Rulemaking Dockets

Docket Developing Standards

Listed below are the Uniform Standards and Operating Procedures pending action by the Commission.

 

Please click the "+" button to the left of each standard name to view details about the proposed rule.

RULEMAKING
Name of Standard/Procedure Issued Hearing
Requests Due
Comments Due Hearing Date
 
Click to Expand Amendments to Address Colorado Statutory Conflict with Suicide Exclusion Provisions August 22, 2022 September 12, 2022 November 21, 2022 October 27, 2022
Click to Expand Operating Procedure for the Use of Compact-Approved Products for other than Employer Groups July 20, 2022 August 9, 2022 September 18, 2022 August 12, 2022
Click to Expand Uniform Standards Development Guidelines Dec 12, 2019 Apr 14, 2021 May 24, 2021 May 25, 2021
ADVANCED RULEMAKING
Name of Standard/Procedure Issued Comments Due
No Advance Rulemaking activity at this time.
 
FIVE-YEAR REVIEW OF UNIFORM STANDARDS, OPERATING PROCEDURES & RULES
Name of Standard/Procedure Issued Comments Due

The Insurance Compact is conducting a five-year review process for the suite of Group Disability Income Uniform Standards which it will refer to as Phase 10. Pursuant to §119 of the Rule for the Adoption, Amendment and Repeal of Rules for the Interstate Insurance Product Regulation Commission, the Product Standards Committee hereby commences the process to review certain Uniform Standards effective between January 1, 2016 and June 30, 2017, as identified below.

Pursuant to the Procedures for Implementing §119 of the Rulemaking Rule for Commission Review of Rules, adopted on March 2, 2012, the Product Standards Committee will consider comments on the need for continuation, repeal or amendment of the Uniform Standards included in this notice. Comments in favor of repeal or amendment should describe how circumstances or underlying assumptions have changed since the last time the rule was amended, and should be submitted using the Request for Change to Uniform Standards Under Five-Year Review Pursuant to §119 of the Rule for the Adoption, Amendment and Repeal of Rules for the Interstate Insurance Product Regulation Commission form (Microsoft Forms), approved by the Management Committee in August 2018.

Written comments will be accepted until April 15, 2022 and will be posted to the Insurance Compact website. Please do not include any personally identifiable information or confidential business information that you do not want publicly disclosed. Any comments may be submitted electronically to comments@insurancecompact.org.

APPLICABLE RULES   SUBJECT TO FIVE-YEAR REVIEW (FEBRUARY 2022):

Click to Expand Uniform Standards for Filing Revisions to Rate Filing Schedules in Group Disability Income Insurance Policies (IIPRC-DI-G-H11-RATE CHANGE) June 8, 2016 April 15, 2022

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.

Click to Expand

Group Disability Income Insurance Policy and Certificate Uniform Standards for Employer Groups (IIPRC-DI-G-H11-POL)

June 8, 2016 April 15, 2022

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.

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Click to Expand Uniform Standards for Riders, Endorsements or Amendments Used to Effect Group Disability Income Insurance Policy Changes (IIPRC-DI-G-H11-POL CHANGE) June 8, 2016 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.

Click to Expand Uniform Standards for Riders,  Endorsements or Amendments Used to Effect Group Disability Income Insurance Certificate Changes (IIPRC-DI-G-H11-CERT CHANGE) June 8, 2016 April 15, 2022

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.

Click to Expand Uniform Standards for Group Disability Income Insurance Enrollment Forms and Statement of Insurability Forms (IIPRC-DI-G-H11-EFSIF) June 8, 2016 April 15, 2022

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.

Click to Expand Uniform Standards for Group Disability Income Insurance Statement of Insurability Change Form (IIPRC-DI-G-H11-SI CHANGE) June 8, 2016 April 15, 2022

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.

Click to Expand Uniform Standards for Group Disability Income Insurance Initial Rate Filing (IIPRC-DI-G-H11-RATE) June 8, 2016 April 15, 2022

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.

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UNIFORM STANDARDS UNDER CONSTRUCTION
(Product Standards Committee Consideration)

Individual Disability Income Key Person and Buy-Sell Uniform Standards: