Exhibit B. State-By-State Data Security Overview

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Exhibit B. State-By-State Data Security Overview"

Transcription

1 Exhibit B State-By-State Data Security Overview Michele A. Whitham Partner, Founding Co-Chair Security & Privacy Practice Group Foley Hoag LLP 155 Seaport Boulevard Boston, MA 02210

2 State Statute Citation Overview of Statutory Scheme Alabama (None) Alaska Arizona Alaska Stat et seq. Ariz. Code Ariz. Rev. Stat. Ann Violators are liable for a civil penalty of up to $500 for each resident who is not notified of a breach, up to $50,000. Also establishes specific guidelines governing theft of and damage to consumer credit, including a credit "security freeze" system by which consumers can attempt to prevent damage to their credit during the process of rectifying the breach. May delay disclosing breach if an appropriate law enforcement agency determines disclosure will interfere with a Notification may be written, electronic or by substitute notice ( , posting on website, media notification) if the first two methods of notification exceed $150,000 or class of individuals exceeds 300,000 people. Upon becoming aware of a breach of personal information, a reasonable investigation must be conducted and individuals notified accordingly. Notification may be written, electronic, telephonic or by substitute notice ( , posting on website, media notification) if the first three methods of notification exceed $50,000 or class of individuals exceeds 100,000 people. Arizona has adopted anti-spyware law (AG, software providers and website and trademark owners can bring enforcement suits) Arkansas Ark. Code et seq. Ark. Code. Ann et seq. Establishes general security guidelines for those who own and/or manage personal information to follow in the event or suspicion of a breach. Notification of a breach must be made to any resident of Arkansas in the most expedient time and manner possible, without unreasonable delay All rights reserved.

3 Notification may be written, electronic or by substitute notice ( , posting on website, media Arkansas has adopted anti-spyware law (AG can enforce) California Cal. Civ. Code 56.06; ; ; Cal. Bus. & Prof. Code et seq specifically addresses maintenance and disclosure requirements of personal medical information. Also establishes specific guidelines governing theft of and damage to consumer credit, including a credit security freeze system by which consumers can attempt to prevent damage to their credit during the process of rectifying the breach applies whether computerized consumer records are maintained in or out of the state. Notification may be written, electronic or by substitute notice ( , posting on website, media NOTE: California created California s Office of Privacy Protection (COPP) in 2000 California has adopted anti-spyware law (no enforcement provisions) Colorado Colo. Rev. Stat Awareness of breach requires a good faith, prompt investigation to determine likelihood personal information has been or will be misused. Notification may be written, electronic, telephonic or by substitute notice ( , posting on website, media notification) if the first three methods of notification exceed $50,000 or class of individuals exceeds 250,000 people. NOTE: Colorado has created the Colorado Office of Cyber Security which focuses on threats to electronic information systems Connecticut Conn. Gen. Stat. 36a- 701b All rights reserved.

4 Also establishes specific guidelines governing theft of and damage to consumer credit, including a credit security freeze system by which consumers can attempt to prevent damage to their credit during the process of rectifying the breach. Notification may be written, electronic, telephonic or by substitute notice ( , posting on website, media notification) if the first three methods of notification exceed $250,000 or class of individuals exceeds Delaware Del. Code tit. 6, 12B- 101 et seq. Notification may be written, electronic, telephonic or by substitute notice ( , posting on website, media notification) if the first three methods of notification exceed $75,000 or class of individuals exceeds 100,000 people. Florida Fla. Stat Violators are liable for a civil penalty of up to $1,000 for each day the breach goes undisclosed for up to 30 days, and thereafter, $50,000 for each 30-day period or portion thereof for up to 180 days, not to exceed $500,000 total. Notification may be written, electronic or by substitute notice ( , posting on website, media Georgia Ga. Code , 911 Ga. Code. Ann Expressly recognizes the growing risk of identity theft to Georgia citizens due to ever more widespread collection of personal information All rights reserved.

5 150 Notification may be written, electronic or by substitute notice ( , posting on website, media Georgia has adopted anti-spyware law (AG, ISP s and telecommunications carriers can bring suits) Hawaii Haw. Rev. Stat. 487N- 2 Notification may be written, electronic, telephonic or by substitute notice ( , posting on website, media notification) if the first three methods of notification exceed $100,000 or class of individuals exceeds 200,000 people. Idaho Idaho Code to ; 2010 H.B. 566 Violators are subject to a fine of not more than $25,000 per breach of personal information. Notification may be written, electronic, telephonic or by substitute notice ( , posting on website, media notification) if the first three methods of notification exceed $25,000 or class of individuals exceeds 50,000 people. The Idaho Code was amended in 2010 to include the following provisions: o A governmental agency that becomes aware of a breach shall notify the Idaho Attorney General within 24 hours. o Government employees who violate the provisions of this statute are guilty of a misdemeanor and subject to a fine of not more than $2,000 or imprisonment for not more than 1 year. Illinois 815 ILCS 530/1 et seq. Notification may be written, electronic or by substitute notice ( , posting on website, media All rights reserved.

