Informational Letters

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Important Message About Informational Letters

Important Message About Informational Letters

The Informational Letters below represent the Insurance Commissioner’s current policy positions on various insurance-related topics. Please be advised that the West Virginia Offices of the Insurance Commissioner no longer delivers Informational Letters by U.S. Mail. If you wish to receive these Letters, you must maintain a correct e-mail address by notifying Janice Hemmelgarn at Janice.L.Hemmelgarn@wv.gov. If you have a question concerning an Informational Letter, please e-mail your question to OICInformationalLetters@wv.gov or call (304) 558-0401.

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Informational Letters Index - Listed by most recent letter

Number	Description	Comment	Sort by Value
#206	Mandatory Reporting of Known or Suspected Insurance Fraud & Related Criminal Activity; Potential Consequences for Failure to Report	Dataed: November 2019	206.0
#205	Guidance on Rebating and Value-Added Products and Services	Dated September 2019	205.0
#204	West Virginia Life and Health Insurance Guaranty Association Act Summary Document	Dated: June 2019	204.0
#203	Summary of 2019 Legislation	Dated: April 2019	203.0
#202	Permissible Duties of Unlicensed Customer Service Representatives	Dated: February 2019	202.0
#201	Letter of Exemption From Workers' Compensation Insurance Coverage	Dated: November 2018	201.0
#200	Summary of 2018 Legislation	Dated: June 2018 - 2018 Legislative Summary	200.0
#199	Summary of 2017 Legislation	Dated: June 2017 - 2017 Legislative Summary	199.0
#198	Gramm-Leach-Bliley Act Annual Privacy Notices	Dated: June 2017	198.0
#197	Summary of 2016 Legislation	Dated: May 2016	197.0
#196	Protecting Affordable Coverage for Employees Act	Dated: October 2015	196.0
#195	Medical Procedure Coding	Dated: July 2015	195.0
#194	Excess/Umbrella Liability Policies - UM/UIM Offer Forms	Dated: July 2015	194.0
#193	Minimum Financial Responsibility Limits & UM/UIM Offer Forms	Dated: July 2015	193.0
#192	Summary of 2015 Legislation	Dated: May 2015	192.0
#191A	Hospital Indemnity or Other Fixed Indemnity Policies - Attestation Requirement	Dated: February 2017	191.5
#191	Hospital Indemnity or Other Fixed Indemnity Policies	Dated: December 2014 - See Informational Letter #191A Dated February 2017	191.0
#190A	W. Va. Code of St. R. 114-97 - External Review of Issuers' Adverse Health Insurance Determination	Dated: July 2015	190.5
#190	W. Va. Code of St. R. 114-95 - Utilization Review & Benefit Determination; W. Va. Code of St. R. 114-96 - Health Plan Issuer Internal Grievance Procedure; W. Va. Code of St. R. 114-97 - External Review of Issuers' Adverse Health Insurance Determination	Dated: October 2014	190.0
#189	Unfair Claims Settlement Practices Act, Notice of Necessary Delay Letter(s) and W.Va. Code of State Rules §§114-14-1, et seq.	Dated: May 2014	189.0
#188	Summary of 2014 Legislation	Dated: April 2014 - 2014 Legislative Summary	188.0
#187	Summary of 2013 Legislation	Dated: July 2013 - 2013 Legislative Summary	187.0
#186A	Providing Essential Health Benefits in West Virginia	Dated: February 2016	186.5
#186	Providing Essential Health Benefits in West Virginia	Dated: March 2013	186.0
#185	Infertility Services - Minimum Benefits	Dated: March 2013	185.0
#184	"Habilitative Benefit" Category of Essential Health Benefits	Dated: March 2013	184.0
#183	West Virginia Workers' Compensation Regulatory Surcharge Change	Dated: July 2012	183.0
#182	Guidance on the Implementation of the West Virginia Long-Term Care Partnership Program	Dated: June 2012	182.0
#181A	Amended Summary of 2012 Legislation	Dated: January 2013 - 2012 Legislative Summary	181.0
