Code of Alabama

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16-22-5
Section 16-22-5 Authority of school boards to form groups for purpose of obtaining group
insurance; payment of insurance premiums. Each local board of education may form its employees
into a group or groups or recognize existing groups for the purpose of obtaining the advantages
of group life, disability, medical and dental insurance or any group insurance plans to aid
its employees, as long as the employees continue to be employed by the board of education.
Any local board of education may pay all or part of the premium on the policies and/or may
deduct from the salaries of the employees that part of the premium which is to be paid by
them and may contract with the insurer to provide the above benefits. (Acts 1973, No. 655,
p. 984, ยง1.)...
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22-21-7
Section 22-21-7 Itemized statement of services rendered to be furnished patient upon
request; provisions of statement; itemization of services and expenses; action by Attorney
General; payment of claims by insurance companies. (a) For the purposes of this section,
the term "hospital" shall mean any hospital in which human patients are given medical
care. It shall include all emergency rooms or outpatient facilities connected thereto. (b)
Within 10 days following discharge or release from confinement in a hospital or nursing home,
or within 10 days after the earliest date at which the expense from the confinement or service
may be determined, which in the case of long-term confinement may be the monthly charge, the
hospital or nursing home providing the service shall submit to the patient, or to his survivor
or legal guardian as may be appropriate, upon written request, an itemized statement detailing
in language comprehensible to an ordinary layman the specific nature of charges or...
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22-27-40
Section 22-27-40 Legislative findings. The Legislature finds that: (1) The state, its
subdivisions and the nation face an emerging crisis in solid waste management; (2) Proper
waste management is an increasingly complex issue involving the need for reducing the volumes
of waste requiring disposal, properly managing wastes to reduce the likelihood of both short-term
and long-term threat to human health and the environment, and assuring that adequate, environmentally
secure, waste management and disposal facilities will be available at reasonable costs to
accommodate wastes generated in the state; (3) Provision for necessary systems, facilities,
technology and services for solid waste management and resource recovery is a matter of important
public interest and concern, and action taken in this regard will be for a public purpose
and will benefit the public welfare; (4) Solid waste management problems are potentially statewide
in scope and necessitate state and local action through the...
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22-8A-9
Section 22-8A-9 Withholding or withdrawal of treatment, etc., not suicide; execution
of advance directive not to affect sale, etc., of life or health insurance nor be condition
for receipt of treatment, etc.; provisions of chapter cumulative. (a) The withholding or withdrawal
of life-sustaining treatment or artificially provided nutrition and hydration from a patient
in accordance with the provisions of this chapter shall not, for any purpose, constitute a
suicide and shall not constitute assisting suicide. (b) The making of an advance directive
for health care pursuant to this chapter shall not affect in any manner the sale, procurement,
or issuance of any policy of life or health insurance, nor shall it be deemed to modify the
terms of an existing policy of life or health insurance. No policy of life or health insurance
shall be legally impaired or invalidated in any manner by the withholding or withdrawal of
life-sustaining treatment or artificially provided nutrition and hydration...
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27-19-22
Section 27-19-22 Optional policy provisions - Relation of earnings to insurance. (a)
There may be a provision as follows: "Relation of Earnings to Insurance: If the total
monthly amount of loss of time benefits promised for the same loss under all valid loss of
time coverage upon the insured, whether payable on a weekly or monthly basis, shall exceed
the monthly earnings of the insured at the time disability commenced or his average monthly
earnings for the period of two years immediately preceding a disability for which claim is
made, whichever is the greater, the insurer will be liable only for such proportionate amount
of such benefits under this policy as the amount of such monthly earnings or such average
monthly earnings of the insured bears to the total amount of monthly benefits for the same
loss under all such coverage upon the insured at the time such disability commences and for
the return of such part of the premiums paid during such two years as shall exceed the pro
rata...