6 Indiana Ind. Code et seq.; et seq.; 2009 H.B Ind. Code Ann , Establishes general duty of care for database owners, the failure of which is considered a deceptive act actionable only by the attorney general and up to $5,000 per act. The attorney general may also bring an action for a civil penalty for the failure to disclose a breach. The penalty may be up to $150,000 per deceptive act. criminal investigation or jeopardize national security, or if delay is necessary to restore computer system integrity or discover breach scope. Notification may be written, electronic, telephonic, faxed or by substitute notice ( , media notification) if the first four methods of notification exceed $250,000 or class of individuals exceeds Indiana has adopted anti-spyware law (software providers, website owners, and trademark owners can bring civil action for injunctions and damages) Iowa Iowa Code 715C.1 (2008 S.F. 2308) Iowa Code Ann ,000 people. Iowa has adopted anti-spyware law (provides for criminal penalties, but no private right of action) Kansas Kan. Stat. 50-7a01; 50-7a All rights reserved.

7 notification) if the first two methods of notification exceed $100,000 or class of individuals exceeds 5,000 people. Kentucky None Louisiana La. Rev. Stat. 51:3071 et seq. La. Rev. Stat. Ann. 51:1441 to :1449 Louisiana has adopted anti-spyware law (criminal penalties, plus AG, software providers trademark owners, and ISP may bring action for injunctive relief and damages) Maine Me. Rev. Stat. tit et seq.; 2009 Public Law 161 Violators are subject to a fine of not more than $500 per violation, up to a maximum of $2,500 for each day the person is in violation. However, this provision does not apply to State Government, the University of Maine System, the Maine Community College System or Maine Maritime Academy. Notification may be delayed for no longer than 7 business days if law enforcement agency advises notification will impede notification) if the first two methods of notification exceed $5,000 or class of individuals exceeds 1,000 people. Maryland Md. Code, Com. Law et seq. Establishes general notification guidelines and duty of care for those who own and/or manage personal All rights reserved.

8 Massachusetts Mass. Gen. Laws 93H- 1 et seq. 201 CMR First time violators may be subject to $1,000 for the first violation, and up to $5,000 for each additional violation. criminal investigation or jeopardize homeland or national security, or to determine the breach scope, identify individuals affected or restore system integrity. website, media notification) if the first three methods of notification exceed $100,000 or class of individuals exceeds 175,000 people. Objectives of this regulation are to ensure the security and confidentiality of customer information in a manner fully consistent with industry standards; protect against anticipated threats or hazards to the security or integrity of such information; and protect against unauthorized access to or use of such information that may result in substantial harm or inconvenience to any consumer. Establishes a duty to protect and standards for protecting personal information. Sets minimum standards to be met in connection with the safeguarding of personal information contained in both paper and electronic records. Michigan Mich. Comp. Laws Mangers/owners of personal information are not required to disclose of a breach if determine[d] that the security breach has not or is not likely to cause substantial loss or injury to, or result in identity theft. Anyone who provides false notice of a security breach with the intent to defraud is subject to a misdemeanor charge punishable by imprisonment for up to 30 days and/or up to $250 for each violation. Violators of the section are subject to a civil fine up to $250 for each failure to provide notice. The total of civil penalties may not exceed $750,000. criminal investigation or jeopardize homeland or national security, or to determine the breach scope or restore system integrity. website, media notification) if the first three methods of notification exceed $250,000 or class of All rights reserved.

9 individuals exceeds Minnesota Minn. Stat. 325E.61, 325E.64 Statute also requires ISP s to maintain confidentiality of customers personally identifiable information. Mississippi 2010 H.B. 583 Allows companies to forego notification if they can prove after a reasonable investigation that the breach will not result in harm to affected individuals. criminal investigation or national security. website, media notification) if the first three methods of notification exceed $5,000 or class of individuals exceeds 5,000 people. Missouri Mo. Rev. Stat Medical information is expressly included and protected under this provision. criminal investigation or jeopardize national or homeland security. website, media notification) if the first three methods of notification exceed $100,000 or class of individuals exceeds 150,000 people All rights reserved.

10 Montana Mont. Code et seq.; ; 2009 H.B. 155, Chapter 163 Establishes general notification guidelines and duty of care for those who own and/or manage personal defines the crime Theft of identity. Violators who sought economic benefit as a purpose in committing this crime may be subject to a civil penalty for up to $10,000 and/or 10 years in state prison. website, media notification) if the first three methods of notification exceed $250,000 or class of individuals exceeds Nevada Nev. Rev. Stat. 603A.010 et seq. Establishes general notification guidelines and security requirements, including a requirement to destroy old records, for those who own and/or manage personal information to follow in the event or suspicion of a breach. Permits owners/managers of personal information to seek damages and restitution through civil action against the person or persons who unlawfully obtained or benefited from the personal information that was breached. Statute also requires ISP s to maintain confidentiality of all their customers information New Hampshire N.H. Rev. Stat C:19 to -C:21 N.H. Rev. Stat H:2 to :3 Any person injured by a violation under this statute may bring a civil action for actual damages. The statute permits that if the violation was willful or knowing, then the court may award as much as 3 times the amount of actual damages, but not less than 2 times the amount, as well as attorney s fees and costs of the suit All rights reserved.

