Senate Bill S6014B

Signed By Governor

2009-2010 Legislative Session

Relates to group life and group accident and health insurance policies

download bill text pdf

Archive: Last Bill Status - Signed by Governor

Introduced
- In Committee Assembly
- In Committee Senate
- On Floor Calendar Assembly
- On Floor Calendar Senate
- Passed Assembly
- Passed Senate
Delivered to Governor
Signed By Governor

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Actions

View Actions

Date of Action	Assembly Actions - Lowercase Senate Actions - UPPERCASE
Sep 17, 2010	signed chap.515
Sep 07, 2010	delivered to governor
Jun 23, 2010	returned to senate passed assembly ordered to third reading rules cal.293 substituted for a8545b
Jun 18, 2010	referred to insurance delivered to assembly passed senate
Jun 14, 2010	amended on third reading 6014b
Jun 09, 2010	advanced to third reading
Jun 08, 2010	2nd report cal.
Jun 07, 2010	1st report cal.751
Jan 06, 2010	referred to insurance
Jun 21, 2009	print number 6014a
Jun 21, 2009	amend and recommit to rules
Jun 19, 2009	referred to rules

Votes

- Jun 18, 2010 - Floor Vote
  S6014B
  
  Aye
  
  58
  
  Nay
  
  0
  
  Absent
  
  0
  
  Excused
  
  4
  
  Abstained
  
  0
  - - Floor Vote: Jun 18, 2010
      
      aye (58)
      
      Adams
      
      Addabbo Jr.
      
      Alesi
      
      Aubertine
      
      Bonacic
      
      Breslin
      
      DeFrancisco
      
      Diaz
      
      Dilan
      
      Duane
      
      Espada
      
      Farley
      
      Flanagan
      
      Foley
      
      Fuschillo
      
      Griffo
      
      Hannon
      
      Hassell-Thompson
      
      Huntley
      
      Johnson
      
      Johnson
      
      Klein
      
      Krueger
      
      Kruger
      
      LaValle
      
      Lanza
      
      Larkin
      
      Leibell
      
      Libous
      
      Little
      
      Marcellino
      
      Maziarz
      
      McDonald
      
      Montgomery
      
      Nozzolio
      
      Onorato
      
      Padavan
      
      Parker
      
      Peralta
      
      Perkins
      
      Ranzenhofer
      
      Robach
      
      Saland
      
      Sampson
      
      Savino
      
      Serrano
      
      Seward
      
      Skelos
      
      Smith
      
      Squadron
      
      Stachowski
      
      Stavisky
      
      Stewart-Cousins
      
      Thompson
      
      Valesky
      
      Volker
      
      Winner
      
      Young
      
      excused (4)
      
      Golden
      
      Morahan
      
      Oppenheimer
      
      Schneiderman
  Jun 7, 2010 - Insurance Committee Vote
  S6014B
  
  Aye
  
  17
  
  Nay
  
  0
  
  Aye with Reservations
  
  1
  
  Absent
  
  0
  
  Excused
  
  0
  
  Abstained
  
  0
  - - Insurance Committee Vote: Jun 7, 2010
      
      aye (17)
      
      Alesi
      
      Breslin
      
      Diaz
      
      Espada
      
      Golden
      
      Kruger
      
      LaValle
      
      Larkin
      
      Leibell
      
      McDonald
      
      Parker
      
      Peralta
      
      Sampson
      
      Seward
      
      Stachowski
      
      Thompson
      
      Young
      
      aye wr (1)
      
      Johnson

Bill Amendments

2009-S6014 - Details

See Assembly Version of this Bill:: A8545
Law Section:: Insurance Law
Laws Affected:: Amd §§4216 & 4235, Ins L

2009-S6014 - Summary

Relates to group life and group accident and health insurance policies; revises certain provisions relating to minimum participation requirements by employees in group life and certain group accident and health insurance contracts.

2009-S6014 - Sponsor Memo

                                 BILL NUMBER:  S6014

 TITLE OF BILL :
An act to amend the insurance law, in relation to group life and group
accident and health insurance policies


 PURPOSE :
This bill would amend §§4216 and 4235 of the insurance law to revise
certain provisions relating to requisite minimum participation
requirements by employees in group life and certain group accident and
health insurance contracts.

