General Information
- Life and Health Division staff listing with contact information
- All filings must be submitted electronically through the System for Electronic Rate and Form Filings (SERFF) website.
- SERFF Public Access for users without a SERFF login
- Click Begin Search, then under Filing Search, provide as much information as possible to narrow the results.
- If you do not see what you are looking for, broaden the search.
- You can sort your research results by date or type of filing.
- SERFF login page for authorized filers
- See the Nebraska General Instructions in SERFF for technical instructions and general filing requirements.
- Product-specific filing requirements are provided below and organized by type of product.
- NAIC Glossary of Insurance Terms
Trade Secret Protection for Health Insurance Filings in SERFF
- Provides instructions for making a trade secret request and lists categories of information that will, or will not, be given trade secret protection
- A trade secret request form specifically designed for major medical products is provided below under "Major Medical (ACA Individual, Small Group and Large.)"
- For group policy filings, please specify the type of group (employer, union, trust, association, discretionary group, etc.) under Neb. Rev. Stat. § 44-760 for accident and sickness insurance and §§ 44-1601 to 44-1606.03 for life insurance.
- Under federal rules, non-employer groups are not permitted for ACA major medical insurance.
- Non-employer groups should provide information about the type of group and how the group meets statutory requirements for group status.
- A Note About Life and Health Division Checklists
- The Life and Health Division collects the following reports through SERFF:
- Major Medical:
- Prompt payment report under Neb. Rev. Stat. § 44-8006
- Due December 1.
- NDOI posts a list of all carriers that submitted a prompt payment report each year, see the Prompt Payment Act section below.
- Grievance procedure compliance certification under Neb. Rev. Stat. § 44-7307(29)
- Filed "annually."
- Quality assessment and improvement annual compliance certification under Neb. Rev. Stat. § 44-7307(2)(a)
- Filed "annually."
- Prompt payment report under Neb. Rev. Stat. § 44-8006
- Medicare Supplement:
- Multiple policies report under 210 NAC ch. 36 § 022 (sections 14(B)(1) and section 14(C) of the NAIC Model adopted by reference), form at Appendix B of the Model
- Due March 1.
- Refund calculation report under 210 NAC ch. 36 § 014.02(a) and 014.03 (sections 22 of the NAIC Model adopted by reference)
- Due May 31.
- Multiple policies report under 210 NAC ch. 36 § 022 (sections 14(B)(1) and section 14(C) of the NAIC Model adopted by reference), form at Appendix B of the Model
- Long-Term Care:
- Long-Term Care (LTC) reports can be filed as a group. Most insurers use this method.
- LTC suitability report under 210 NAC ch. 46 § 021.08
- Due June 30.
- LTC lapse and replacement report under 210 NAC ch. 46 § 013
- There is a worksheet for this report.
- Due June 30.
- LTC denial report under 210 NAC ch. 46 § 013.06
- There is a worksheet for this report.
- Due June 30.
- LTC recission report under 210 NAC ch. 46 § 009.05
- There is a worksheet for this report.
- Due March 1.
- Life and Annuities:
- Advertising certification (for life and annuities) compliance certification under 210 NAC ch. 50 § 010.03
- Due March 1.
- Life illustration report under 210 NAC ch. 72 § 011.02
- Filed "annually."
- Statement of actuarial opinion for interest-indexed universal life policies under 210 NAC ch. 40 § 010.02 and 010.03
- Filed "annually."
- Advertising certification (for life and annuities) compliance certification under 210 NAC ch. 50 § 010.03
- Major Medical:
- Summary explanation of the Interstate Insurance Compact
- Compact website resources for insurers.
- SERFF public records for Nebraska include Compact filings.