#180	West Virginia FAIR Plan and the Voluntary Market	Dated: June 2011	180.0
#179	Summary of 2011 Legislation	Dated: July 2011 - 2011 Legislative Summary	179.0
#178A	Use of Retained Asset Accounts	Dated: May 2011 - Effective July 11, 2011. Supersedes Informational Letter 178.	178.0
#177	Processing of Occupational Pneumoconiosis Claims	Dated: April 2011	177.0
#176	Workers' Compensation Dependents' Death Benefits - Notices to Dependents Under W. Va. Code §23-4-10(f)	Dated: October 2010	176.0
#174	Summary of 2010 Legislation	Dated: June 2010 - 2010 Legislative Summary	174.0
#173	Alternative Payment Methods for Benefit Awards	Dated: September 2009	173.0
#172	Record Retention Requirement	Dated: September 2009	172.0
#171	Debt Cancellation Contracts and Debt Suspension Agreements	Dated: September 2009	171.0
#170	Funeral or Cemetery Expenses pursuant to W. Va. Code §23-4-4(a)	Dated: August 2009	170.0
#169	Summary of 2009 Legislation	Dated: September 2009	169.0
#168A	Extended election period for COBRA coverage pursuant to the American Recovery and Reinvestment Act of 2009	Dated: April 2009 - Revised Informational Letter #168	168.1
#168	Extended election period for COBRA coverage pursuant to the American Recovery and Reinvestment Act of 2009	Dated: April 2009	168.0
#167	Workers' Compensation Non-Awarded Partial ("NAP") Benefits	Dated: March 2009	167.0
#166	Licensure of PBMs as TPAs	Dated: February 2009	166.0
#165	Definition of "Governmental Bodies" as used in WV Code §23-2C-15(b)	Dated: January 2009	165.0
#164	Limitations on Reopenings Imposed by WV Code §23-4-16	Dated: October 2008	164.0
#163	Mandatory Use of SERFF and EFT for Submitting Rate and Form Filings	Dated: September 2008	163.0
#162A	Procedures for Calculating Workers' Compensation Benefits Based on Average Weekly Wage	Dated: April 2011 - Updated Informational Letter #162	162.1
#162	Procedures for Calculating Workers' Compensation Benefits Based on Average Weekly Wage	Dated: August 2008	162.0
#161	Procedures to Follow for Coverage Issues	Dated: August 2008	161.0
#160	West Virginia Workers' Compensation Legislative Changes - HB 4636	Dated: May 2008	160.0
#159	Summary of 2008 Legislation	Dated: May 2008	159.0
#158	Summary of 2007 Legislation	Dated: June 2007	158.0
#157	Dependents' Death Benefit Claim under W. Va. Code § 23-4-10	Dated: May 2006	157.0
#156	Summary of 2006 Legislation	Dated: April 2006	156.0
#155	Appointment requirements for producers acting on behalf of an insurance company	Dated: December 2005	155.0
#154	Mandatory Reporting of Insurance Fraud and Designation of Company Fraud Contact	Dated: December 2005	154.0
#153	Clarification of "Notation of Consumer Costs Savings" Requirement	Dated: June 2005	153.0
#152	Summary of 2005 Legislation	Dated: May 2005	152.0
#151	Interpretation of Exception to Licensure Requirement for Adjusters Under 114-25-3.2	Dated: February 2005	151.0
#150	Implementation of Nonrenewal Method Elected by Insurer under West Virginia Code Section 33-6A-4b	Dated: December 2004	150.0
#149	Complaint Record	Dated: October 2004	149.0
#148	Reunderwriting Policies of Property Insurance	Dated: July 2004	148.0
#147	Summary of 2004 Legislation	Dated: May 2004 - 2004 Legislative Summary	147.0
#146	Mental Health Parity	Dated: October 2003	146.0
#145	Summary of 2003 Legislation	Dated: June 2003 - 2003 Legislative Summary	145.0
#144	Foreign licensed fraternal, life and accident and health, property and casualty, risk retention groups, title and reciprocal insurance companies	Dated: January 2003	144.0
#143	Revisions - Official Used Car Guides	Dated: July 2002 - Relates to 115, 123, 127	143.0
#142B	Credit Scoring for Personal Lines	Dated: December 2007	142.2
#141	Summary of 2002 Legislation	Dated: July 2002 - 2002 Legislative Summary	141.0
#140	Family Member Exclusions	Dated: July 2002	140.0
#138	Executive Order Blocking Property & Prohibiting Transactions with Persons who Permit, threaten to commit, or support terrorism	Dated: October 2001	138.0
#135B	Electronic Transaction of Insurance	Dated: July 2010	135.2
#134	All HMO's - Patient Bill of Rights	Dated: July 2001	134.0
#133	All Insurers - Insurance Tax Procedures Act (ITPA)	Dated: June 2001	133.0
#132	Risk Retention Groups-Insurance Tax Procedures Act (ITPA)	Dated: June 2001	132.0
#131	Excess Lines Brokers - Insurance Tax Procedures Act (ITPA)	Dated: June 2001	131.0
#130	UM/UIM Excess Form	Dated: June 2001	130.0
#128	Summary of Legislation Enacted During the 2001 Regular Session of the West Virginia Legislature	Dated: May 2001 - 2001 Legislative Summary	128.0
#127	Official Used Car Guides	Dated: February 2001 - Relates to 115, 123, 143	127.0
#126	Premium Tax Credit for Investment in West Virginia Securities (House Bill 4303)	Dated: January 2001 - Revised forms January 2002	126.0
#124	Codification of Statutory Accounting Principles	Dated: October 2000	124.0
#123	Official Used Car Guides	Dated: October 2000 - Relates to 115, 127, 143	123.0
#121-A	Clarification of Uninsured and Underinsured Coverage Offers	Dated: July 2002	121.1
#121	Follow-up to Informational Letters #120 and #120-A-Revised Forms and Explanation of Procedure for "Making Available" UM and UIM coverage to Insureds.	Dated: July 2000 - Amended by Informational Letter #121-A; See Informational Letter #135B	121.0
#119-B	Arbitration and Appraisal Provisions - Homeowners	Dated: July 2002 - Supersedes Informational Letter #119-A	119.2
#118	Summary of Legislation Enacted During the 2000 Regular Session of the West Virginia Legislature	Dated: May 2000 - 2000 Legislative Summary	118.0
#116	Aids Testing/Reporting Requirements	Dated: November 1999	116.0
#115	Adjustment of Total Loss Auto Claims	Dated: May 1999	115.0
#114	Summary of Legislation Enacted During the 1999 Regular Session of the West Virginia Legislature	Dated: May 1999 - 1999 Legislative Summary	114.0
#113	Triple X (Senate Bill 214)	Dated: April 1999	113.0
#112	Health Maintenance Organization Renewal Application Checklist	Dated: November 1998 - Mileage standards are applicable	112.0
#110	Brief summary of significant insurance legislation enacted during the 1998 regular session of the West Virginia Legislature	Dated: May 1998 - 1998 Legislative Summary	110.0
#109-B	Time Frame for Writing Medicare Supplement Applications	Dated: January 2016	109.12
#109-A	Solicitation of medicare supplement policies to persons eligible by reason of age -- time frame for obtaining medicare supplement application,	Dated: May 1998	109.1
#107	CanadaNon-ResidentInter-Province Motor Vehicle Liability Insurance Power Of Attorney And Undertaking	Dated: August 1997 - Contact information is accessible at www.ccir-ccrra.org	107.0
#106	Election Of Individual Guaranteed Issue Policies Under The Federal Fallback Provisions Of The Health Insurance Portability And Accountability Act Of 1996 And West Virginia Code §33-15-2b	Dated: July 1997	106.0
#105	Revised Resident Agent Licensing Application	Dated: June 1997 - Forms are current	105.0
#104	Summary of Significant Insurance Legislation Enacted During The 1997 Regular Session Of The West Virginia Legislature	Dated: May 1997 - 1997 Legislative Summary	104.0
#102	Insurance For Diabetics	Dated: November 1996	102.0
#101A	Punitive Damages Exclusions In Personal Lines Liability Insurance Policies	Dated: January 1997	101.0
#99	HMO Provider Billing	Dated: August 1996	99.0
#98	Significant 1996 HMO Statutory Changes	Dated: July 1996 - 1996 Legislative Summary regarding Health Maintenance Organizations	98.0
#97	Automotive Crash Parts	Dated: May 1996	97.0
#96	Summary Of 1996 Legislation	Dated: May 1996 - 1996 Legislative Summary	96.0
