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Prior Sessions

SB 613: Workers' Compensation
Permits volunteer fire protection associations to apply to the State Fire Marshal for grants for the purpose of funding the workers' compensation insurance premiums for the association's volunteer firefighters; changes the medical cost amount limit to 20% of the current split point of primary and excess losses under the uniform experience rating plan.
 
SB 700: Workers' Compensation
Exempts volunteers of qualified tax-exempt 501(c)(19) veterans' organizations from workers' compensation laws; permits volunteer fire protection associations to apply to the State Fire Marshal for grants for the purpose of funding the workers' compensation insurance premiums for the association's volunteer firefighters; and changes the medical cost amount limit to 20% of the current split point of primary and excess losses under the uniform experience rating plan.
 
SB 847: Collateral Source Rule
Modifies provisions relating to the collateral source rule and provides that parties may introduce evidence of the actual cost, rather than the value, of the medical care rendered; defendant is entitled to deduct such payments towards special damages from any judgment as provided. (Vetoed by Governor)
 
SB 865: Health Insurance Rates
Among other provisions, requires that health insurance carriers file rates with the Department of Insurance prior to use.
 
SB 947: Transportation Network Companies
Creates the insurance coverage requirements between a transportation network company (TNC) and a TNC driver who uses a personal vehicle to transport passengers for the TNC. Requires primary insurance coverage in amounts of $50,000/$100,000/$25,000 and uninsured motorist coverage in amounts not less than limits set forth in Section 379.203.
 
HB 1763: Workers' Compensation Large Deductible Plans
Requires all workers' compensation large deductible covered claims of an insolvent insurer to be turned over to the responsible guaranty association. (Governor's veto overridden)
 
HB 1976: Motor Vehicle Service Contracts
Expands the definition of "motor vehicle extended service contract" to include a contract or agreement for the repair of certain road hazard damages, replacement of a vehicle key or key fob, and other services approved by the Department of Insurance. Also allows a licensed person to operate an autocycle on highways and streets without a helmet as long as it is equipped with a roof that meets established standards for protective headgear. (Governor's veto overridden)
 
HB 2150: Unclaimed Life Insurance Policies
Requires life insurance companies to compare policies, annuities, and accounts against a death master file for potential matches and to either pay beneficiaries or remit unclaimed benefits to state treasurer.
 
HB 2194: Policy Transfer Among Affiliate Insurance Companies
Specifies that when an insurer transfers an insurance policy among affiliated insurers within an insurance holding company that it is not considered to be a cancellation or nonrenewal. This bill also establshes a regulatory system for self-storage insurance and the selling of such policies.
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SB 145: Treatment of Eating Disorders
Requires health benefit plans delivered, issued for delivery, continued or renewed on or after January 1, 2017, in accordance with current law requirements for coverage of mental health disorders, to provide coverage for the diagnosis and treatment of eating disorders.
 
SB 164: Financial Transactions
Exempts in bankruptcy proceedings life insurance proceeds for the burial of a family member, modifies insurance foreign investment limits, changes the requirements for the valuation of reserves for life insurance, and modifies provisions regarding qualified spousal trusts.
 
SB 392: Fraternal Benefit Society Agents
Modifies which members of fraternal benefit societies are exempt from insurance agent licensing.
 
HB 50: Insurance Holding Company and Own Risk Solvency Assessment
Expands the authority of the Director of the Department of Insurance to assess the financial stability and risk of insurance holding companies.
 
HB 391: Automobile Insurance Notices
Requires any insurer canceling, refusing to renew, or refusing to write a policy of automobile insurance to send written notice by United States Postal Service certificate of mailing, first class mail using Intelligent Mail barcode (IMb), or another mail tracking method used, approved, or accepted by the United States Postal Service.
 
HB 709: Department of Insurance Regulation
Changes the laws regarding entities regulated by the Department of Insurance, Financial Institutions and Professional Registration, including allowing the Department to issue informational documents to educate the public and provide regulatory guidance.
 