11 criminal investigation or jeopardize homeland or national security. website, media notification) if the first three methods of notification exceed $5,000 or class of individuals exceeds 1,000 people. New Hampshire has adopted anti-spyware law (violations are Class A misdemeanors) New Jersey N.J. Stat. 56:8-163 New Mexico None New York N.Y. Gen. Bus. Law 899-aa Permits the attorney general to commence civil action against violators, with damages payable to those affected by the breach. When violated "knowingly or recklessly, the court may impose a civil penalty of the greater of five thousand dollars or up to ten dollars per instances of failed notification, provided the latter amount shall not exceed $150,000." website, media notification) if the first three methods of notification exceed $250,000 or class of individuals exceeds NOTE: New York has created the Office of Cyber Security and Critical Infrastructure Coordination, which focuses on threats to electronic information systems All rights reserved.

12 North Carolina N.C. Gen. Stat Establishes specific notification guidelines for those who own and/or manage personal criminal investigation, or jeopardize national or homeland security. website, media notification) if the first three methods of notification exceed $250,000 or class of individuals exceeds North Dakota N.D. Cent. Code et seq. Ohio Ohio Rev. Code , , , Establishes general notification guidelines and duty of care for those who own and/or manage personal Establishes a set of rights for those who are the subject of personal information held by a state or local agency including the right to know what information systems the person's information is maintained on. Violators may be subject to a civil penalty of up to $1,000 for each day of noncompliance with the provisions of the statute. After 60 days of "intentional or reckless" noncompliance, a civil penalty of up to $5,000 may be assessed, rising to $10,000 after 90 days of such behavior, with no expressed limit. criminal investigation, or jeopardize homeland or national security. website, media notification) if the first three methods of notification exceed $250,000 or class of individuals exceeds All rights reserved.

13 Oklahoma Okla. Stat ; 2008 H.B Oregon Oregon Rev. Stat. 646A.600 et seq. Also establishes specific guidelines governing theft of and damage to consumer credit, including a credit "security freeze" system by which consumers can attempt to prevent damage to their credit during the process of rectifying the breach. website, media notification) if the first three methods of notification exceed $250,000 or class of individuals exceeds 350,000 people. Pennsylvania 73 Pa. Stat a criminal or civil investigation. website, media notification) if the first three methods of notification exceed $100,000 or class of individuals exceeds 175,000 people. Rhode Island R.I. Gen. Laws et seq. Violators are subject to a civil penalty for up to $100 per occurrence up to $25,000 total All rights reserved.

14 notification) if the first two methods of notification exceed $25,000 or class of individuals exceeds 50,000 people. South Carolina S.C. Code Permits residents to commence civil actions for damages, with the amount dependent upon the level of mental culpability. Residents are also permitted to seek injunctive relief. website, media notification) if the first three methods of notification exceed $250,000 or class of individuals exceeds 500,000. South Dakota None Tennessee Tenn. Code , 2010 S.B proscribes identity theft, or engaging in any unfair, deceptive, misleading act or practice for the purpose of directly or indirectly engaging in identity theft Attorney General may bring action. Penalty: whichever of the following is greater: $10,000, $5,000 per day for each day that a person's identity has been assumed or 10 times the amount obtained or attempted to be obtained by the person using the identity theft Private right of action: damages (treble if willful/knowing), injunctive relief, attorneys fees and costs available Texas Tex. Bus. & Com. Code Tex. Bus. & Com. Code Ann , All rights reserved.

15 Texas has adopted anti-spyware law. Software providers, webpage or trademark owners, telecommunications carriers, cable operators and ISP s can bring private suits for injunctive relief, damages, attorneys fees and costs. AG can also recover civil penalties in the amount of $100,000 for each violation. Utah Utah Code , 102, 201, 202, 310 Permits the attorney general to pursue $2,500 in civil penalties for a violation concerning one consumer and no more than $100,000 for aggregated violations concerning more than one consumer. Grants the attorney general power to inspect and copy all records related to the business conducted by a person alleged to be in violation of this statute, and requires that person or business to cover the costs related to the inspection. Notification may be written, electronic, by telephone or by publishing notice of the breach in a newspaper. Vermont Vt. Stat. tit et seq. Also expressly establishes a duty to destroy documents containing personal information. Notification may be delayed if law enforcement agency advises notification impede a law enforcement investigation, or a national or homeland security investigation or jeopardize public safety or national or homeland security interests. website, media notification) if the first three methods of notification exceed $5,000 or class of individuals exceeds 5,000 people. Virginia Va. Code ; 2010 H.B Establishes specific notification guidelines for those who own and/or manage personal Permits the attorney general to impose a civil penalty up to "$150,000 per breach of the security of the system or a series of breaches of a similar nature that are discovered in a single All rights reserved.