#95	Treatment Of Assessment Payments	Dated: May 1996	95.0
#94-B	1996 Legislative Information Pertaining To Replacement Of Life Insurance And Low Value Life Insurance Policies	Dated: August 1996	94.2
#92	Summary Of 1995 Legislation	Dated: April 1995 - 1995 Legislative Summary; numbered incorrectly	92.0
#91	Summary Of 1994 Legislation	Dated: April 1994 - 1994 Legislative Summary	91.0
#90	Release Of Records For Medicaid Recipients	Dated: Oct. 26, 1993	90.0
#87	Summary Of 1993 Legislative Rules	Dated: June 1993 - 1993 Rules Summary	87.0
#86	Summary Of 1993 Legislation	Dated: May 1993 - 1993 Legislative Summary	86.0
#80	Brief Summary Of Significant Insurance Legislation Enacted During The 1992 Regular Session Of The West Virginia Legislature.	Dated: May 1992 - 1992 Legislative Summary	80.0
#77	Significant Insurance Legislation Enacted During The 1991 Regular Session Of The Legislature	Dated: April 1991 - 1991 Legislative Summary	77.0
#73	Temporomandibular Joint Disorder (TMD) And Craniomandibular Disorder (CMD) Regulation	Dated: June 1990	73.0
#70	Brief Summary Of Significant Insurance Legislation Enacted During The 1990 Regular Session Of The West Virginia Legislature	Dated: May 1990 - 1990 Legislative Summary	70.0
#65	Significant Insurance Legislation Enacted During The 1989 Regular Session Of The WV Legislature	Dated: July 1989 - 1989 Legislative Summary	65.0
#61	§3903(d)(2) Of The Federal Risk Retention Act Of 1986, Requiring Purchasing Groups To Give Notice To State Insurance Commissioners	Dated: April 1989	61.0
#57	Filing Requirements For Insurers Providing Accident And Sickness Coverage, Group & Individual, In West Virginia	Dated: Dec. 1988 - Use caution on exemptions	57.0
#52 Errata	Errata	Legislative Action	52.2
#52	Insurance Legislation Enacted During The 1988 Session Of The WV Legislature	Dated: June 1988 - 1988 Legislative Summary	52.0
#50	Federal Liability Risk Retention Act Of 1986	Dated: April 12, 1988	50.0
#49	Complaints And Inquiries Concerning Agents Of The Insurer	Dated: February 2, 1988	49.0
#48	Guidelines For Video-Cassette Commercials	Dated: December 28, 1987	48.0
#45B	Disapproval Of Policies By Lienholders Due To Lack Of A.M. Best Rating, §33-11-5(b)(2) Of The West Virginia Code	Dated: May 1993	45.2
#43 Sup	Senate Bill No. 487 -- Disclosure Information Concerning Mass Marketed Life And Health Insurance Filing Abstracts		43.1
#43	Mass Marketed Life And Health Insurance Filing Abstracts	Dated: July 1987	43.0
#42	Brief Summary Of Significant Insurance Legislation Enacted During The 1987 Regular Session Of The West Virginia Legislature.	Dated: May 1987 - 1987 Legislative Summary	42.0
#40	Approval Of Rate Filings - Consent To Rate	Dated: Dec. 1986 - Fee has changed to $25.00	40.0
#39	Cancellation Or Nonrenewal Of Automobile Liability Or Physical Damage Insurance Policies	Dated: July 1, 1986 - Amends Informational Letter #35	39.0
#38	Brief Summary Of Significant Insurance Legislation Enacted During The 1986 Regular Session And First Extraordinary Session Of The WV Legislature	Dated: July 1986 - 1986 Legislative Summary	38.0
#33	Brief Summary Of Significant Insurance Enacted During The 1985 Regular Session Of The WV Legislature	Dated: May 1985 - 1985 Legislative Summary	33.0
#32	Compulsory Motor Vehicle Liability Insurance - Statute	Dated: April 1985	32.0
#25	Brief Summary Of Significant Insurance Legislation Enacted During The 1984 Regular Session Of The WV Legislature	Dated: June 1984 - 1984 Legislative Summary	25.0
#15	West Virginia Administrative Regulation Of Credit Life And Credit Accident And Sickness Insurance	Dated: November 1982	15.0
#10	Valued Policy Law	Dated: January 1980 - See W.Va. Code § 33-17-9	10.0
#6	Excessive Charges By Agents	Dated: October 1971	6.0