33-22-1202. Limited benefit disability insurance policies authorized. (1) Insurers and health service corporations may issue limited benefit disability insurance policies that do not provide mandated health care coverage as required in 33-22-111, 33-22-114, 33-22-131, 33-22-229, 33-22-301, 33-22-302, 33-22-304, 33-22-504, 33-22-506, 33-22-509, 33-22-703, 33-22-1002, 33-30-1001, 33-30-1003, 33-30-1004, 33-30-1008, 33-30-1011, 33-30-1013, or any other provision enacted after January 1, 1991, unless the provision specifically mandates coverage for policies issued under this part.
     (2) Limited benefit disability insurance policies may be issued only to the following persons:
     (a) employers who:
     (i) employ 20 or fewer employees working at least 20 hours per week; and
     (ii) have been in business in the state for at least 12 months and have not contributed, within the preceding 12 months, to payment of any premiums for disability insurance on behalf of an employee;
     (b) disabled or injured workers and their families;
     (c) unemployed individuals and their families;
     (d) self-employed individuals and their families; and
     (e) a parent, or the department of public health and human services on behalf of the parent, who is ordered by a court or administrative authority of this or another state or who is required under 40-5-208 to provide health insurance coverage for a child if health insurance coverage is not available through employment or a union. This subsection (e) applies only to orders or modifications of orders issued after July 1, 1991, by a court or administrative authority.
     (3) The insurer or health service corporation may establish terms and conditions for copayments and deductibles.
     (4) The insurer or health service corporation issuing a limited benefit disability insurance policy shall provide the insured individual with a written disclosure statement, separate from the insurance policy, certificate, or evidence of coverage, stating in clear and understandable language and format which mandatory coverages and providers are not covered by the policy and what coverage is provided by the policy.
     (5) Limited benefit disability insurance policies must provide coverage in accordance with the minimum requirements set forth in 33-22-1203.

     History: En. Sec. 2, Ch. 606, L. 1991; amd. Sec. 26, Ch. 504, L. 1995; amd. Sec. 85, Ch. 546, L. 1995.