16 investigation." Does not prohibit private rights of action for residents affected by a security breach H.B concerns data breaches involving medical information, with provisions analogous to those of Va. Code a civil or criminal investigation, or will jeopardize national or homeland security. website, media notification) if the first three methods of notification exceed $50,000 or class of individuals exceeds 100,000 people. Washington Wash. Rev. Code ; 2010 H.B Wash. Rev. Code Ann et seq. Permits individuals to commence civil actions against violators for damages and injunctions. Amended effective July 1, 2010 to include credit/debit card theft as security breach that requires notification and also set recommendations to "encourage" financial institutions to "reissue credit and debit cards to consumers when appropriate, and to permit financial institutions to recoup data breach costs associated with the reissuance from large businesses and card processors who are negligent in maintaining or transmitting card data." Washington has adopted anti-spyware law (AG, software provider or website owner may bring action for damages which may be trebled against repeat offenders) West Virginia W.V. Code 46A-2A-101 et seq. Grants exclusive enforcement power to the attorney general, however, "no civil penalty may be assessed in an action unless the court finds that the defendant has engaged in a course of repeated and willful violations of this article," and the penalty may not exceed $150,000 per breach of security. Breaches by financial institutions are exclusively enforceable by the financial institution s All rights reserved.

17 primary functional regulator. a criminal or civil investigation or homeland or national security. website, media notification) if the first three methods of notification exceed $50,000 or class of individuals exceeds 100,000 people. Wisconsin Wis. Stat et seq. Limits time required to give notification of breach to 45 days. an investigation or homeland security. Entity is not required to provide notice of personal information acquisition if it does not create material risk of identity theft or fraud, or was acquired in good faith and used for a lawful purpose. Notification may be by mail or other method the entity has previously employed to communicate with the subject of the personal information. If the mailing address cannot be reasonably obtained and the entity has not previously communicated, entity must provide notice by method calculated to provide actual notice. NOTE: Wisconsin has created the Office of Privacy Protection, focusing on issues of identity theft and consumer protection Wyoming Wyo. Stat , 502 Also establishes specific guidelines governing theft of and damage to consumer credit, including a credit "security freeze" system by which consumers can attempt to prevent damage to their credit during the process of rectifying the breach. Notification may be delayed if law enforcement agency advises notification will seriously impede Notification may be written, electronic or by substitute notice (posting to website, media notification) if the first two methods of notification exceed $10,000 for Wyoming-based persons/businesses and $250,000 for all other business operating, but not based in Wyoming, or if the affected class exceeds 10,000 for Wyoming-based persons/businesses and 500,000 for all other business operating, but not based in Wyoming All rights reserved.

18 All rights reserved.

STATE PENALTIES FOR FALSE REPORTING OF A CRIME

STATE PENALTIES FOR FALSE REPORTING OF A CRIME STATE PENALTIES FOR FALSE REPORTING OF A CRIME STATE OFFENSE PENALTY Alabama False reporting to law enforcement authorities (ALA. CODE 13A-10-9) No more than 1 year in the county jail or of hard labor

More information

Video Voyeurism Laws

Video Voyeurism Laws Video Voyeurism Laws Federal Law Video Voyeurism Prevention Act of 2004, 18 U.S.C.A. 1801. Jurisdiction limited to maritime and territorial jurisdiction, or federal property including but not limited to

More information

MEDICAL MALPRACTICE STATE STATUTORY

MEDICAL MALPRACTICE STATE STATUTORY MEDICAL MALPRACTICE STATE STATUTORY REFERENCE GUIDE 41 MEDICAL MALPRACTICE STATE STATUTORY REFERENCE GUIDE The following references to statutes relevant to medical malpractice cases are intended exclusively

More information

Mandatory Reporting of Child Abuse 6/2009 State Mandatory Reporters Language on Privilege Notes Alabama

Mandatory Reporting of Child Abuse 6/2009 State Mandatory Reporters Language on Privilege Notes Alabama Alabama any other person called upon to render aid to any child ALA. CODE 26-14-10 Alaska ALA. CODE 26-14-3(a) paid employees of domestic violence and sexual assault programs, and crisis intervention and

More information

False Claims Act Regulations by State

False Claims Act Regulations by State False Claims Act Regulations by State Under the False Claims Act, 31 U.S.C. 3729-3733, those who knowingly submit, or cause another person or entity to submit, false claims for payment of The purpose of

More information

DATA BREACH CHARTS (Current as of December 31, 2015)

DATA BREACH CHARTS (Current as of December 31, 2015) DATA BREACH CHARTS (Current as of December 31, 2015) The charts below provide summary information about data breach notification statutes across the country. California adopted the first data breach notification

More information

STATE BY STATE ANTI-INDEMNITY STATUTES. Sole or Partial Negligence. Alaska X Alaska Stat. 45.45.900. Except for hazardous substances.

