Fair Insurance Practices Act: Hearing Before the Committee on Commerce, Science, and Transportation, United States Senate, Ninety-seventh Congress, Second Session, on S. 2204 ... July 15, 1982, Issues 136-139 |
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Common terms and phrases
accidents Accuracy Division actuarial tables affirmative action American American Insurance Association ance annuity auto insurance Automobile Insurance Risk average basis of race basis of sex benefits bill blacks CHAIRMAN charged civil rights color Committee CONGRESS THE LIBRARY costs coverage Custom Auto Department of Insurance differences differential disability insurance discrimination in insurance discriminatory economic eliminate employers equal equal rights amendment Equity and Accuracy expected loss experience Federal gender going health insurance impact individual insurance companies insurance industry insurance rates Insurance Report Insurance Risk Classification issue Jersey Department legislation LIBRARY OF CONGRESS live longer male drivers marital status ment mileage million mortality NAIC national origin overcharge pension percent persons policyholders predictor premium rates pricing prohibit quotas regulation religion Senate sex discrimination sex-based social statement statistics surance tion Title VII underwriting unisex rates variables woman women
Popular passages
Page 134 - I am a fellow of the Society of Actuaries, a member of the American Academy of Actuaries, and senior vice president of the Phoenix Mutual Life Insurance Co.
Page 183 - Moreover, since sex, like race and national origin, is an immutable characteristic determined solely by the accident of birth, the imposition of special disabilities upon the members of a particular sex because of their sex would seem to violate "the basic concept of our system that legal burdens should bear some relationship to individual responsibility...
Page 37 - I am appearing on behalf of the American Council of Life Insurance and the Health Insurance Association of America. The...
Page 179 - The bill's broad purpose is to prohibit discrimination based on race, color, religion, sex, or national origin in the writing and selling of insurance contracts. Blue Cross and Blue Shield Plans do not consider the race, color, religion or national origin of individuals or groups in setting premiums for our health care benefits. In some cases, however, the...
Page 150 - Specific examples of practices prohibited by this regulation include but are not limited to the following: a. Denying coverage to females gainfully employed at home, employed part-time or employed by relatives when coverage is offered to males similarly employed b. Denying policy riders to females when the riders are available to males. c. Denying maternity benefits to insureds or prospective insureds purchasing an individual contract when comparable family coverage contracts of fer maternity benefits.
Page 140 - The amount of benefits payable, or any term, conditions or type of coverage shall not be restricted, modified, excluded, or reduced on the basis of the sex or marital status of the insured or prospective insured except to the extent the amount of benefits, term, conditions or type of coverage vary as a result of the application of rate differentials permitted under the (insert name of state) Insurance Code. However, nothing in this regulation shall prohibit an insurer from taking marital status into...
Page 27 - ... discrimination on the basis of race, color, sex, religion or national origin.
Page 141 - Offering more restrictive benefit periods and more restrictive definitions of disability to women than to men in the same classifications under a disability income contract. j. Establishing different conditions by sex under which the policyholder may exercise benefit options contained in the contract. k. Limiting the amount of coverage an insured or prospective insured may purchase based upon the insured's or prospective insured's marital status unless such limitation is for the purpose of defining...
Page 33 - Group Life & Health Ins. Co. v. Royal Drug Co., 440 US 205 (1979) (antitrust); SEC v.
Page 17 - City of Los Angeles, Department of Water and Power v. Manhart...