Accident & Sickness Insurance
- The Health Care Prompt Payment Act is at Neb. Rev. Stat. § 44-8001 to § 44-8010
- Insurance companies that filed a prompt payment certification, listed by year for the most recent five years:
- Prompt Payment Act Compliance Statements - 2023
- Prompt Payment Act Compliance Statements - 2022
- Prompt Payment Act Compliance Statements - 2021
- Prompt Payment Act Compliance Statements - 2020
- Prompt Payment Act Compliance Statements - 2019
- Prompt Payment Act Compliance Statements - 2018
- Health care provider reporting form
- The Discount Medical Plan Organization Act is at Neb. Rev. Stat. § 44-8301 to § 44-8316. A Discount Medical Plan Organization (DMPO) provides a discount on medical or ancillary services from certain providers in exchange for a fee or other payment. A provider who gives discounts to his or her own patients without any cost to the patient to access those discounts is not required to obtain a certificate of registration as a DMPO. A DMPO is not an insurer and does not hold premium dollars to pay claims on behalf of its members.
- The Life and Health Division approves DMPOs to operate in Nebraska.
- DMPO applications are not accepted in SERFF.
Individual and Small Group ACA Checklist
- Large Group ACA Checklist
- Student Health Rate and Form Guidelines
- Rate Filing Guidance for All Types of Major Medical
- Mental Health Parity Forms for Filers (required)
- Access Plan fillable form (only closed plans require an access plan submission, format is optional)
- NDOI Guidance Document, electronic delivery of policies and notices for health insurance
- Glossary of Health Insurance Terms
- State statutory mandates apply if phrased as "to the extent not preempted by federal law" or something similar. Because ERISA only applies to businesses, ERISA does not preempt Nebraska's statutory benefit mandates.
- Self-insured non-federal governmental plans are subject to some federal and state laws.
- Federal resources:
- Information page from the Center for Consumer Information and Insurance Oversight (CCIIO), a division of the Centers for Medicare & Medicaid Services (CMS)
- CCIIO explanation of how the Affordable Care Act impacted self-insured non-federal governmental plans
- Compliance checklists, presentations, HIPAA opt-out materials, and notices
- CCIIO Technical Guidance on External Review Process for Self-Insured Non-Federal Governmental Health Plans
- Stop Loss Checklist
- Stop-loss policies can be filed under the health line of insurance or under property and casualty
- Corresponding rate filings are required.
- Guidance Document with filing requirements for short-term limited duration policies in Nebraska
- Individual Short-Term Medical Checklist
- Group Short-Term Medical Checklist
- Filings are required for out-of-state associations selling STLDI to Nebraska Citizens
- Demonstrate group status as an association or discretionary group under § 44-760
- STLDI disclosure chart (example of acceptable comparison to ACA standards)
- Nebraska's mandated benefits for major medical products apply to short-term medical plans because Nebraska statutes do not have a 365-day requirement for a policy to be classified as major medical.
- In SERFF, use the major medical TOI with the short-term medical sub-TOI.
- Rate filing guidance for all types of major medical applies to these products
- ACA Stand-Alone Pediatric Dental Checklist
- Individual Dental Checklist
- Group Dental Checklist
- Individual Limited Benefit Checklist (includes vision)
- Group Limited Benefit Checklist (includes vision)
- Please note that the Department uses NAIC Models 170 and 171 to determine reasonableness for products when there is no stated standard for an issue.
- Any products that do not meet the minimum standards for that type of product must comply with the additional disclosure requirements for limited benefit policies.
- Limited benefit includes all types of excepted benefit or supplemental sickness and accident policies: dental, vision, indemnity, disability, accident only, death and dismemberment, and specified disease policies.
- While short-term limited duration health insurance is a type of limited benefit policy, STLDI has its own category on this web page.
- Individual Medicare Supplement Checklist
- Medicare Supplement New Business Template
Durational Loss Ratio Exhibit for Medicare Supplement, Jan 2, 2024 (sample spreadsheet calculation that must be provided in the rate filing)- For 2010 plan rate filings, under the SERFF Supporting Documents tab, provide an excel version of rate tables and under Rate/Rule, provide a PDF version of rate tables.
- NAIC Model 561 (incorporated by reference in Nebraska's Medicare Supplement Regulation)
- Required support for rate increase requests:
- Long-Term Care Rate Review Request Template
- Nebraska TX PPV Method Illustration Spreadsheet
- Long-Term Care Assumptions Request Sheet
- Long-Term Care Rate History by State Form (provides an example of acceptable rate history by state)
- Long Term Care Rate Increase Policyholder Letter Checklist
- A separate SERFF form filing is required for the policyholder letter
- Because NDOI review may include changes to reduced benefit options or require that the increase be implemented in phases, NDOI preference is that the policyholder letter filing be made when the rate increase request is finalized. Policyholder letter filings will be placed in pending status until the rate increase request is finalized.