STATE BY STATE ANTI-INDEMNITY STATUTES. Sole or Partial Negligence. Alaska X Alaska Stat. 45.45.900. Except for hazardous substances. State STATE BY STATE ANTI-INDEMNITY STATUTES Sole Negligence Sole or Partial Negligence Closes A.I. Loophole Comments Alabama Alaska Alaska Stat. 45.45.900. Except for hazardous substances. Arizona (Private

More information

Table A-7. State Medical Record Laws: Minimum Medical Record Retention Periods for Records Held by Medical Doctors and Hospitals*

Table A-7. State Medical Record Laws: Minimum Medical Record Retention Periods for Records Held by Medical Doctors and Hospitals* Summary of statutory or regulatory provision by entity. Alabama As long as may be necessary to treat the patient and for medical legal purposes. Ala. Admin. Code r. 545-X-4-.08 (2007). (1) 5 years. Ala.

More information

Table of Mortgage Broker (and Originator) Bond Laws by State Current as of July 1, 2010

Table of Mortgage Broker (and Originator) Bond Laws by State Current as of July 1, 2010 Alabama Ala. Code 5-25-5 Bond only required where licensee does not submit evidence of net worth. Loan originators may be covered by Alaska 25,000 Alaska Stat. 06.60.045 Arizona $10,000-$15,000 Ariz. Rev.

More information

This chart accompanies Protection From Creditors for Retirement Plan Assets, in the January 2014 issue of The Tax Adviser.

This chart accompanies Protection From Creditors for Retirement Plan Assets, in the January 2014 issue of The Tax Adviser. This chart accompanies Protection From Creditors for Retirement Plan Assets, in the January 2014 issue of The Tax Adviser. State-by-state analysis of IRAs as exempt property State State Statute IRA Alabama

More information

Massachusetts Adopts Strict Security Regulations Governing Personal Information LISA M. ROPPLE, KEVIN V. JONES, AND CHRISTINE M.

Massachusetts Adopts Strict Security Regulations Governing Personal Information LISA M. ROPPLE, KEVIN V. JONES, AND CHRISTINE M. Massachusetts Adopts Strict Security Regulations Governing Personal Information LISA M. ROPPLE, KEVIN V. JONES, AND CHRISTINE M. SANTARIGA Establishing itself as a leader in the data security area, Massachusetts

More information

ADULT PROTECTIVE SERVICES, INSTITUTIONAL ABUSE AND LONG TERM CARE OMBUDSMAN PROGRAM LAWS: CITATIONS, BY STATE

ADULT PROTECTIVE SERVICES, INSTITUTIONAL ABUSE AND LONG TERM CARE OMBUDSMAN PROGRAM LAWS: CITATIONS, BY STATE ADULT PROTECTIVE SERVICES, INSTITUTIONAL ABUSE AND LONG TERM CARE OMBUDSMAN PROGRAM LAWS: CITATIONS, BY STATE (Laws current as of 12/31/06) Prepared by Lori Stiegel and Ellen Klem of the American Bar Association

More information

50-State Analysis. School Attendance Age Limits. 700 Broadway, Suite 810 Denver, CO 80203-3442 303.299.3600 Fax: 303.296.8332

50-State Analysis. School Attendance Age Limits. 700 Broadway, Suite 810 Denver, CO 80203-3442 303.299.3600 Fax: 303.296.8332 0-State Analysis School Attendance Age Limits 700 Broadway, Suite 810 Denver, CO 80203-32 303.299.3600 Fax: 303.296.8332 Introduction School Attendance Age Limits By Marga Mikulecky April 2013 This 0-State

More information

COMPARATIVE NEGLIGENCE RULES & BI/PD STATUTES OF LIMITATIONS

COMPARATIVE NEGLIGENCE RULES & BI/PD STATUTES OF LIMITATIONS COMPARATIVE NEGLIGENCE RULES & BI/PD STATUTES OF LIMITATIONS This survey of state laws is a quick reference guide that should only be used as a starting point in researching the applicable law to a given

More information

State Income and Franchise Tax Laws that Conform to the REIT Modernization Act of 1999 (May 1, 2001). 1

State Income and Franchise Tax Laws that Conform to the REIT Modernization Act of 1999 (May 1, 2001). 1 State Income and Franchise Tax Laws that Conform to the REIT Modernization Act of 1999 (May 1, 2001). 1 1. Alabama does not adopt the Code on a regular basis but instead specifically incorporates only

More information

Model Regulation Service - January 1993 GUIDELINES ON GIFTS OF LIFE INSURANCE TO CHARITABLE INSTITUTIONS

Model Regulation Service - January 1993 GUIDELINES ON GIFTS OF LIFE INSURANCE TO CHARITABLE INSTITUTIONS Model Regulation Service - January 1993 These Guidelines have been prepared for use by state insurance department personnel who may be presented with questions or concerns regarding charitable gifts of

More information

Postsecondary. Tuition and Fees. Tuition-Setting Authority for Public Colleges and Universities. By Kyle Zinth and Matthew Smith October 2012

