3 AAC 31.210 - Filing
(a) Each filing submitted to the director by
electronic mail must include the appropriate transmittal document as described
in 3 AAC 31.221 or
3
AAC 31.225. The transmittal document is considered
part of the filing. Each filing submitted using an electronic filing system
approved under
AS
21.96.080 by the director must include the
information specified in the transmittal document as described in
3
AAC 31.221 or
3
AAC 31.225 in the appropriate fields.
(b) Except as provided in (d)(1) and (e) of
this section, a separate filing must be made for each type of
insurance.
(c) Forms must be
submitted separately from rates and rules.
(d) For property and casualty types of
insurance,
(1) new rates, rules, or forms
that apply to different or multiple types of insurance but have the same
purpose and effect, or revisions or replacements to existing rates, rules, or
forms that apply to different or multiple types of insurance where the proposed
revisions have the same purpose and effect, may be submitted in a single
filing;
(2) rates and rules may be
submitted in a single filing when filed under
AS
21.39.041 or
21.39.220;
(3) rates filed under
AS
21.39.210 may only contain rules that are
revised to update the corresponding rate changes; and
(4) if rate, rule, and form filings for a
single program are submitted at the same time, the transmittal document for
each filing must cross-reference the other filings submitted for the
program.
(e) For life,
annuity, and health types of insurance offered to employer groups, a single
filing with multiple life, annuity, and health types of insurance may be filed.
(f) Except for health care
insurance rates or forms, and subject to the requirements under (b) and (d) of
this section, insurers with the same National Association of Insurance
Commissioners' group number may submit substantially similar rates, rules, or
forms
(1) in a single filing for all insurers
if the filing
(A) contains the name of each
insurer;
(B) clearly describes the
differences between the rates, rules, or forms if they differ by insurer;
and
(C) clearly identifies which
insurer will use each rate, rule, or form; or
(2) in separate filings for each insurer if
the filing
(A) cross-references any
substantially similar filings for other insurers in the group that are
submitted simultaneously or have already been submitted; and
(B) describes any differences in the rates,
rules, or forms submitted in each filing.
(g) An insurer shall include in each
applicable filing a cross-reference to other similar or related filings that
are submitted simultaneously with the subject filing or other similar or
related filings that have already been submitted. The filing must describe any
differences between the new rates, rules, or forms in the subject filing and
any similar or related filing.
(h)
If a filing contains a revision to or replacement of an existing rate, rule, or
form, the filing must include each assigned identification number under which
the material proposed for revision is currently approved or authorized. The
fiUng must also include a marked copy of the form, rule, or rate page showing
the new material underlined and the deleted material with a line stricken
through it, or by a similar method of identifying changes that has been
approved by the director. A revised or replaced item that is not identified as
required may not be approved or authorized for use.
(i) If a filing is a resubmission of a prior
filing that was withdrawn or disapproved, the filing must include the
identification number assigned to the withdrawn or disapproved filing and must
specifically address any questions or comments raised by the director with
respect to the withdrawn or disapproved filing. The filing must also include a
marked copy of the form, rule or rate page identifying any revisions that have
been made compared to the corresponding form, rule, or rate pages contained in
the withdrawn or disapproved filing. The marked copy must follow the format
described in (h) of this section.
(j) Upon receipt of a filing, the director
will assign an identification number to the filing. All subsequent
communications regarding the filing must include the assigned identification
number.
(k) If the filing does not
include the information required under
3
AAC 31.221 or
3
AAC 31.225 and all other information required under
this section, the director may reject the filing and the rate, rule, or form
may not be used.
(l) If an
insurer's response to questions asked by the director does not provide all the
information requested or is submitted to the director less than five days
before the expiration of the waiting period and an extension under
AS
21.42.125, the director will disapprove the
filing or consider the failure of an adequate response to be a request to
withdraw the filing.
(m) An insurer
may not issue insurance to a resident of this state under a group including an
out-of-state group that does not meet the requirements of
AS
21.54.060 for health insurance,
AS
21.54.070 for blanket insurance, and
AS
21.48.010 for life insurance. Before issuing
coverage to a resident of this state through a policy issued to an association
or trust, including a union trust, an insurer must file and obtain the
director's approval for each association or trust through which a resident of
this state will be issued coverage subject to the following:
(1) if the constitution or bylaws of the
association or trust are modified, the insurer must refile and obtain approval
of the association or trust;
(2)
the filing for approval of the association or trust must be submitted
separately from the forms subject to filing under
AS
21.42.120 that will be issued to the
association or trust unless the forms will be issued exclusively to the
association or trust.
(n) Life and health insurers submitting a
form filing consisting of endorsements, applications, declarations, or
schedules that will be attached to a previously approved or authorized policy
or coverage form must include the identification number of the filing in which
the policy or coverage form was approved or authorized.
(o) A filing is not required if the only
change to the form or rule page is a change to the insurer's logo, letterhead
in formation, pagination, or formatting that
(1) does not affect the text of the currently
authorized or approved form, rule, or rate page; and
(2) is not subject to special formatting
requirements.
(p) A
response to a question from the director must
(1) describe or otherwise clearly identify
the changes proposed within the response; and
Notes
Authority:AS 21.06.090
AS 21.39.040
AS 21.39.041
AS 21.39.043
AS 21.39.210
AS 21.39.220
AS 21.42.120
AS 21.42.123
AS 21.42.125
AS 21.48.010
AS 21.54.060
AS 21.54.070
AS 21.57.080
AS 21.66.370
AS 21.66.450
AS 21.84.255
AS 21.86.070
AS 21.87.180
AS 21.87.190
AS 21.96.080
State regulations are updated quarterly; we currently have two versions available. Below is a comparison between our most recent version and the prior quarterly release. More comparison features will be added as we have more versions to compare.
No prior version found.