HB 1022: Return of Premiums to Insureds
Allows a casualty insurer to return or refund a portion of its expense savings to an insured if the insured makes no reportable claim under specified coverages within a prescribed period of time established by the insurer, regardless of whether the claim is due to the fault of the insured.
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SB 606Prepaid Legal Service Plans
This act repeals provisions of law requiring a person who solicits membership on behalf of a prepaid legal services plan to be licensed as an insurance agent. The act provides that any person who solicits memberships on behalf of a prepaid legal services plan must disclose to the consumer in writing that a prepaid legal services plan is not regulated by the Department of Insurance, Financial Institutions and Professional Registration. 
 
SB 609: Electronic Insurance Documents
This act states that certain provisions of current law regarding the sending of insurance documents by electronic means shall apply to notices and documents issued by certain mutual property insurance companies and non-life insurance companies, as well as to certain life insurance products. The provisions of current law regarding such electronic sending of documents shall not be construed to limit provisions of current law regarding a health insurance enrollee's right to receive certain documents in a certain format.
 
SB 610: Consumer Protections
Currently, consumer protections against predatory business practices by building contractors are only afforded to owners of residential property. This act expands those consumer protections to owners of commercial properties. 
 
SB 668: Oral Chemotherapy
This act requires that insurers that offer benefits for cancer treatment offer oral anticancer medication at terms at least as favorable as intravenously administered anticancer medications. Health benefit plans can be in compliance with this section if orally prescribed anticancer medications are offered at a rate that limits total out-of-pocket costs to seventy-five dollars for a thirty day period, and high deductible plans can meet these compliance terms after the satisfaction of the annual deductible. 
 
SB 691: Insurance Policies - Notice of Cancellation and Sinkhole Coverage
This act modifies insurance policy cancellation requirements by making any notice of cancellation constitute a present and unequivocal act of cancellation of the policy. This act also requires that notification of cancellation for nonpayment of premiums must include a specific notice in bold conspicuous type. This act allows an insurer to reinstate a policy at any time after a notice of cancellation is issued if the reason for the cancellation is remedied and specifies the communications an insurer may send to the insured. This act also permits insurers to issue policies exclusively for sinkhole loss on habitational property upon application under the "Missouri Basic Property Insurance Inspection and Placement Program." Specific procedures for sinkhole loss claims investigation and expedited approval may be established by plans in addition to the procedures required under the Missouri Basic Property Inspection and Placement Program.
 
SB 794: Insurance Regulation - Banks, Insurance Company Investments and Pre-Need Policies
Currently, Missouri banks and trust companies with trust powers, and national banks with trust powers under United States laws with their principal place of business in Missouri, are authorized to transfer fiduciary obligations consisting only of irrevocable life insurance trusts to the Missouri trust office of an out of state bank with trust powers or to an out of state trust company. This act allows all banks, trust companies, and national banks with trust powers, regardless of location, to transfer those obligations to any such banks and trust companies. Currently certain life insurance producers are exempt from continuing education requirements when dealing exclusively in life insurance polices and annuities designated by the purchaser for the payment of funeral or burial expenses if the initial face amount is less than five thousand and ten thousand dollars respectively. This act increases the maximum amount to fifteen thousand dollars for such policies and annuities. The act also increases the allowable percentage of assets that an insurance holding company may invest in subsidiaries from 5% to 10%. 
 
SCR 31: Terrorism Risk Insurance
This resolution supports reauthorization of federally provided terrorism reinsurance for insurers by the United States Congress to maintain stability in the insurance and reinsurance markets. 
 
HB 1361: Domestic Surplus Lines Insurers
This bill specifies that a nonadmitted insurer that is domiciled in this state must be deemed a domestic surplus lines insurer if the insurer possesses a policyholder surplus of at least $20 million, is an approved or eligible surplus lines insurer in at least one jurisdiction other than this state, the board of directors of the insurer has passed a resolution seeking to be a domestic surplus lines insurer in Missouri, and the Director of the Department of Insurance, Financial Institutions and Professional Registration has given written approval for the insurer to be a domestic surplus lines insurer. A domestic surplus lines insurer is deemed an eligible surplus lines insurer authorized to write any type of policy that a nonadmitted insurer not domiciled in Missouri is eligible to write. The policies issued in this state must be subject to taxes assessed on surplus lines policies issued by nonadmitted insurers, including the surplus premium lines tax under Section 384.059, RSMo, but will not be subject to other taxes levied on admitted insurers whether domestic or foreign, including taxes imposed under Section 148.320. A policy issued by a domestic surplus lines insurer is not subject to the protections or other provisions of the Missouri Property and Casualty Insurance Guaranty Association Act or the Missouri Life and Health Insurance Guaranty Association Act. All financial and solvency requirements imposed under specified provisions on domestic admitted insurers must apply to domestic surplus lines insurers unless specifically exempted. A domestic surplus lines insurer must be exempt from all statutory requirements regarding rating plans, policy forms, policy cancellation and non-renewal, and premiums charged to the insured in the same manner and to the same extent as a nonadmitted insurer domiciled in another state. 
 