Postsecondary. Tuition and Fees. Tuition-Setting Authority for Public Colleges and Universities. By Kyle Zinth and Matthew Smith October 2012 Postsecondary Tuition and Fees Introduction Tuition-Setting Authority for Public Colleges and Universities By Kyle Zinth and Matthew Smith October 2012 Who sets tuition? Regardless of the state in question,

More information

Default Definitions of Person in State Statutes

Default Definitions of Person in State Statutes Default Definitions of Person in State Statutes State Alabama ALA. CODE 1-1-1 (2014) 1-1-1. Definitions. The following words, whenever they appear in this code, shall have the signification attached to

More information

Juvenile Life Without Parole (JLWOP) February 2010

Juvenile Life Without Parole (JLWOP) February 2010 Life Without Parole (JLWOP) February 2010 STATE LWOP Law JLWOP 1 ALABAMA YES 62 0 court Ala. Stat. 13A-6-2 ALASKA No LWOP parole always possible No -- -- - Max. age of 18 yrs. old Alaska Stat. 11.41.100

More information

Model Regulation Service April 2005 GUIDELINES ON CORPORATE OWNED LIFE INSURANCE

Model Regulation Service April 2005 GUIDELINES ON CORPORATE OWNED LIFE INSURANCE Model Regulation Service April 2005 Corporate Owned Life Insurance (COLI) is life insurance a corporate employer buys covering one or more employees. With COLI, the employer is generally the applicant,

More information

LEGAL BARRIERS FOR PEOPLE IN RECOVERY FROM DRUG AND ALCOHOL ADDICTION: LICENSES AND CREDENTIALS

LEGAL BARRIERS FOR PEOPLE IN RECOVERY FROM DRUG AND ALCOHOL ADDICTION: LICENSES AND CREDENTIALS LEGAL BARRIERS FOR PEOPLE IN RECOVERY FROM DRUG AND ALCOHOL ADDICTION: LICENSES AND CREDENTIALS There are many legal obstacles facing people who have overcome addiction and are in good recovery. This memorandum

More information

ADULT PROTECTION STATUTES DELETIONS AND ADDITIONS QUICK REFERENCE 2008 & 2009

ADULT PROTECTION STATUTES DELETIONS AND ADDITIONS QUICK REFERENCE 2008 & 2009 ADULT PROTECTION STATUTES DELETIONS AND ADDITIONS QUICK REFERENCE 2008 & 2009 STATE: DELETIONS (RED): ADDITIONS (GREEN): Alabama Ala. Code 38-9-7 Ala. Code 38-9-8 Arkansas Ark. Code Ann. 9-20-103 Ark.

More information

Model Regulation Service October 1993

Model Regulation Service October 1993 Table of Contents Section 1. Section 2. Section 3. Section 4. Section 5. Section 6. Section 7. Section 1. Model Regulation Service October 1993 PERMITTING SMOKER/NONSMOKER MORTALITY TABLES Authority Purpose

More information

LABORATORY CORPORATION OF AMERICA HOLDINGS BUSINESS PRACTICES MANUAL

LABORATORY CORPORATION OF AMERICA HOLDINGS BUSINESS PRACTICES MANUAL LABORATORY CORPORATION OF AMERICA HOLDINGS BUSINESS PRACTICES MANUAL Subject: Compliance With False Claims Acts Section: 27.0 Under Federal and State Laws Update: January 2015 Replaces: January 2013 Initiated

More information

Listing of Mortgage Broker Definitions

Listing of Mortgage Broker Definitions State Definition Citation Text ALABAMA MORTGAGE BROKERS LICENSING ACT Mortgage broker means any person who directly or indirectly solicits, Ala. Code 5 25 2(9) processes, places, or negotiates mortgage

More information

NONJUDICIAL TRANSFER OF TRUST SITUS CHART 1

NONJUDICIAL TRANSFER OF TRUST SITUS CHART 1 NONJUDICIAL TRANSFER OF TRUST SITUS CHART 1 This chart provides a survey of the State statutory provisions for all States and the District of Columbia relating to the nonjudicial transfer of the principal

More information

Security Breach Notification Chart

Security Breach Notification Chart Security Breach Notification Chart Perkins Coie's Privacy & Security practice maintains this comprehensive chart of state laws regarding security breach notification. The chart is for informational purposes

More information

Impacts of Sequestration on the States

Impacts of Sequestration on the States Impacts of Sequestration on the States Alabama Alabama will lose about $230,000 in Justice Assistance Grants that support law STOP Violence Against Women Program: Alabama could lose up to $102,000 in funds

More information

Privacy remains a top issue in today s faltering economy. On January

Privacy remains a top issue in today s faltering economy. On January Protecting Social Security Numbers: Federal Legislation in Sight STEVEN C. BENNETT, MAURICIO F. PAEZ, and Gwendolynne Chen Due to an alarming increase in identity theft crimes, a bipartisan bill, Protecting

More information

Chart Overview of Nurse Practitioner Scopes of Practice in the United States

Chart Overview of Nurse Practitioner Scopes of Practice in the United States Chart Overview of Nurse Practitioner Scopes of Practice in the United States Sharon Christian, JD, Catherine Dower, JD, Edward O Neil, PhD, MPA, FAAN Center for the Health Professions University of California,

More information

Workers Compensation State Guidelines & Availability

Workers Compensation State Guidelines & Availability ALABAMA Alabama State Specific Release Form Control\Release Forms_pdf\Alabama 1-2 Weeks ALASKA ARIZONA Arizona State Specific Release Form Control\Release Forms_pdf\Arizona 7-8 Weeks by mail By Mail ARKANSAS

More information

Public School Teacher Experience Distribution. Public School Teacher Experience Distribution

Public School Teacher Experience Distribution. Public School Teacher Experience Distribution Public School Teacher Experience Distribution Lower Quartile Median Upper Quartile Mode Alabama Percent of Teachers FY Public School Teacher Experience Distribution Lower Quartile Median Upper Quartile

More information

Chex Systems, Inc. does not currently charge a fee to place, lift or remove a freeze; however, we reserve the right to apply the following fees:

Chex Systems, Inc. does not currently charge a fee to place, lift or remove a freeze; however, we reserve the right to apply the following fees: Chex Systems, Inc. does not currently charge a fee to place, lift or remove a freeze; however, we reserve the right to apply the following fees: Security Freeze Table AA, AP and AE Military addresses*

More information

Three-Year Moving Averages by States % Home Internet Access

Three-Year Moving Averages by States % Home Internet Access Three-Year Moving Averages by States % Home Internet Access Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana

More information

STANDARD NONFORFEITURE LAW FOR INDIVIDUAL DEFERRED ANNUITIES

STANDARD NONFORFEITURE LAW FOR INDIVIDUAL DEFERRED ANNUITIES Model Regulation Service April 2003 Table of Contents Section 1. Section 2. Section 3. Section 4. Section 5. Section 6. Section 7. Section 8. Section 9. Section 10. Section 11. Section 12. Section 13.

More information

SURVEY OF THE CURRENT INSURANCE REGULATORY ENVIRONMENT FOR AFFINITY MARKETIG 1 A

SURVEY OF THE CURRENT INSURANCE REGULATORY ENVIRONMENT FOR AFFINITY MARKETIG 1 A SURVEY OF THE CURRENT INSURANCE REGULATORY ENVIRONMENT FOR AFFINITY MARKETIG ARRANGEMENTS (FORC Journal: Vol. 23 Edition 4 - Winter 2012) Kevin G. Fitzgerald, Esq. (414) 297-5841 N. Wesley Strickland (850)

More information

Comparison of US State and Federal Security Breach Notification Laws. Current through August 26, 2015

Comparison of US State and Federal Security Breach Notification Laws. Current through August 26, 2015 Comparison of US State and Federal Security Breach Notification Laws Current through August 26, 2015 Alaska...2 Arizona...6 Arkansas...9 California...11 Colorado...19 Connecticut...21 Delaware...26 District

More information

PUBLIC INSURANCE ADJUSTER FEE PROVISIONS 50 STATE SURVEY AS OF 6/29/07. LIKELY YES [Cal. Ins. Code 15027]

PUBLIC INSURANCE ADJUSTER FEE PROVISIONS 50 STATE SURVEY AS OF 6/29/07. LIKELY YES [Cal. Ins. Code 15027] Alabama Alaska Arizona Arkansas California [Cal. Ins. Code 15027] ] Colorado [Cal. Ins. Code 15027] Connecticut Delaware of the actual or final settlement of a loss [Conn. Ins. Code 38a-788-8] 2.5% of

More information

APPENDIX 4. A. State Courts. Alaska Superior Court. Alabama Court of Criminal Appeals Alabama Circuit Court. Arizona Superior Court

APPENDIX 4. A. State Courts. Alaska Superior Court. Alabama Court of Criminal Appeals Alabama Circuit Court. Arizona Superior Court APPENDIX 4 COURT ABBREVIATIONS This appendix contains abbreviations for federal courts. Abbreviations for state courts can be developed by consulting Appendix 1 and Rule 2 concerning abbreviations and

More information

COLLISION DAMAGE WAIVER MODEL ACT. This chapter shall be known and may be cited as the Collision Damage Waiver Model Act.