 SUMMARY OF PROVISIONS :
This bill would amend paragraph (1) of subsection (b) of section 4216
of the insurance law to, for groups of 25 or less, reduce the minimum
number of eligible employees that must be insured under a group life
insurance plan to 50% of eligible employees or five, whichever is
less. This bill would also make a similar amendment to subparagraph
(A) of paragraph (1) of subsection (c) of section 4235 of the
insurance relating to group accident and health insurance, with the
exception being that the current minimum group participation
requirements will continue for hospital, medical, major medical or
similar comprehensive type expense reimbursed coverage but will be
reduced in groups of 25 or less for all other types of group accident
and health insurance (disability, long term care, vision, dental,

etc...).

 CURRENT PROVISIONS :
For both group life and group accident and health insurance contracts,
current law establishes that such contract should cover not less than
fifty percent or, if less, fifty or more of such eligible employees.

 JUSTIFICATION :
In recent years, employee benefits have changed significantly. There
was a time when employers paid a substantial portion or even all of
the cost of employee benefits.  Many corporations still do but, due to
the increasing burden of insurance costs, employers of all sizes have
also been forced to reduce their contributions to the benefit plans
offered to their employees, in order to continue to afford such
employee coverage.  Employees have increasingly been asked to share
these costs with their employer. Today, 25% of the group life
insurance market is fully voluntary, in that the employee elects
coverage and may pay some or all of the premiums for such coverage. By
offering these voluntary products through an employer group, the
employer can offer their employees the advantages of payroll
deduction, limited underwriting and other efficiencies in
administration that can oftentimes lead to cheaper insurance premiums
for the employee.

In looking at how best to meet the demands of the marketplace, in
particular to small businesses, it was determined that certain
restrictions in the group laws of several states, including New York,
created an impediment to a number of otherwise common group offerings.
These provisions, written many years ago for a purpose that no longer
exists (to protect insurers from adverse selection in the underwriting
process), restrict employee access to voluntary coverage.  Given the
realities of to day's employer group market, these outdated laws are
ill-suited to protect and benefit consumers.

This bill would remove these impediments and create the ability for
insurers to tailor more attractive and available group coverage for
employers and employees in New York. It would allow insurers to offer
group coverage to employees of any employer who elect to take part in
a group life, disability income, long term care, vision or dental

policy by removing the current restriction that the group must be of a
sufficient size in order to qualify for group coverage.

 PRIOR LEGISLATIVE HISTORY :
2008: S.7766

 FISCAL IMPLICATIONS :
No known costs to the State are associated with this bill.

 EFFECTIVE DATE :
This act shall take effect immediately.

2009-S6014 - Bill Text download pdf

                            
                    S T A T E   O F   N E W   Y O R K
________________________________________________________________________

                                  6014

                       2009-2010 Regular Sessions

                            I N  S E N A T E

                              June 19, 2009
                               ___________

Introduced  by  Sen. BRESLIN -- read twice and ordered printed, and when
  printed to be committed to the Committee on Rules

AN ACT to amend the insurance law, in relation to group life  and  group
  accident and health insurance policies

  THE  PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND ASSEM-
BLY, DO ENACT AS FOLLOWS:

  Section 1. Paragraph 1 of subsection (b) of section 4216 of the insur-
ance law, as amended by chapter 369 of the laws of 1985, is  amended  to
read as follows:
  (1)  A  policy  issued to an employer or to a trustee or trustees of a
fund established by an employer, which employer  or  trustees  shall  be
deemed the policyholder, insuring with or without evidence of individual
insurability  satisfactory  to  the insurer, employees of such employer,
and insuring, except as hereinafter provided, all of such  employees  or
all  of any class or classes thereof determined by conditions pertaining
to the employment, or by a combination of such conditions and conditions
pertaining to the family status of the employee, for amounts  of  insur-
ance  on  each  person  insured based upon some plan which will preclude
individual selection. However, such a plan may permit a  limited  number
of  selections by employees if the selections offered utilize a consist-
ent pattern of grading the amounts of  insurance  for  individual  group
members  so  that  the resulting pattern of coverage is reasonable.  The
premium for the policy shall be paid by the policyholder, either  wholly
from  the  employer's  funds  or  funds contributed by him or from funds
contributed by the insured employees, or from funds contributed  jointly
by  the  employer  and employees. If all or part of the premium is to be
derived from funds contributed by the  insured  employees,  such  policy
must  insure  not less than fifty percent of such eligible employees or,
if less, fifty or more of such employees; PROVIDED  THAT  FOR  EMPLOYERS
WITH  TWENTY-FIVE  OR  FEWER EMPLOYEES AT ISSUE, SUCH POLICY MUST INSURE
NOT LESS THAN FIFTY PERCENT OF SUCH ELIGIBLE EMPLOYEES OR, IF LESS, FIVE

 EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
                      [ ] is old law to be omitted.
                                                           LBD09479-06-9

S. 6014                             2

OR MORE OF SUCH EMPLOYEES.   Except as provided  in  subsection  (b)  of
section  four  thousand  two  hundred  thirty-one of this article and in
paragraph five of subsection (a) of section three thousand  two  hundred
twenty  of  this  chapter,  such policy shall provide for payment of all
benefits thereunder, to the person insured or  to  some  beneficiary  or
beneficiaries  other  than the employer, and shall provide for the issu-
ance of a certificate to the policyholder for  delivery  to  the  person
insured or to such beneficiary, as evidence of such insurance.
  S 2. Subparagraph (A) of paragraph 1 of subsection (c) of section 4235
of  the  insurance law, as separately amended by chapters 369 and 846 of
the laws of 1985, is amended to read as follows:
  (A) A policy issued to an employer or to a trustee or  trustees  of  a
fund  established  by an employer, which employer or trustee or trustees
shall be deemed the policyholder, insuring with or without  evidence  of
insurability  satisfactory  to  the insurer, employees of such employer,
and insuring, except as hereinafter provided, all of such  employees  or
all  of any class or classes thereof determined by conditions pertaining
to the employment or a combination of  such  conditions  and  conditions
pertaining  to the family status of the employee, for insurance coverage
on each person insured based upon some plan which will preclude individ-
ual selection. However, such a plan  may  permit  a  limited  number  of
selections  by  employees  if  the selections offered utilize consistent
plans of coverage for individual group members  so  that  the  resulting
plans  of  coverage  are reasonable. The premium for the policy shall be
paid by the policyholder, either from  the  employer's  funds,  or  from
funds  contributed  by  the insured employees, or from funds contributed
jointly by the employer and employees. If all or part of the premium  is
to be derived from funds contributed by the insured employees, then such
policy  must insure not less than fifty percent of such eligible employ-
ees or, if less, fifty or more of  such  employees;  PROVIDED  THAT  FOR
EMPLOYERS WITH TWENTY-FIVE OR FEWER EMPLOYEES AT ISSUE, A POLICY PROVID-
ING  COVERAGE FOR OTHER THAN HOSPITAL, MEDICAL, MAJOR MEDICAL OR SIMILAR
COMPREHENSIVE TYPES OF EXPENSE REIMBURSED COVERAGE MUST INSURE NOT  LESS
THAN  FIFTY PERCENT OF SUCH ELIGIBLE EMPLOYEES OR, IF LESS, FIVE OR MORE
OF SUCH EMPLOYEES.
  S 3. This act shall take effect immediately.

2009-S6014A - Details

See Assembly Version of this Bill:: A8545
Law Section:: Insurance Law
Laws Affected:: Amd §§4216 & 4235, Ins L

2009-S6014A - Summary

2009-S6014A - Sponsor Memo

                                 BILL NUMBER:  S6014A

 TITLE OF BILL :
An act to amend the insurance law, in relation to group life and group
accident and health insurance policies


 PURPOSE :
This bill would amend §§4216 and 4235 of the insurance law to revise
certain provisions relating to requisite minimum participation
requirements by employees in group life and certain group accident and
health insurance contracts.

 SUMMARY OF PROVISIONS :
This bill would amend paragraph (1) of subsection (b) of section 4216
of the insurance law to, for groups of 25 or less, reduce the minimum
number of eligible employees that must be insured under a group life
insurance plan to 50% of eligible employees or five, whichever is
less. This bill would also make a similar amendment to subparagraph
(A) of paragraph (1) of subsection (c) of section 4235 of the
insurance relating to group accident and health insurance, with the
exception being that the current minimum group participation
requirements will continue for hospital, medical, major medical or
similar comprehensive type expense reimbursed coverage but will be
reduced in groups of 25 or less for all other types of group accident
and health insurance (disability, long term care, vision, dental,

etc...).

