Adoption and Scope:  The Standards for Filing Revisions to Rate Filing Schedules in Group Disability Income Insurance Policies were adopted on February 24, 2016 and became effective on June 8, 2016. 

These Standards for Filing Revisions to Rate Filing Schedules in Group Disability Income Insurance Policies apply to insurance policies, riders, endorsements and amendments for disability income plans that are underwritten on a group basis. The benefits provided may be short term, long term or combined short term and long term. These standards apply to closed blocks of policy forms and to open blocks of policy forms (where sales are currently being made) where the rate revision will apply to both the in force and new business. These standards do not apply to policy forms for which rates are being revised only for new business to be issued on or after the effective date of the rate filing.

Adoption and Scope:  The Standards for filing paper Insurance Policy and Certificates for Employer Groups were adopted on February 24, 2016, and became effective on June 8, 2016. 

These standards are intended to apply to paper or electronic group disability income insurance policies and certificates that are issued to an employer, or the trustees of a fund established by an employer, that are permitted in the jurisdiction where the policy is delivered or issued for delivery. The policies provide benefits to eligible Covered Persons. Separate additional standards will apply to business overhead expense benefits, and insurance companies may provide these as part of a group disability income insurance policy and certificate, or the benefits may be provided under a separate group business overhead expense policy and certificate. Consult the Interstate Insurance Product Regulation Commission website to determine when these additional standards are being developed and available for filing.

Comments Received:

• Comments from ACLI dated April 15, 2022

Adoption and Scope:  The Standards for riders, endorsements or amendments that are used to effect group policy were adopted on February 24, 2016 and became effective on June 8, 2016. 

These standards apply to riders, endorsements or amendments that are used to effect group policy changes that are required by state or federal law, that have been requested for a group disability income insurance policy by the policyholder, or that are the result of either party exercising their rights under the group policy. Such policy change forms may be attached to the group disability income insurance policy on the policy date of issue or after the policy date of issue.

Adoption and Scope:  The Standards for Riders, Endorsements or Amendments that are used to affect all group certificate changes were adopted on February 24, 2016, and became effective on June 8, 2016. 

These standards apply to riders, endorsements or amendments that are used to affect all group certificate changes that are required by state or federal law, or changes that have been requested for a group disability income insurance named certificate by the policyholder or the insurance company in exercising rights under the group policy or changes the group policy permitted to be requested for a named certificate by the Employee, as applicable. Such change forms may be attached to the group disability income insurance certificate on the certificate date of issue or after the certificate date of issue.

Adoption and Scope:  The Standards for Insurance Enrollment Forms and Statement of Insurability Forms were adopted on February 24, 2016 and became effective on June 8, 2016. 

The Uniform Standards for Group Disability Income Insurance Enrollment Forms and Statement of Insurability Forms apply to paper, telephonic or electronic enrollment forms used to enroll for coverage provided by group disability income insurance policies, for both new business forms and forms used to request changes to existing certificates. In a situation where evidence of insurability from an enrollee is not required and underwriting questions are not included in a form, the form is considered an enrollment form and filing for approval may not be required. In a situation where evidence of insurability from an enrollee is required and underwriting questions are not included in a form, the form is considered a statement of insurability and detailed uniform standards apply.

Adoption and Scope:  The Standards for Statement of Insurability Change Form were adopted on February 24, 2016 and became effective on June 8, 2016. 

These standards apply to forms that are used during the underwriting process to make changes to answers that had been provided by the proposed insured in paper, telephonic or electronic statement of insurability forms for coverage provided by a group disability income insurance policy form.

Adoption and Scope:  The Standards for Initial Rate Filings for Group Disability Income Insurance were adopted on February 24, 2016 and became effective on June 8, 2016. 

The Uniform Standards for Initial Rate Filings for Group Disability Income Insurance shall apply to insurance policies, riders, endorsements and amendments for disability income plans that are underwritten on a group basis. The benefits provided may be short term, long term or combined short term and long term. These standards shall also apply to group policy forms for which rates are being revised only for new business to be issued on or after the effective date of the rate filing. The filings shall specify what the term “new business” includes, such as new group policies to be issued on or after the effective date of the rate filing, additional benefits added to group policies that were issued before the effective date of the rate filing, etc.

Reports and Recommendations: 

Comments Received: 

Reports and Recommendations: 

Comments Received: 

• Comments from the Oregon Division of Financial Services dated May 29, 2020

Reports and Recommendations: 

Comments Received: