Title 26 Insurance Code

26-5-103. "Disability insurance" defined.

(a) Disability insurance is insurance of any kind on human beings against: (i) Bodily injury, disablement or death by accident or accidental means, or the expense thereof; or (ii) Disablement or expense resulting from sickness. (b) For any statute with an effective date on or after July 2, 2011, and unless expressly and specifically provided by statute, the term "disability insurance" does not include any of the following excepted benefits: (i) Accident only insurance; (ii) Accidental death or dismemberment insurance; (iii) Credit insurance; (iv) Dental or vision care insurance; (v) Medicare supplemental insurance as defined by section 1882(g)(i) of the federal Social Security Act; (vi) Long-term care insurance, including nursing home fixed indemnity insurance, except if the commissioner determines that the insurance provides benefits so comprehensive that it is the equivalent of a health benefit plan and should not be exempt under this section; (vii) Disability income or a combination of accident only and disability income insurance; (viii) Insurance issued as a supplement to liability insurance; (ix) Specified disease insurance; (x) Workers' compensation insurance; (xi) Medical payment insurance coverage provided under a motor vehicle insurance policy; (xii) Hospital confinement indemnity insurance; (xiii) Limited benefit insurance that is offered and marketed as supplemental health insurance and not as a substitute for hospital or medical insurance or major medical expense insurance.