 CURRENT PROVISIONS :
For both group life and group accident and health insurance contracts,
current law establishes that such contract should cover not less than
fifty percent or, if less, fifty or more of such eligible employees.

 JUSTIFICATION :
In recent years, employee benefits have changed significantly. There
was a time when employers paid a substantial portion or even all of
the cost of employee benefits.  Many corporations still do but, due to
the increasing burden of insurance costs, employers of all sizes have
also been forced to reduce their contributions to the benefit plans
offered to their employees, in order to continue to afford such
employee coverage.  Employees have increasingly been asked to share
these costs with their employer. Today, 25% of the group life
insurance market is fully voluntary, in that the employee elects
coverage and may pay some or all of the premiums for such coverage. By
offering these voluntary products through an employer group, the
employer can offer their employees the advantages of payroll
deduction, limited underwriting and other efficiencies in
administration that can oftentimes lead to cheaper insurance premiums
for the employee.

In looking at how best to meet the demands of the marketplace, in
particular to small businesses, it was determined that certain
restrictions in the group laws of several states, including New York,
created an impediment to a number of otherwise common group offerings.
These provisions, written many years ago for a purpose that no longer
exists (to protect insurers from adverse selection in the underwriting
process), restrict employee access to voluntary coverage.  Given the
realities of today's employer group market, these outdated laws are
ill-suited to protect and benefit consumers.

This bill would remove these impediments and create the ability for
insurers to tailor more attractive and available group coverage for
employers and employees in New York. It would allow insurers to offer
group coverage to employees of any employer who elect to take part in
a group life, disability income, long term care, vision or dental

policy by removing the current restriction that the group must be of a
sufficient size in order to qualify for group coverage.

 PRIOR LEGISLATIVE HISTORY :
2008: S.7766

 FISCAL IMPLICATIONS :
No known costs to the State are associated with this bill.

 EFFECTIVE DATE :
This act shall take effect immediately.

2009-S6014A - Bill Text download pdf

                            
                    S T A T E   O F   N E W   Y O R K
________________________________________________________________________

                                 6014--A

                       2009-2010 Regular Sessions

                            I N  S E N A T E

                              June 19, 2009
                               ___________

Introduced  by  Sen. BRESLIN -- read twice and ordered printed, and when
  printed to be  committed  to  the  Committee  on  Rules  --  committee
  discharged, bill amended, ordered reprinted as amended and recommitted
  to said committee

AN  ACT  to amend the insurance law, in relation to group life and group
  accident and health insurance policies

  THE PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND  ASSEM-
BLY, DO ENACT AS FOLLOWS:

  Section 1. Paragraph 1 of subsection (b) of section 4216 of the insur-
ance  law,  as amended by chapter 369 of the laws of 1985, is amended to
read as follows:
  (1) A policy issued to an employer or to a trustee or  trustees  of  a
fund  established  by  an  employer, which employer or trustees shall be
deemed the policyholder, insuring with or without evidence of individual
insurability satisfactory to the insurer, employees  of  such  employer,
and  insuring,  except as hereinafter provided, all of such employees or
all of any class or classes thereof determined by conditions  pertaining
to the employment, or by a combination of such conditions and conditions
pertaining  to  the family status of the employee, for amounts of insur-
ance on each person insured based upon some  plan  which  will  preclude
individual  selection.  However, such a plan may permit a limited number
of selections by employees if the selections offered utilize a  consist-
ent  pattern  of  grading  the amounts of insurance for individual group
members so that the resulting pattern of coverage is  reasonable.    The
premium  for the policy shall be paid by the policyholder, either wholly
from the employer's funds [or funds contributed by him]  or  from  funds
contributed  by the insured employees, or from funds contributed jointly
by the employer and employees. If all or part of the premium  is  to  be
derived  from  funds  contributed  by the insured employees, such policy
must insure not less than fifty percent of such eligible  employees  or,
if  less,  fifty  or more of such employees; PROVIDED THAT FOR EMPLOYERS

 EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
                      [ ] is old law to be omitted.
                                                           LBD09479-07-9