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27-20-1
Section 27-20-1 Group disability insurance - Eligible groups. Group disability insurance
is hereby declared to be that form of disability insurance covering groups of persons as defined
in this section, with or without one or more members of their families or one or more
of their dependents, or covering one or more members of the families or one or more dependents
of such groups of persons, and issued upon the following basis: (1) Under a policy issued
to an employer or trustees of a fund established by an employer, who shall be deemed the policyholder,
insuring employees of such employer for the benefit of persons other than the employer. The
term "employees" as used in this subdivision shall be deemed to include the officers,
managers, and employees of the employer, the individual proprietor or partner if the employer
is an individual proprietor or partnership, the officers, managers, and employees of subsidiary
or affiliated corporations and the individual proprietors, partners, and...
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27-27-16
Section 27-27-16 Domestic mutual insurers - Bond or deposit in lieu thereof. (a) Before
soliciting any applications for insurance required under Section 27-27-15, as qualification
for the original certificate of authority, the incorporators of the proposed mutual insurer
shall file with the commissioner a corporate surety bond in the penalty of $15,000.00 in favor
of the State of Alabama and for the use and benefit of the state and of applicant members
and creditors of the corporation. The bond shall be conditioned as follows: (1) Upon payment
of any loss suffered by applicants who have cancelled or lapsed existing insurance policies
due to misrepresentation by the incorporators or by persons soliciting such applications under
authorization by the corporation, to the effect that the making of such application for insurance
and prepayment of premiums in such proposed insurer provides insurance protection prior to
issuance of a certificate of authority to such insurer by the...
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27-27-17
Section 27-27-17 Domestic mutual insurers - Solicitation of qualifying applications
for insurance. (a) Upon receipt of the commissioner's approval of the bond or deposit as provided
in Section 27-27-16 the directors and officers of the proposed domestic mutual insurer
may commence solicitation of such requisite applications for insurance policies as they may
accept and may receive deposits of premiums thereon. (b) All such applications shall be in
writing signed by the applicant, covering subjects of insurance resident, located or to be
performed in this state. (c) All such applications shall provide that: (1) Issuance of the
policy is contingent upon the insurer qualifying for and receiving a certificate of authority;
(2) No insurance is in effect unless and until the certificate of authority has been issued;
and (3) The prepaid premium or deposit and membership or policy fee, if any, shall be refunded
in full to the applicant if organization is not completed and the certificate of...
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27-31B-6
Section 27-31B-6 Minimum capital and surplus. (a) No captive insurance company shall
be issued a license unless it shall possess and thereafter maintain unimpaired paid-in capital
and surplus as follows: (1) In the case of a pure captive insurance company, not less than
two hundred fifty thousand dollars ($250,000) or such other amount determined by the commissioner
and actuarially supported by a feasibility study. (2) In the case of an association captive
insurance company or risk retention group, not less than five hundred thousand dollars ($500,000)
or such other amount determined by the commissioner and actuarially supported by a feasibility
study. (3) In the case of an industrial insured captive insurance company, not less than five
hundred thousand dollars ($500,000). (4) In the case of a protected cell captive insurance
company, not less than two hundred fifty thousand dollars ($250,000) or such other amount
determined by the commissioner and actuarially supported by a...
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27-31D-1
Section 27-31D-1 Premium discount or insurance rate reduction - Construction and certification.
(a) Commencing on May 14, 2009, insurance companies shall provide a premium discount or insurance
rate reduction in an amount and manner as established in subsection (j) and pursuant to Section
27-31D-3. In addition, insurance companies may also offer additional adjustments in deductible,
other credit rate differentials, or a combination thereof, collectively referred to as adjustments.
These adjustments shall be available under the terms specified in this section to any
owner who builds or locates a new insurable property, in the State of Alabama, to resist loss
due to hurricane or other catastrophic windstorm events. (b) To obtain the adjustment provided
in this section, an insurable property located in this state shall be certified as
constructed in accordance with either of the following: (1) The 2006 International Residential
Code, as amended, including all hurricane mitigation...
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