HB 1968: Health Organizations
This bill changes, from not less than once every three years to not less than once every five years, when the Director of the Department of Insurance, Financial Institutions and Professional Registration, or any duly appointed representative, must make an examination of the affairs of a health maintenance organization. It also adds definitions for a health organization, a domestic health organization, and a foreign health organization. The bill adds a health organization to the entities subject to risk-based capital examination, analysis, and regulation under Sections 375.1250 to 375.1275, RSMo. A health organization's risk-based capital must be determined in accordance with the specified formula that must take into account and may adjust for the covariance between asset risk, credit risk, underwriting risk, and other business risks. A foreign health organization must comply with the same regulatory requirements a foreign insurer is currently subject to under Section 375.1270. The bill allows the department director to share documents, materials, or other information, including the confidential and privileged documents filed as part of a risk-based capital analysis, with other specified regulatory bodies if the recipient agrees to maintain the confidentiality and privileged status of the information. The department director may exempt a domestic health organization from the risk-based credit examination requirements if it meets specified conditions. The bill specifies the requirements that must apply for risk-based capital reports that must be filed by health organizations with respect to 2014 in lieu of specified provisions of the bill.
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SB 1: Workers' Compensation
Addresses the insolvency of the Second Injury Fund and corrects an onerous Western District Court ruling by clarifying that occupational diseases are covered under Missouri's workers' compensation statute.
  
SB 59Missouri Life and Health Guaranty Association
Increases the limits of coverage for the Life and Health Guaranty Association to reflect more modern amounts and conform to the nationwide model recommendations.
 
SB 159Physical Therapy
Requires parity between the out-of-pocket expenses charged for physical therapist services and the out-of-pocket expenses charged for similar services provided by primary care physicians.
 
SB 161Coverage Mandates
Requires actuarial analyses to be performed to determine potential costs of instituting oral anti-cancer parity and eating disorders mandate.
 
SB 262: Regulation and Licensing of Navigators
Provides statutory authority for the Department of Insurance, Financial Institutions and Professional Registration to regulate and license navigators who provide assistance to people relating to enrollment in the health exchange created under the Patient Protection and Affordable Care Act. Provides that navigators may not engage in conduct that requires licensing as a producer without being so licensed. 
 
SB 287Sponsored Captives
Modifies Missouri's current captive insurance law to allow for the formation of sponsored captive insurance companies.
 
HB 133: Reinsurance Accreditation
Changes the laws regarding the accreditation requirements for reinsurance companies and specifies when an insurance company can take credit or reduce liability due to reinsurance.
 
HB 322: Electronic Policy Delivery
Allows consumers to opt in for electronic delivery of insurance policies or to access policies and endorsements on insurer websites. Provides that consumers may provide proof of motor vehicle insurance coverage to law enforcement officials on mobile electronic devices.
 
HB 339: No-Pay, No-Play
Requires an uninsured motorist to forfeit recovery of noneconomic loss under specified circumstances.
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HB 1540: Workplace Injuries
Corrects onerous Western District Court Ruling (Hooker v. Robinson) which allowed employees to sue their co-employees for workplace injuries even after collecting workers' compensation benefits. HB 1540 specifies that co-employees may not be held liable except in cases of affirmative negligence that purposefully and dangerously causes or increases the risk of injury.