S. 6014--A                          2

WITH TWENTY-FIVE OR FEWER EMPLOYEES AT ISSUE, SUCH  POLICY  MUST  INSURE
NOT LESS THAN FIFTY PERCENT OF SUCH ELIGIBLE EMPLOYEES OR, IF LESS, FIVE
OR  MORE  OF  SUCH  EMPLOYEES.   Except as provided in subsection (b) of
section  four  thousand  two  hundred  thirty-one of this article and in
paragraph five of subsection (a) of section three thousand  two  hundred
twenty  of  this  chapter,  such policy shall provide for payment of all
benefits thereunder, to the person insured or  to  some  beneficiary  or
beneficiaries  other  than the employer, and shall provide for the issu-
ance of a certificate to the policyholder for  delivery  to  the  person
insured or to such beneficiary, as evidence of such insurance.
  S 2. Subparagraph (A) of paragraph 1 of subsection (c) of section 4235
of  the  insurance law, as separately amended by chapters 369 and 846 of
the laws of 1985, is amended to read as follows:
  (A) A policy issued to an employer or to a trustee or  trustees  of  a
fund  established  by an employer, which employer or trustee or trustees
shall be deemed the policyholder, insuring with or without  evidence  of
insurability  satisfactory  to  the insurer, employees of such employer,
and insuring, except as hereinafter provided, all of such  employees  or
all  of any class or classes thereof determined by conditions pertaining
to the employment or a combination of  such  conditions  and  conditions
pertaining  to the family status of the employee, for insurance coverage
on each person insured based upon some plan which will preclude individ-
ual selection. However, such a plan  may  permit  a  limited  number  of
selections  by  employees  if  the selections offered utilize consistent
plans of coverage for individual group members  so  that  the  resulting
plans  of  coverage  are reasonable. The premium for the policy shall be
paid by the policyholder, either from  the  employer's  funds,  or  from
funds  contributed  by  the insured employees, or from funds contributed
jointly by the employer and employees. If all or part of the premium  is
to be derived from funds contributed by the insured employees, then such
policy  must insure not less than fifty percent of such eligible employ-
ees or, if less, fifty or more of  such  employees;  PROVIDED  THAT  FOR
EMPLOYERS WITH TWENTY-FIVE OR FEWER EMPLOYEES, A POLICY PROVIDING COVER-
AGE  FOR  OTHER THAN HOSPITAL, MEDICAL, MAJOR MEDICAL OR SIMILAR COMPRE-
HENSIVE TYPES OF EXPENSE REIMBURSED COVERAGE MUST INSURE NOT  LESS  THAN
FIFTY  PERCENT  OF  SUCH ELIGIBLE EMPLOYEES OR, IF LESS, FIVE OR MORE OF
SUCH EMPLOYEES.
  S 3. This act shall take effect immediately.

2009-S6014B (ACTIVE) - Details

See Assembly Version of this Bill:: A8545
Law Section:: Insurance Law
Laws Affected:: Amd §§4216 & 4235, Ins L

2009-S6014B (ACTIVE) - Summary

2009-S6014B (ACTIVE) - Sponsor Memo

                                BILL NUMBER:S6014B

TITLE OF BILL:
An act to amend the insurance law, in relation to group life and group
accident and health insurance policies

PURPOSE OR GENERAL IDEA OF BILL:
This bill would amend §§4216 and 4235 of the insurance law to revise
certain provisions relating to requisite minimum participation require-
ments by employees in group life and certain group accident and health
insurance contracts.

SUMMARY OF SPECIFIC PROVISIONS:
This bill would amend paragraph (1) of subsection (b) of section 4216 of
the insurance law to reduce the minimum number of eligible employees
that must be insured under a group life insurance plan to 50% of eligi-
ble employees or five, whichever is fewer. This bill would also make a
similar amendment to subparagraph (A) of paragraph (1) of subsection (c)
of section 4235 of the insurance relating to group accident and health
insurance, with the exception being that the current minimum group
participation requirements will continue for hospital, medical, major
medical or similar comprehensive type expense reimbursed coverage but
will be for all other types of group accident and health insurance
(disability, long term care, vision, dental, etc.).

