Premiums

First Circuit Permits Insurer to Retain Policy Premiums Despite Rescission

by Aaron Mandel | Sedgwick LLP on 5/16/2013

Courts often require insurers to return premiums (or at least offer to return them) when rescinding an insurance policy. Some states may even require it under statute. The reason is that rescission is an equitable remedy...more

Converted Individual Disability Policies Governed by ERISA?

by D. Michael Reilly | Lane Powell PC - ERISA Law on 5/15/2013

You already know that an individual disability policy may nevertheless be governed by ERISA, even when the employee pays her own premium. This can occur when the employees benefit from a rate structure or premium discount...more

CFPB proposes delay in effective date of Reg Z prohibition on financing credit insurance premiums

by Alan S. Kaplinsky | Ballard Spahr LLP on 5/13/2013

The CFPB has issued a proposal to temporarily delay the June 1, 2013 effective date of the Regulation Z prohibition on financing credit insurance premiums (Section 1026.36(i)). The proposal responds to concerns raised by...more

Governor’s Proposal Could Give Ohio State Funded Employers Two Billion Dollars

by Joan Verchot | Dinsmore & Shohl LLP on 5/6/2013

Governor Kasich has proposed what could result in a refund of a full-year of premiums to Ohio employers over the next two years. Specifically, he has proposed a $1 billion rebate for the policy year beginning on July 1, 2011...more

Recent Developments in New York's Taxation of Unauthorized Life Insurers

by Stanley Kaminski, Hugh T. McCormick | Duane Morris LLP on 5/3/2013

Prior to 2012, New York afforded surprisingly favorable tax treatment to life insurance companies that are not licensed to conduct business in New York ("unauthorized life insurers"), but that owned real estate investments in...more

Secured Lender’s Large “Makewhole” Claim Upheld By Delaware Bankruptcy Court

by Alyson Allen, Mark Bane, Mark Somerstein | Ropes & Gray LLP on 4/26/2013

The United States Bankruptcy Court for the District of Delaware recently upheld a secured lender’s claim for a $23.5 million “makewhole” premium (the “Makewhole Claim”) over the heavily litigated objection raised by the...more

Healthcare Law -- Apr 22, 2013

by Manatt, Phelps & Phillips, LLP on 4/22/2013

In This Issue: The ACA’s Effects on the Employer Insurance Market; Using the Premium Assistance Option to Purchase Coverage for Medicaid Beneficiaries in the Exchange: A Review of the Legal, Policy and Operational Issues; and...more

Higher Insurance Premiums For Smokers And The Obese

by Cynthia A. Augello | Cullen and Dykman LLP on 4/9/2013

The perils of smoking and obesity have long been the topic of conversation in doctors’ offices and between nagging family members. However, employers are jumping on the bandwagon by imposing higher health insurance premiums...more

Understanding Rule Changes For Colorado Workers Compensation Claims

by Bell & Pollock, PC on 3/20/2013

Workers compensation is a no-fault insurance program administered by the State of Colorado. Available to most employees in Colorado, legislation to create the program was enacted in 1915 and the rules and guidelines that...more

ACA Affordable Insurance Exchanges and Qualified Health Plans

by Robert Hill, Debra McCurdy, Joseph Metro, Elizabeth Doyle O'Brien | Reed Smith on 3/15/2013

In This Issue: Exchanges and Types of Plans To Be Offered Through Exchanges; Essential Health Benefits; Premiums; Cost Sharing Reductions; and Other Issues. Excerpt from Exchanges and Types of Plans To Be...more

ERISA can apply to Individual Policies: Offering a group discount constitutes a “contribution” sufficient to create an ERISA plan

by D. Michael Reilly | Lane Powell PC - ERISA Law on 3/5/2013

Can ERISA apply to the claims made on individual policies purchased with discounted premiums? YES. ...more

Captive Insurance Companies - The Statutory 831(B) Captive

by Stephen A. Malley, APC on 3/4/2013

Captive insurance companies can serve a number of objectives, including reduction of insurance costs through self-insurance, maintenance of insurance at predicted costs, control of the claims process, and direct access to...more

Employers Should Ask Their Insurance Agents Whether Early Renewal Of Health Insurance Coverage Is Appropriate

by Bruce Platt, Scott T. Silverman | Akerman Senterfitt on 2/28/2013

While one of the greatest benefits of the federal Affordable Care Act ("ACA") is better access for all to quality healthcare, theoretically resulting in lower health care expenditures, there also are costs associated with the...more

