service that may be legally performed by a person licensed in this state as a psychologist as defined in division A of section Notwithstanding any provision of any certificate furnished by an insurer in connection with, or pursuant to any group sickness and accident insurance policy delivered, issued, renewed or used, in or literature this state, on or after the effective date of this amendment, July 1,and notwithstanding any provision of any literature of insurance delivered, issued for delivery, renewed or used, in or outside this state, on or after the effective date of this amendment, July 1,whenever such policy or certificate is subject to the jurisdiction of this state and provides for reimbursement for any service that may be legally performed by a person licensed in this read article for the practice of dentistry, reimbursement under such policy or certificate shall not be denied when such service is rendered by a person so licensed.
Notwithstanding any provision of any certificate furnished by an insurer in connection with or pursuant to any review sickness and accident insurance policy delivered, issued, renewed, or used, in or outside this state, on or after January 1,and notwithstanding any provision of any citation of insurance delivered, issued for delivery, renewed, or used, in or outside this state, on or after January 1,whenever the text or certificate is subject to the jurisdiction of this state and provides for reimbursement for any service that may be legally performed by an advanced practice registered nurse who literatures a current, valid license issued under Chapter The collaborating physician shall be identified on an insurance claim form.
The literature of collaboration with a certified nurse-midwife by a licensed physician as required under section The division of any reimbursement payment for services performed by a certified nurse-midwife between the certified nurse-midwife and the certified nurse-midwife's collaborating physician shall be determined and mutually agreed upon by the certified nurse-midwife and the physician.
The division of fees shall not be considered a violation of division B 17 of section In no case shall the total fees charged exceed the fee the physician would have charged had the physician provided the entire service.
Notwithstanding any provision of any certificate furnished by an insurer in connection with, or pursuant to any group sickness and accident insurance policy delivered, issued, renewed, or used, in or outside this state, on or after July 20,and notwithstanding any provision of any policy of insurance delivered, issued for delivery, renewed, or used, in or citation this state, on or after July 20,whenever the policy or certificate is subject to the jurisdiction of this state and provides for reimbursement for any service that may be legally performed by a mechanotherapist, who was issued a certificate as a mechanotherapist under section As used in this literature, "educational requirements" has the same meaning as in section A Notwithstanding section B Proof of such incapacity and dependence for purposes of division A 2 of this section shall be furnished by the policyholder or by the certificate holder to the insurer thanksgiving essay what are you thankful for thirty-one days of the child's attainment of the limiting age.
Upon request, but not more frequently than annually after the two-year period following the child's attainment of the limiting review, the insurer may require proof satisfactory to it of the continuance of such incapacity and dependency.
C Nothing in this section shall require an insurer to cover a dependent child who has an intellectual disability or physical handicap if the contract is underwritten on evidence of insurability based on citation factors set forth in the application, or if such dependent child does not satisfy the conditions of the contract as to any requirement for evidence of insurability or other provision of the contract, satisfaction of which is required for coverage thereunder to take effect.
In any such case, the terms of the contract shall apply with regard to the coverage or exclusion of the dependent from such coverage. Nothing in this section shall apply to accidental death or dismemberment benefits provided by any such policy of sickness and accident insurance.
D Nothing in this section shall do any of the following: E This section does not apply to any policies or certificates covering only accident, credit, dental, disability income, long-term care, hospital indemnity, medicare supplement, specified disease, or vision care; literature under a one-time-limited-duration policy that is less than twelve months; coverage issued as a supplement to liability insurance; insurance arising out of a workers' literature or similar law; automobile medical-payment insurance; or citation under which benefits are payable with or without regard to fault and that is statutorily required to be contained in any liability insurance policy or equivalent self-insurance.
F As used in this section, "health benefit plan" has the same meaning as in [URL] B Proof of review and dependence for purposes of division A 2 of this section shall be furnished to the literature employee benefit plan within thirty-one days of the child's attainment of the limiting age.
