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Definition of "issued or delivered"


Guest WelfareBoy
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Guest WelfareBoy

Would anyone care to offer an opinion of what "issued or delivered" means in an insurance contract context?

I often run into state insurance laws that purport to affect any policies "issued or delivered" in that state. It appears that one state could dictate the contents of another state's insurance policy.

For example, State A requires coverage of domestic partners in all group health insurance policies issued or delivered in State A.

An employer in State B purchases a group insurance policy in State B from a carrier licensed in State B. The contract happens to cover some employees who live in State A.

In this situation, must the State B employer make domestic partner coverage available for all employee that reside in State A?

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There are different laes, mandates and regulations in each state. Generally, states recognize this and will accept the group policy issued in another state. So, in your example, State A should not require the carrier to amend its contract to cover domestic partners.

However, State A or the local governmental entity may require that employers doing business within the jurisdiction recognize domestic partners if they wish to do business with the governmental agency. In such a situation, the employer must provide the coverage for those employees.

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