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Health and Welfare Plans Under the Employee Retirement Income Security Act: Guidelines for State and Federal Regulation

ERS-OM

This handbook provides state insurance regulators with a resource guide to help them through the labyrinth of ERISA preemption analysis. ERISA, a federal statute that establishes a comprehensive regulatory framework for employee pension benefit plans, preempts most state laws. However, ERISA exempts from federal preemption any state law that regulates the business of insurance - but determining whether a state law is preempted by ERISA can be complex and confusing. Copyright 2004.

Model Laws, Regulations, Guidelines and Other Resources

MDL-SP22-OSS, MDL-SU22-OSS

This product provides access to every NAIC model law, regulation, and guideline currently published. By selecting this publication, it allows access to Account Manager to view state law charts related to the Model Laws. Included with every model is a state action page that cites each state's enacted model or similar legislation. Many models also include a legislative history (Proceedings Citations) that explains why the model was adopted and why certain provisions were included. Compendium of State Laws that pertain to one or more NAIC Model Laws are made available online through the NAIC's Account Manager with the purchase of the Model Laws product. The Table of Contents for the Model Laws products will include an index of the compatible charts for cross referencing (Related Charts: State Laws on Insurance Topics), and the charts themselves will be available via a link in the NAIC's Account Manager system. Published three times annually following the NAIC's Spring, Summer, and Fall National Meetings.

Summer Release 2022 - The publication is now available as a PDF via an online subscription service (OSS) through Account Manager. Subscriptions are specific to an individual user and access to the platform requires a redemption code, which will be provided via email following verification of the purchase. This digital publication is now offered as three separate products, which will include the full six-volume set as well as updates that occur after the NAIC's Spring, Summer, and Fall National Meetings. Information will be provided at the beginning of each product showing the updated material within the product. Access to Related Charts: State Laws on Insurance Topics will be available via a link in Account Manager.

Individual Model Laws
Model Law Development

  • Online Subscription
    Pricing Per User

  • MDL-SP22-OSS

    2022 Model Laws (with Spring National Meeting Updates)

    $221.00

  • MDL-SU22-OSS

    2022 Model Laws (with Summer National Meeting Updates)

    $221.00

Retaliation: A Guide to State Retaliatory Taxes, Fees, Deposits and Other Requirements

RET-ZU

The Retaliation Guide offers a complete listing of each state's retaliatory tax rates resulting from companies selling insurance products across state lines. This publication includes important information about other taxes and assessments, exclusions and deductions, credits, payment due dates, penalties, extensions, fees and deposits. Volume I tracks changes in laws and fees; Volume II includes information on state tax forms. Updated annually.

Risk Retention and Purchasing Group Handbook

RIS-BB

The Risk Retention and Purchasing Group Handbook explores the provisions and requirements of the Liability Risk Retention Act of 1986 (LRRA) and the NAIC Model Risk Retention Act. The question of which aspects of state laws have been preempted by the LRRA and which have not is the overall issue that has given rise to many of the other issues. The handbook attempts to explain the various approaches that the states have taken in dealing with these issues. Copyright 2013.

Appendix C of the Risk Retention and Purchasing Group Handbook has been updated. As of August 2019, the contact information is current as provided to the NAIC by the state insurance departments. Since 2009, this list is updated every year to provide the most up-to-date contact information available.

Appendix C - RRG State Insurance Department Contacts

  • RIS-BB

    Risk Retention and Purchasing Group Handbook

    Free Download

Valuation Manual

VM

The Valuation Manual sets forth the minimum reserve and related requirements for jurisdictions where the Standard Valuation Law, as amended by the National Association of Insurance Commissioners (NAIC) in 2009, or legislation including substantially similar terms and provisions has been enacted by jurisdictions, and this Valuation Manual (VM) is operative. Requirements in the Valuation Manual are applicable to life insurance, accident and health insurance, and deposit-type contracts. Annuity contracts are therefore included within the term life insurance contracts unless specifically indicated otherwise in this Valuation Manual.