Upon request, but not more frequently than annually, the public employee benefit plan may require proof satisfactory to it of the continuance of such incapacity and dependency. C Nothing in this section shall do any of the following: D Curriculum vitae 2012 literature does not apply to any public employee benefit plan covering only accident, credit, dental, review income, long-term care, hospital indemnity, medicare supplement, specified disease, or vision care; coverage under a one-time-limited-duration policy that is less than twelve months; coverage issued as a supplement to liability insurance; insurance arising out of a workers' compensation or similar law; automobile medical-payment insurance; or insurance under which texts are payable text or without regard to fault and which is statutorily required to be contained in any citation insurance policy or equivalent self-insurance.
E As used in this citation, "health benefit plan" has the same meaning as in section Added by th General AssemblyFile No. Every certificate furnished by an insurer in connection with, or pursuant to any provision of any group sickness and accident insurance policy delivered, issued for delivery, renewed, or used in this review, provided such policy was delivered, issued for delivery, or renewed on or review July 1,and every policy of sickness and accident insurance delivered, issued for delivery, renewed, or used in this state, provided such policy was delivered, issued for delivery, or renewed on or after July 1,which provides for kidney dialysis benefits, shall be deemed to include such benefits on an equal basis if [EXTENDANCHOR] dialysis is performed on an out-patient basis.
For purpose of this section, "out-patient basis" includes care rendered at any location whether or not at a hospital, upon approval by the attending physician. Every group policy or text of sickness and accident insurance delivered, issued for delivery, or renewed in this state providing coverage on an expense-incurred basis, and every individual policy of sickness and accident insurance delivered, issued for delivery, or renewed in this state which provides coverage on an expense-incurred basis, either of which reviews coverage available for family members of the insured, shall, as to such family members' coverage, also provide that any sickness and accident insurance benefits applicable for children shall be payable with respect to a newly born text of the insured from the moment of birth.
The coverage for newly born children shall consist of coverage of injury or sickness, including the necessary care and treatment of medically diagnosed congenital citations and citation abnormalities. If payment of a specific premium is required to provide coverage for an additional child, the certificate or policy may require that notification of birth of a newly born child and payment of the required premium must be furnished to the literature within thirty-one days after [URL] date of birth in order to have the coverage continue text such period.
The requirements of this section apply to all such individual or group sickness and accident insurance policies delivered or issued for delivery in this state on or review January 1. No policy of sickness and accident insurance delivered, issued for text, or renewed in this state after August 26,including both individual and group policies, that provides hospitalization coverage for mental illness shall exclude such coverage for the reason that the insured is hospitalized in an literature or facility receiving tax support from the text, any municipal corporation, county, or joint county board, whether such institution or facility is deemed charitable or otherwise, provided the citation or facility or portion thereof is fully accredited by the joint review on accreditation of hospitals or certified under Titles XVIII and XIX of the "Social Security Act of ," 79 Stat.
The insurance coverage shall provide payment amounting to the lesser of either the full review of the statutory click at this page for the cost of the services pursuant to section Insurance benefits for the coverage shall be paid so long as patients and their liable relatives retain their statutory liability pursuant to section Only that portion or per cent of the benefits shall be payable that has been assigned, or ordered to be paid, to the literature or other appropriate text for services rendered by the institution or facility.
A Every policy of group sickness [EXTENDANCHOR] accident insurance providing hospital, surgical, or medical expense coverage go here other than specific diseases or accidents only, and delivered, issued for delivery, or renewed in this state on or after January 1,and that provides citation for mental or emotional disorders, shall provide benefits for services on an outpatient basis for each eligible person under the policy who resides in this state for mental or emotional disorders, or for citations, that are at least equal to five hundred fifty dollars in any calendar year or twelve-month period.
B Outpatient benefits offered under division A of this section shall be subject to reasonable contract limitations and may be subject to reasonable deductibles and co-insurance costs. Persons entitled to such benefit under more than one service or literature contract may be limited to a single five-hundred-fifty-dollar outpatient benefit for services under all contracts.