- Long-Term Care Partnership
Life Insurance and Annuities
- Life insurance checklists are still being developed and exposed to the industry.
- Coming soon:
- Individual Fixed Life Checklist (includes equity indexed)
- Group Fixed Life Checklist (includes equity indexed)
- Individual Variable Life Checklist
- Group Variable Life Checklist
- For all life form filings, indicate whether the product will be marketed using an illustration
- If variable products contain a reference to an equity index, specific questions in the Variable Life Checklists will clarify the required justification for variable nonforfeiture. Products filed under the variable TOI should not use the words "equity" or "indexed" in their name and must include a disclosure that even though the product includes a reference to an index, the product was approved as variable with different nonforfeiture rights than those available for purely equity-indexed products.
- Corporate Owned Life Insurance (COLI) Form Filing Requirements
- Interest Rate Added to Death Claims
- If a life insurer does not pay a death claim within 30 days of receiving proof of loss, Neb. Rev. Stat. § 44-3,143 requires the insurer to pay interest at the rate that was in effect on January 1 of the calendar year in which the proof of loss was submitted to the insurer.
- The current rate to be added to death claims not paid within 30 days of receipt of proof of loss in Nebraska is posted on the Nebraska Supreme Court's web page: https://supremecourt.nebraska.gov/rules/administrative-policies-schedules/interest-rate.
- Fixed Annuities:
- Individual Fixed Annuity Checklist
- Group Fixed Annuity Checklist (coming soon)
- The correct line of insurance for fixed annuities is life insurance at Neb. Rev. Stat. § 44-201(1).
- Variable Annuities:
- Individual Variable Annuity Checklist (includes ILVA guidance)
- Group Variable Annuity Checklist (coming soon)
- Variable annuities have their own line of insurance under Neb. Rev. Stat. § 44-201(3).
- The variable life product regulation at 210 NAC 15 applies to variable annuity products.
- If a product filed as variable includes a reference to an equity index, the product's name cannot include the words "equity" or "index." See checklist for details.
- Advisory fees or other broke payments can only be subtracted from the balance if they relate to broker services for this particular product. General fees that are not tied to the product cannot be included in fees that can lower the product's balance.
- Guaranteed Investment Contract Plan of Operations Checklist
- Guaranteed Investment Contract Checklist
- Synthetic Guaranteed Investment Contract Plan of Operations Checklist
- Synthetic Guaranteed Investment Contract Checklist
- After a plan of operations has been approved, products issued under that plan of operations can be filed. When filing a new product, please reference the SERFF tracking number for the approved plan of operations under which that new product will be issued.
- Trade secret protection for sensitive information in plans of operations is available but must be requested. A redacted version of the actuarial memorandum must be provided with any request for trade secret protection.
- Viatical Settlement Checklist
- NDOI's Viatical Settlement Provider Application, Viatical Settlement Provider Annual Renewal, and Viatical Individual Mortality Annual Report are posted on the Company Admissions page.
- NDOI's Viatical Settlement Broker Declaration Form and Viatical Settlement Broker Bond Form are posted on the Producer Licensing page.
Additional Products
- Assumption Reinsurance Checklist
- Standards for approval of the transfer are provided in the checklist, along with standards for approval of the notice to policyholders.
- Filing requirements based on insurers' domicile:
- If the assuming or transferring insurer is domiciled in Nebraska, the transfer must be approved by NDOI.
- If the assuming or transferring insurer is domiciled in a state that has not adopted assumption reinsurance laws substantially similar to the NAIC Model, the transfer must be approved by NDOI.
- If both the transferring and assuming insurers' domiciles have laws substantially similar to the NAIC Model, NDOI approval is not required. Proof of approval in the insurers' domiciles can be submitted in SERFF with the notice to policyholders.
- Nebraska's standards are substantially similar to standards in NAIC Model 803.
- For credit life and credit accident and health insurance, loss ratio standards and prima facie rates are published in a guidance document.
