An Act amending the act of May 17, 1921 (P.L.682, No.284), known as The Insurance Company Law of 1921, in casualty insurance, further providing for conditions subject to which policies are to be issued and for group accident and sickness insurance; and, in community health reinvestment, further providing for definitions.

PRINTER'S NO. 169
THE GENERAL ASSEMBLY OF PENNSYLVANIA
HOUSE BILL
No. 261
Session of
2025
INTRODUCED BY PICKETT, WARREN, VENKAT, VITALI, KHAN, SANCHEZ,
SAPPEY, SAMUELSON, MALAGARI, KENYATTA, DONAHUE, BURGOS,
NEILSON, BRENNAN, HILL-EVANS, GALLAGHER, SCHLOSSBERG AND
DALEY, JANUARY 17, 2025
REFERRED TO COMMITTEE ON INSURANCE, JANUARY 17, 2025
AN ACT
Amending the act of May 17, 1921 (P.L.682, No.284), entitled "An
act relating to insurance; amending, revising, and
consolidating the law providing for the incorporation of
insurance companies, and the regulation, supervision, and
protection of home and foreign insurance companies, Lloyds
associations, reciprocal and inter-insurance exchanges, and
fire insurance rating bureaus, and the regulation and
supervision of insurance carried by such companies,
associations, and exchanges, including insurance carried by
the State Workmen's Insurance Fund; providing penalties; and
repealing existing laws," in casualty insurance, further
providing for conditions subject to which policies are to be
issued and for group accident and sickness insurance; and, in
community health reinvestment, further providing for
definitions.
The General Assembly of the Commonwealth of Pennsylvania
hereby enacts as follows:
Section 1. Sections 617(A)(9) and 621.2(a)(6) of the act of
May 17, 1921 (P.L.682, No.284), known as The Insurance Company
Law of 1921, are amended to read:
Section 617. Conditions Subject to Which Policies Are to Be
Issued.--(A) No such policy shall be delivered or issued for
delivery to any person in this Commonwealth unless:
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* * *
(9) A policy delivered or issued for delivery after January
1, 1968, under which coverage of a dependent of a policyholder
terminates at a specified age shall, with respect to an
unmarried child covered by the policy prior to the attainment of
the age of nineteen who is incapable of self-sustaining
employment by reason of [mental retardation or physical
handicap] an intellectual or physical disability and who became
so incapable prior to attainment of age nineteen and who is
chiefly dependent upon such policyholder for support and
maintenance, not so terminate while the policy remains in force
and the dependent remains in such condition, if the policyholder
has within thirty-one days of such dependent's attainment of the
limiting age submitted proof of such dependent's incapacity as
described herein. The foregoing provisions of this paragraph
shall not require an insurer to insure a dependent [who is a
mentally retarded or physically handicapped] child who has an
intellectual or physical disability where the policy is
underwritten on evidence of insurability based on health factors
set forth in the application or where such dependent child does
not satisfy the conditions of the policy as to any requirement
for evidence of insurability or other provisions of the policy,
satisfaction of which is required for coverage thereunder to
take effect. In any such case the terms of the policy shall
apply with regard to the coverage or exclusion from coverage of
such dependent.
* * *
Section 621.2. Group Accident and Sickness Insurance.--(a)
Group accident and sickness insurance is hereby declared to be
that form of accident and sickness insurance covering groups of
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persons 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 or persons and issued upon the
following basis:
* * *
(6) A policy delivered or issued for delivery on or after
January 1, 1968 under which coverage of a dependent of an
employe or other member of the insured group terminates at a
specified age shall, with respect to an unmarried child covered
by the policy prior to the attainment of the age of nineteen who
is incapable of self-sustaining employment by reason of [mental
retardation or physical handicap] intellectual or physical
disability and who became so incapable prior to attainment of
age nineteen and who is chiefly dependent upon such employe or
member for support and maintenance, not so terminate while the
insurance of the employe or member remains in force and the
dependent remains in such condition, if the insured employe or
member has within thirty-one days of such dependent's attainment
of the termination age submitted proof of such dependent's
incapacity as described herein. The foregoing provisions of this
paragraph shall not require an insurer to insure a dependent
[who is a mentally retarded or physically handicapped] child who
has an intellectual or physical disability if the dependent is a
child of an employe or other member of the insured group [where
such] and the dependent does not satisfy the conditions of the
group policy as to any requirements for evidence of insurability
or other provisions as may be stated in the group policy
required for coverage thereunder to take effect. In any such
case the terms of the policy shall apply with regard to the
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coverage or exclusion from coverage of such dependent.
* * *
Section 2. Paragraph (3) of the definition of "community
health reinvestment activity" in section 2501 of the act is
amended to read:
Section 2501. Definitions.
The following words and phrases when used in this article
shall have the meanings given to them in this section unless the
context clearly indicates otherwise:
"Community health reinvestment activity." Community health
services and projects that improve health care or make health
care more accessible. The term includes funding, subsidization
or provision of the following:
* * *
(3) Programs for the prevention and treatment of disease
or injury, including [mental retardation] intellectual
disabilities, mental disorders, mental health counseling or
the promotion of health or wellness.
* * *
Section 3. This act shall take effect immediately.
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