Model Laws, Regulations, Guidelines and Other Resources

MDL-SP22-OSS, MDL-SU22-OSS

This product provides access to every NAIC model law, regulation, and guideline currently published. By selecting this publication, it allows access to Account Manager to view state law charts related to the Model Laws. Included with every model is a state action page that cites each state's enacted model or similar legislation. Many models also include a legislative history (Proceedings Citations) that explains why the model was adopted and why certain provisions were included. Compendium of State Laws that pertain to one or more NAIC Model Laws are made available online through the NAIC's Account Manager with the purchase of the Model Laws product. The Table of Contents for the Model Laws products will include an index of the compatible charts for cross referencing (Related Charts: State Laws on Insurance Topics), and the charts themselves will be available via a link in the NAIC's Account Manager system. Published three times annually following the NAIC's Spring, Summer, and Fall National Meetings.

Summer Release 2022 - The publication is now available as a PDF via an online subscription service (OSS) through Account Manager. Subscriptions are specific to an individual user and access to the platform requires a redemption code, which will be provided via email following verification of the purchase. This digital publication is now offered as three separate products, which will include the full six-volume set as well as updates that occur after the NAIC's Spring, Summer, and Fall National Meetings. Information will be provided at the beginning of each product showing the updated material within the product. Access to Related Charts: State Laws on Insurance Topics will be available via a link in Account Manager.

Individual Model Laws
Model Law Development

  • Online Subscription
    Pricing Per User

  • MDL-SP22-OSS

    2022 Model Laws (with Spring National Meeting Updates)

    $221.00

  • MDL-SU22-OSS

    2022 Model Laws (with Summer National Meeting Updates)

    $221.00

Health and Welfare Plans Under the Employee Retirement Income Security Act: Guidelines for State and Federal Regulation

ERS-OM

This handbook provides state insurance regulators with a resource guide to help them through the labyrinth of ERISA preemption analysis. ERISA, a federal statute that establishes a comprehensive regulatory framework for employee pension benefit plans, preempts most state laws. However, ERISA exempts from federal preemption any state law that regulates the business of insurance - but determining whether a state law is preempted by ERISA can be complex and confusing. Copyright 2004.

Retaliation: A Guide to State Retaliatory Taxes, Fees, Deposits and Other Requirements

RET-ZU

The Retaliation Guide offers a complete listing of each state's retaliatory tax rates resulting from companies selling insurance products across state lines. This publication includes important information about other taxes and assessments, exclusions and deductions, credits, payment due dates, penalties, extensions, fees and deposits. Volume I tracks changes in laws and fees; Volume II includes information on state tax forms. Updated annually.

Risk Retention and Purchasing Group Handbook

RIS-BB

The Risk Retention and Purchasing Group Handbook explores the provisions and requirements of the Liability Risk Retention Act of 1986 (LRRA) and the NAIC Model Risk Retention Act. The question of which aspects of state laws have been preempted by the LRRA and which have not is the overall issue that has given rise to many of the other issues. The handbook attempts to explain the various approaches that the states have taken in dealing with these issues. Copyright 2013.

Appendix C of the Risk Retention and Purchasing Group Handbook has been updated. As of August 2019, the contact information is current as provided to the NAIC by the state insurance departments. Since 2009, this list is updated every year to provide the most up-to-date contact information available.

Appendix C - RRG State Insurance Department Contacts

  • RIS-BB

    Risk Retention and Purchasing Group Handbook

    Free Download

Valuation Manual

VM

The Valuation Manual sets forth the minimum reserve and related requirements for jurisdictions where the Standard Valuation Law, as amended by the National Association of Insurance Commissioners (NAIC) in 2009, or legislation including substantially similar terms and provisions has been enacted by jurisdictions, and this Valuation Manual (VM) is operative. Requirements in the Valuation Manual are applicable to life insurance, accident and health insurance, and deposit-type contracts. Annuity contracts are therefore included within the term life insurance contracts unless specifically indicated otherwise in this Valuation Manual.

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