HB 1495 : Immunity
Expands immunity against civil actions for insurance providers and other entities that provide information to law enforcement and regulatory agencies in conjunction with insurance fraud investigations.
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HB 407: Certificates of Insurance
Requires certificates of insurance to be filed with the Department of Insurance, Financial Institutions, and Professional Registration. Provides guidelines and restrictions relating to the content, preparation, issuance and modification of certificates of insurance.

SB 101: Storm Chasers
Prohibits contractors who perform residential exterior work from offering to pay a homeowner's deductible. Prohibits contactors from representing homeowners or negotiating with insurers on behalf of homeowners. Allows homeowners to cancel contracts for residential work after being notified by an insurer that all or part of the work will not be covered by a policy.

SB 132: Insurance Regulatory Revisons
Provides for the regulation of motor vehicle extended service contracts by the Department of Insurance, Financial Institutions and Professional Registration. Specifies provisions for the licensing, sale and content of insurance for portable electronic devices. Adopts provisions to comply with federal law relating to the licensing, taxation and regulation of surplus lines insurance.
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HB 1311: Autism Spectrum Disorders
Requires all group health benefit plans that are issued or renewed on or after January 1, 2011 to provide coverage for the diagnosis and treatment of autism disorders. Mandatory coverage is capped at $40,000 annually and only applies to dependents through 18 years of age.

HB 1498: Payment of Health Insurance Claims
Changes the laws regarding the payment of health insurance claims. The bill contains provisions relating to documentation of denied claims, time limits for carriers to communicate with insureds and health care providers, and penalties for unprocessed claims.

HB 1764: Health Care Freedom Act
Is a broad, insurance-related bill that includes the Health Care Freedom Act, which would prohibit any law from forcing a patient, employer or health care provider to participate in any government or private health care system. This issue will be placed on the August ballot for Missouri voters.

SB 583: Insurance Regulatory Issues
Requires non-resident drivers to maintain financial responsibility in compliance with their home state. Establishes standards for the director of the DIFP to determine if an insurer is operating in a hazardous financial condition. Allows health benefit plan enrollees, upon request, to receive materials from a managed care entity in electronic form. Mandates that health plans must provide coverage for adopted children on the same basis as other dependents. Requires that unearned premiums from Medicare supplement or long-term care policies be refunded within 20 days.

SB 834: Liquidation and Dissolution of Domestic Stock Insurers
Allows a domestic stock insurer to voluntarily dissolve and liquidate provided that the Director of the Department of Insurance approves the articles of dissolution.

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SB 126Life Insurance
Prohibits life insurers from taking underwriting actions or charging different rates based upon a person's past or future lawful travel destinations unless such action is based upon sound actuarial principles.
 
HB 62: Crime
Specifies that the owner of a dog that bites without provocation is strictly liable for damages; establishes crimes for knowingly producing, manufacturing, selling, distributing or possessing fraudulent auto insurance identification cards; prohibits persons 21 or younger from texting while driving; requires Missouri businesses to notify consumers of security breaches; and establishes penalties for securities fraud against the elderly or disabled.
 
HB 231Continuation of Health Coverage
Requires all group health policies to provide continuation of coverage provisions in the same manner as provided by COBRA.
 
HB 577Omnibus Insurance Issues
Clarifies that insurers that pay premium taxes are exempt from Missouri income and franchise taxes; establishes crimes for knowingly producing, manufacturing, selling, distributing or possessing fraudulent auto insurance identification cards; authorizes Missouri’s participation in the Interstate Insurance Product Regulation Compact for filing of life, disability, annuity and long-term care products; changes surplus lines license renewals from annual to biennial; changes surplus lines tax reporting requirements and provides for surplus lines taxes to be paid directly to the Department of Revenue; requires health plans to offer coverage for prosthetic devices and services; prohibits life insurers from taking underwriting actions or charging different rates based upon a person’s past or future lawful travel destinations unless such action is based on sound actuarial principles; prohibits health insurers from imposing any co-payment that exceeds fifty percent of a single chiropractic service; and amends requirements related to the formation of captive insurance companies.
 
HB 919: Health Insurance 
Authorizes association health plans to provide group health insurance to sole proprietors and self-employed individuals.
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SB 788Department of Insurance
Codifies executive order bringing Finance, Professional Registration, Credit Unions and other regulatory divisions under the Department of Insurance and re-naming it as the Department of Insurance, Financial Institutions and Professional Registration.
 