CURRENT PROVISIONS:

For both group life and group accident and health insurance contracts,
current law establishes that such contract should cover not less than
fifty percent or, if less, fifty or more of such eligible employees.

JUSTIFICATION:
In recent years, employee benefits have changed significantly. There was
a time when employers paid a substantial portion or even all of the cost
of employee benefits. Many corporations still do but, due to the
increasing burden of insurance costs, employers of all sizes have also
been forced to reduce their contributions to the benefit plans offered
to their employees, in order to continue to afford such employee cover-
age. Employees have increasingly been asked to share these costs with
their employer. Today, 25% of the group life insurance market is fully
voluntary, in that the employee elects coverage and may pay some or all
of the premiums for such coverage. By offering these voluntary products
through an employer group, the employer can offer their employees the
advantages of payroll deduction, limited underwriting and other effi-
ciencies in administration that can oftentimes lead to cheaper insurance
premiums for the employee.

In looking at how best to meet the demands of the marketplace, it was
determined that certain restrictions in the group laws of several
states, including New York, created an impediment to a number of other-
wise common group Offerings. These provisions, written many years ago
for a purpose that no longer exists (to protect insurers from adverse

selection in the underwriting process), restrict employee access to
voluntary coverage. Given the realities of today's employer group
market, these outdated laws are ill-suited to protect and benefit
consumers.

This bill would remove these impediments and create the ability for
insurers to tailor more attractive and available group coverage for
employers and employees in New York. It would allow insurers to offer
group coverage to employees of any employer who elect to take part in a
group life, disability income, long term care, vision or dental policy
by removing the current restriction that the group must be of a suffi-
cient size in order to qualify for group coverage.

By doing this, the law will enable more coverage of this type to be
issued in the group setting and, consequently, more state residents to
have such coverage. The more people who have group life, disability
income and long term care insurance, the fewer who may need public
assistance in times of hardship.

PRIOR LEGISLATIVE HISTORY:
2008: S.7766

FISCAL IMPLICATIONS:
No known costs to the State are associated with this bill.

EFFECTIVE DATE:
This act shall take effect immediately.

2009-S6014B (ACTIVE) - Bill Text download pdf

                            
                    S T A T E   O F   N E W   Y O R K
________________________________________________________________________

                                 6014--B
    Cal. No. 751

                       2009-2010 Regular Sessions

                            I N  S E N A T E

                              June 19, 2009
                               ___________

Introduced  by  Sen. BRESLIN -- read twice and ordered printed, and when
  printed to be  committed  to  the  Committee  on  Rules  --  committee
  discharged, bill amended, ordered reprinted as amended and recommitted
  to  said  committee  --  recommitted  to the Committee on Insurance in
  accordance with Senate Rule 6, sec. 8 -- reported favorably from  said
  committee,  ordered  to  first  and  second report, ordered to a third
  reading, amended and ordered reprinted, retaining  its  place  in  the
  order of third reading

AN  ACT  to amend the insurance law, in relation to group life and group
  accident and health insurance policies

  THE PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND  ASSEM-
BLY, DO ENACT AS FOLLOWS:

  Section 1. Paragraph 1 of subsection (b) of section 4216 of the insur-
ance  law,  as amended by chapter 369 of the laws of 1985, is amended to
read as follows:
  (1) A policy issued to an employer or to a trustee or  trustees  of  a
fund  established  by  an  employer, which employer or trustees shall be
deemed the policyholder, insuring with or without evidence of individual
insurability satisfactory to the insurer, employees  of  such  employer,
and  insuring,  except as hereinafter provided, all of such employees or
all of any class or classes thereof determined by conditions  pertaining
to the employment, or by a combination of such conditions and conditions
pertaining  to  the family status of the employee, for amounts of insur-
ance on each person insured based upon some  plan  which  will  preclude
individual  selection.  However, such a plan may permit a limited number
of selections by employees if the selections offered utilize a  consist-
ent  pattern  of  grading  the amounts of insurance for individual group
members so that the resulting pattern of coverage is  reasonable.    The
premium  for the policy shall be paid by the policyholder, either wholly
from the employer's funds [or funds contributed by him]  or  from  funds
contributed  by the insured employees, or from funds contributed jointly

 EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
                      [ ] is old law to be omitted.