Employees Who Smoke (Part II) – The Exception for Health Insurance Plans

by Daniel A. Schwartz | Pullman & Comley, LLC on 2/26/2013

So yesterday, I made a convincing case that employees who smoke outside the workplace can’t be treated differently than your non-smokers. ...more

HUD Announces Reverse Mortgage Program Changes, Increases Mortgage Insurance Premiums, Alters Underwriting Requirements

by BuckleySandler LLP on 2/6/2013

On January 30, HUD announced that for FHA case numbers assigned on or after April 1, 2013, FHA will use a consolidated pricing option for its home equity conversion mortgages, as explained in more detail in Mortgagee Letter...more

Legal Minute: “Who Pays for my Expenses If I’m Injured By A Driver Who Doesn’t Have Auto Insurance?” [Video]

by Demas Law Group on 1/7/2013

The sad truth is that many drivers on the road do not have insurance. The best way to protect yourself and your family from uninsured drivers is to include uninsured motorist coverage in your own car insurance policy. All...more

Campaign Debate Over Medicare Could Ripple Out To Deficit Reduction Talks Next Year

by InsideHealthPolicy.com on 9/28/2012

If polls continue to show public support eroding for Medicare premium support and Medicaid block grants, Republicans might have a difficult time pushing those reforms next year during the deficit reduction debates, some...more

Healthcare Law Results In Refunds To California Employers

by Robert Freedman - Partner at Tharpe & Howell,... on 8/31/2012

The Affordable Care Act, signed into law by President Obama in 2010, has various provisions that kick in starting this year. One provision requires that insurance companies spend a certain percentage of health insurance...more

Obamacare: GAO Advocates Family Premium for Employer Mandate

by Dinsmore & Shohl LLP on 8/1/2012

The United States Governmental Accountability Office (GAO) has published the findings of a study that advocates the use of the family premium as the employer mandated affordability requirement as outlined by the Affordable...more

Healthcare Law Results In Refunds To California Employers

by Peter Bauman - Senior Associate at Tharpe &... on 7/25/2012

The Affordable Care Act, signed into law by President Obama in 2010, has various provisions that kick in starting this year. One provision requires that insurance companies spend a certain percentage of health insurance...more

The Healthcare Sector and the Future of ACA Implementation

by Morgan Lewis on 7/17/2012

Even with the lingering uncertainty over Medicaid program expansion, the High Court's decision brings some certainty and the need to focus on ramifications of ACA implementation. On June 28, the U.S. Supreme Court held...more

Home

Legal News

Find a Lawyer

Browse Subjects

Subscribe

Pro Services

For Reporters

First Circuit Permits Insurer to Retain Policy Premiums Despite Rescission

Converted Individual Disability Policies Governed by ERISA?

CFPB proposes delay in effective date of Reg Z prohibition on financing credit insurance premiums

Governor’s Proposal Could Give Ohio State Funded Employers Two Billion Dollars

Recent Developments in New York's Taxation of Unauthorized Life Insurers

Secured Lender’s Large “Makewhole” Claim Upheld By Delaware Bankruptcy Court

Healthcare Law -- Apr 22, 2013

Higher Insurance Premiums For Smokers And The Obese

Understanding Rule Changes For Colorado Workers Compensation Claims

ACA Affordable Insurance Exchanges and Qualified Health Plans

ERISA can apply to Individual Policies: Offering a group discount constitutes a “contribution” sufficient to create an ERISA plan

Captive Insurance Companies - The Statutory 831(B) Captive

Employers Should Ask Their Insurance Agents Whether Early Renewal Of Health Insurance Coverage Is Appropriate

Employees Who Smoke (Part II) – The Exception for Health Insurance Plans

HUD Announces Reverse Mortgage Program Changes, Increases Mortgage Insurance Premiums, Alters Underwriting Requirements

Legal Minute: “Who Pays for my Expenses If I’m Injured By A Driver Who Doesn’t Have Auto Insurance?” [Video]

Campaign Debate Over Medicare Could Ripple Out To Deficit Reduction Talks Next Year

Healthcare Law Results In Refunds To California Employers

Obamacare: GAO Advocates Family Premium for Employer Mandate

Healthcare Law Results In Refunds To California Employers

The Healthcare Sector and the Future of ACA Implementation

Legal Minute: “Who Pays for my Expenses If I’m Injured By A Driver Who Doesn’t Have Auto Insurance?” [Video]

Expand Your Reach