SB 863Income Tax for Educational Plans
Allows for deductibility from Missouri income tax up to $16,000 for married taxpayers contributing to Section 529 educational savings plans.
 
SB 907Motor Fuel Storage Tanks and Equipment
Establishes the Petroleum Storage Tank Insurance Fund as a Type III state agency. Added aggregate limit of $2 million to coverage requirements, extended expiration date of the fund to 2010 and adjusted the fees for participation in the fund.
 
HB 1690Auto Renewal Notices
Allows insurers to make web-based rate and form filings and authorized insurers to send auto renewal notices electronically so long as the policyholder "opts-in" and requests that renewal notices be sent in such a manner.
 
HB 1883Employment Practices
A bill dealing with employment practices, included a provision relating to workers' compensation to abrogate the Missouri Supreme Court "Schoemehl" decision by specifying that the right for workers' compensation benefits terminates upon an injured employee's death.
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HB 791Group Health Loss Data
Requires health carriers to provide a report of the total dollar amount and the total number of claims paid under the plan for a three-year period.
 
HB 818Health Insurance
Modifies the Missouri Health Insurance Pool and establishes the Missouri Health Insurance Portability and Accessibility Act.
 
SB 66Department of Insurance Enforcement Powers
Modifies various provisions of law relating to insurance company investments.
 
SB 215Captive Insurance Companies
Allows for the formation of captive insurance companies within Missouri under certain conditions.
 
SB 577Continuing Health Improvement Act
Enacts the “Missouri Health Improvement Act of 2007.”
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HB 1827Group Health Insurance
Allows associations with at least 50 members to create health insurance plans for members and provides that the Director of the Department of Insurance may allow rates charged for similar classes of business to exceed the 20% limitation imposed by the Small Group Health Insurance Act.
 
HB 1837Medical Malpractice Insurance and Enforcement Powers of the Department of Insurance
Increases financial and reporting requirements for Chapter 383 Medical Malpractice Companies. Grants the Department of Insurance increased enforcement authority over Chapter 383 companies.
 
SB 567Modifies Laws on Health Insurance Coverage
Authorizes premium credits for non-smokers. Requires health insurance companies to provide coverage for phase II clinical trials. Provides that health insurers may only apply a single co-payment on a prescription if a single dosage is not available and a combination of dosage amounts must be dispensed.
 
SB 837Modifies the Membership Requirements
This act modifies the membership requirements for the board of directors of the Missouri Health Insurance Pool, the membership of the governing committee that administers the Missouri Basic Property Insurance Inspection and Placement Program and modifies the membership of board of directors that governs the Missouri Malpractice Joint Underwriting Association.
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SB 1: Work Comp Reforms 
This bill amends various provisions of workers' compensation law, including modified definitions of the terms "accident" and "injury."
 
HB 393: Tort Reforms 
Amends state laws affecting claims for damages and their payment, and establishes venue in all tort actions.
 
HB 866Insurance Fraud
Increases the penalties for those who engage in fraudulent actions with respect to an insurance transaction. (MAIA favored with reservations)
 
HB 388Department of Insurance Records
Defines certain documents provided to the Department of Insurance as non-public documents, including detailed information in consumer complaint files and information submitted by an insurer or producer in conjunction with investigations. Allows the Department to make such documents available to other governmental entities or courts.
 