                                                           LBD09479-09-0

S. 6014--B                          2

by the employer and employees. If all or part of the premium  is  to  be
derived  from  funds  contributed  by the insured employees, such policy
must insure [not less than] A MINIMUM OF fifty percent [of such eligible
employees or, if less, fifty or more] OR FIVE of such ELIGIBLE employees
WHICHEVER IS FEWER. Except as provided in subsection (b) of section four
thousand two hundred thirty-one of this article and in paragraph five of
subsection  (a)  of  section  three  thousand two hundred twenty of this
chapter, such policy shall provide for payment of  all  benefits  there-
under,  to  the  person  insured or to some beneficiary or beneficiaries
other than the employer, and shall provide for the issuance of a certif-
icate to the policyholder for delivery to the person insured or to  such
beneficiary, as evidence of such insurance.
  S 2. Subparagraph (A) of paragraph 1 of subsection (c) of section 4235
of  the  insurance law, as separately amended by chapters 369 and 846 of
the laws of 1985, is amended to read as follows:
  (A) A policy issued to an employer or to a trustee or  trustees  of  a
fund  established  by an employer, which employer or trustee or trustees
shall be deemed the policyholder, insuring with or without  evidence  of
insurability  satisfactory  to  the insurer, employees of such employer,
and insuring, except as hereinafter provided, all of such  employees  or
all  of any class or classes thereof determined by conditions pertaining
to the employment or a combination of  such  conditions  and  conditions
pertaining  to the family status of the employee, for insurance coverage
on each person insured based upon some plan which will preclude individ-
ual selection. However, such a plan  may  permit  a  limited  number  of
selections  by  employees  if  the selections offered utilize consistent
plans of coverage for individual group members  so  that  the  resulting
plans  of  coverage  are reasonable. The premium for the policy shall be
paid by the policyholder, either from  the  employer's  funds,  or  from
funds  contributed  by  the insured employees, or from funds contributed
jointly by the employer and employees. If all or part of the premium  is
to be derived from funds contributed by the insured employees, then such
policy  must insure not less than fifty percent of such eligible employ-
ees or, if less, fifty or more of such employees  WHEN  SUCH  POLICY  IS
PROVIDING COVERAGE FOR GROUP HOSPITAL, MEDICAL, MAJOR MEDICAL OR SIMILAR
COMPREHENSIVE  TYPES  OF EXPENSE REIMBURSED INSURANCE AND, FOR ALL OTHER
TYPES OF GROUP ACCIDENT AND HEALTH INSURANCE, MUST INSURE A  MINIMUM  OF
FIFTY PERCENT OR FIVE OF SUCH ELIGIBLE EMPLOYEES, WHICHEVER IS FEWER.
  S 3. This act shall take effect immediately.

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Senate Bill S6014B

Signed By Governor

Sponsored By

Archive: Last Bill Status - Signed by Governor

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Votes

Jun 18, 2010 - Floor Vote

Floor Vote: Jun 18, 2010

Jun 7, 2010 - Insurance Committee Vote

Insurance Committee Vote: Jun 7, 2010

Bill Amendments

2009-S6014 - Details

2009-S6014 - Summary

2009-S6014 - Sponsor Memo

2009-S6014 - Bill Text download pdf

2009-S6014A - Details

2009-S6014A - Summary

2009-S6014A - Sponsor Memo

2009-S6014A - Bill Text download pdf

2009-S6014B (ACTIVE) - Details

2009-S6014B (ACTIVE) - Summary

2009-S6014B (ACTIVE) - Sponsor Memo

2009-S6014B (ACTIVE) - Bill Text download pdf

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Senate Bill S6014B

Signed By Governor

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Sponsored By

Neil D. Breslin

Archive: Last Bill Status - Signed by Governor

Actions

Votes

Bill Amendments

2009-S6014 - Details

2009-S6014 - Summary

2009-S6014 - Sponsor Memo

2009-S6014 - Bill Text download pdf

2009-S6014A - Details

2009-S6014A - Summary

2009-S6014A - Sponsor Memo

2009-S6014A - Bill Text download pdf

2009-S6014B (ACTIVE) - Details

2009-S6014B (ACTIVE) - Summary

2009-S6014B (ACTIVE) - Sponsor Memo

2009-S6014B (ACTIVE) - Bill Text download pdf

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