SB 168Construction Defects in Residential Property
Creates a process to resolve disputes arising out of alleged construction defects in residential property. This act permits contractors to repair construction defects prior to the commencement of litigation.
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SB 1299: This omnibus insurance bill was the Missouri Association of Insurance Agents' and the Missouri Insurance Coalition's (insurance companies) major legislation in 2004. Passage of this bill was a major win for MAIA because it ...
  • Increases the amount the Missouri P&C Guaranty Association will pay for return premiums to $25,000 (was $10,000) and now allows payments for "pain and suffering" up to the limits of the policy. Pain and suffering was previously excluded.
  • Increases the available limits for a home in the FAIR Plan to $200,000 (was $100,000).
  • Establishes the minimum term of an automobile policy at six months.
  • No longer requires surplus lines licensees to post a bond.
HB 1291 and SB 1086: Under these bills, lenders of residential mortgages are prohibited from requiring borrowers to purchase homeowners' insurance coverage in an amount exceeding the replacement value of improvements and contents. The law took effect Aug. 24, 2004. MAIA favored the bill.
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HB 254: This bill repealed the Missouri Digital Signatures Act (Sections 28.600 - 28.678, RSMo) and enacted the provisions of the Uniform Electronic Transactions Act, making electronic transactions as enforceable as traditional paper transactions if the parties agree to transact electronically. The act does not apply to the creation and execution of wills, codicils, and testamentary trusts or to transactions subject to the Uniform Commercial Code, except for sales (Article 2) and leases (Article 2A).

HB 314This bill prohibits public entities and persons acting on behalf of public entities from requiring bidders and contractors on public works construction projects to obtain surety bonds from specific insurance or surety companies.

SCS HCS HB 380: This bill substantially revised and modernized the securities regulation laws, incorporating many provisions of the Uniform Securities Act. In its main provisions, the bill:

  1. Authorizes the Secretary of State to seek court orders requiring violators to disgorge illicit profits, pay restitution, and pay into the Investor Education and Protection Fund, which the bill establishes;
  2. Increases criminal fines to $1 million;
  3. Requires banks with on-premise brokerage firms to comply with federal rules;
  4. Modernizes, simplifies, and broadens exemptions from securities registration with the state;
  5. Promotes consistency with other states and the Securities and Exchange Commission in the definition of "security";
  6. Authorizes civil prosecution of individuals who materially aid in violations; and
  7. Adds civil penalties of $10,000 for one violation and up to $1 million for more than one violation.

CCS SS SS SCS HCS HB 600: This bill enacted various changes relating to taxation. Included is a provision that requires a tax clearance from the Department of Revenue prior to the issuance or renewal of any professional license granted by the state.

SB 207: This act modified the law regarding damage claims by rental companies. Under this act, all damage claims made by a rental company must be reasonably and rationally related to the actual loss incurred. Rental companies shall not assert a claim for damages which exceeds: (1) the actual cash value of the vehicle less any proceeds from the disposal of the vehicle, or (2) the actual cost to repair the vehicle including all discounts or price reductions, whichever is less.

The renter shall be presumed to have no liability for loss due to theft if an authorized driver has possession of the key or establishes the key was not in the ignition and the authorized driver promptly files a police report on the theft.  

HCS SCS SB 385: Modified how taxes are calculated for workers' compensation policies with deductible options.
This act establishes that when calculating administrative surcharges, the amount shall be based upon the total premiums that would have been paid for the deductible portion. The portion of the workers' compensation policy with a deductible option that is subject to an administrative surcharge shall not be subject to premium taxes, nor with respect to foreign insurance companies, or the retaliatory tax imposed pursuant to Section 375.916, RSMo.
 
In order to fund the Workers Compensation Division, the Division Director may impose a surcharge on every workers' compensation deductible plan policyholder insured pursuant to Chapter 287, RSMo. Sections 287.716, and 287.717, RSMo, set out procedures regarding the calculation and application of the surcharge. 
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HB 1502: Credit Scoring
This was MAIA's major priority legislation. Among other things, the bill:
 • Prohibits insurers from using credit information or the lack thereof as the sole factor in underwriting.
 • Provides guidance to consumers on how to obtain their credit reports and how to challenge unfavorable or disputed information, and
 • Clarifies that consumers are not damaging their credit histories simply by shopping for insurance. Effective 7/1/03
 
HB 1468: Commercial Deregulation and Guaranty Assn. Changes
This bill includes a "clean-up" of the commercial deregulation law that passed in 2001. It would more efficiently implement the current law. It also makes minor changes to allow the Guaranty Association to accept claim forms from liquidators. (They previously required that their claim forms be used.) Effective 8/28/02
 
HB 1532: Dram Shop Bill
Restores "dram shop" immunity in Missouri except for serving a minor or an obviously intoxicated person. Effective 8/28/02.
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