COLLISION DAMAGE WAIVER MODEL ACT. This chapter shall be known and may be cited as the Collision Damage Waiver Model Act. Model Regulation Service April 1996 COLLISION DAMAGE WAIVER MODEL ACT Table of Contents Section 1. Section 2. Section 3. Section 4. Section 5. Section 6. Section 7. Section 1. Title of Chapter Scope Purpose

More information

Penalties by State for Driving While Revoked, Suspended or Otherwise Unlicensed

Penalties by State for Driving While Revoked, Suspended or Otherwise Unlicensed Penalties by State for Driving While Revoked, Suspended or Otherwise Unlicensed State Citation Penalties Alabama 32-6-19 Misdemeanor.100-$500 fine, additional fine of $50; Possible jail sentence of not

More information

CYBER RISK SECURITY BREACH NOTIFICATION STATUTES

CYBER RISK SECURITY BREACH NOTIFICATION STATUTES CYBER RISK SECURITY BREACH STATUTES KEY General Personal Information: Individual s name + one of the following: Social Security number, driver s license number, state issued identification number, information

More information

MAINE (Augusta) Maryland (Annapolis) MICHIGAN (Lansing) MINNESOTA (St. Paul) MISSISSIPPI (Jackson) MISSOURI (Jefferson City) MONTANA (Helena)

MAINE (Augusta) Maryland (Annapolis) MICHIGAN (Lansing) MINNESOTA (St. Paul) MISSISSIPPI (Jackson) MISSOURI (Jefferson City) MONTANA (Helena) HAWAII () IDAHO () Illinois () MAINE () Maryland () MASSACHUSETTS () NEBRASKA () NEVADA (Carson ) NEW HAMPSHIRE () OHIO () OKLAHOMA ( ) OREGON () TEXAS () UTAH ( ) VERMONT () ALABAMA () COLORADO () INDIANA

More information

PRODUCER MILK MARKETED UNDER FEDERAL MILK ORDERS BY STATE OF ORIGIN, 2005

PRODUCER MILK MARKETED UNDER FEDERAL MILK ORDERS BY STATE OF ORIGIN, 2005 PRODUCER MILK MARKETED UNDER FEDERAL MILK ORDERS BY STATE OF ORIGIN, 2005 During 2005, milk processors regulated under the Federal milk order (FMO) system purchased about 115 billion pounds of milk from

More information

State Statute Emancipation Facts

State Statute Emancipation Facts ALABAMA Age Emancipation petition allowed: "minors over 18 years of age" 26-2A-20; Code 26-1-1 Age of Majority: 19 26-1-1 NOTE: An individual may have the disabilities of minority removed otherwise than

More information

MODEL REGULATION TO REQUIRE REPORTING OF STATISTICAL DATA BY PROPERTY AND CASUALTY INSURANCE COMPANIES

MODEL REGULATION TO REQUIRE REPORTING OF STATISTICAL DATA BY PROPERTY AND CASUALTY INSURANCE COMPANIES Model Regulation Service June 2004 MODEL REGULATION TO REQUIRE REPORTING OF STATISTICAL DATA Table of Contents Section 1. Section 2. Section 3. Section 4. Section 5. Section 6. Section 7. Section 8. Section

More information

Auto Theft & Carjacking State Statutes

Auto Theft & Carjacking State Statutes Auto Theft & Carjacking State Statutes Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware 13A-8-3: Provides that the theft of a motor vehicle, regardless of its value, constitutes

More information

Summary of Boat Trailer Brake Equipment Requirements

Summary of Boat Trailer Brake Equipment Requirements State /Federal Statute & Regulations Active Brake Federal Regulations 49 C.F.R. 393.42 (b)(4) 49 C.F.R. 393.48 49 C.F.R. 393.40(b)(5) Light Duty Trailers: Every commercial motor vehicle must have brakes

More information

D.C. Code Ann. Prohibits employment discrimination on the basis of tobacco use except where

D.C. Code Ann. Prohibits employment discrimination on the basis of tobacco use except where National Conference of State Legislatures Discrimination Laws Regarding Off-Duty Conduct Updated October 18, 2010 The issue of employees' rights to engage in certain off-duty activities and in the competing

More information

HEALTH CARE INTERPRETERS: ARE THEY MANDATORY REPORTERS OF CHILD ABUSE? 1

HEALTH CARE INTERPRETERS: ARE THEY MANDATORY REPORTERS OF CHILD ABUSE? 1 1444 I St NW, Suite 1105 Washington, DC 20005 (202) 289-7661 Fax (202) 289-7724 I. Introduction HEALTH CARE INTERPRETERS: ARE THEY MANDATORY REPORTERS OF CHILD ABUSE? 1 As the nation continues to diversify

More information

*Time is listed as approximate as an offender may be charged with other crimes which may add on to the sentence.

*Time is listed as approximate as an offender may be charged with other crimes which may add on to the sentence. Victims of drunk driving crashes are given a life sentence. In instances of vehicular homicide caused by drunk drivers, these offenders rarely receive a life sentence in prison. Laws vary greatly on the

More information

NON-RESIDENT INDEPENDENT, PUBLIC, AND COMPANY ADJUSTER LICENSING CHECKLIST

NON-RESIDENT INDEPENDENT, PUBLIC, AND COMPANY ADJUSTER LICENSING CHECKLIST NON-RESIDENT INDEPENDENT, PUBLIC, AND COMPANY ADJUSTER LICENSING CHECKLIST ** Utilize this list to determine whether or not a non-resident applicant may waive the Oklahoma examination or become licensed

More information

LAWS ON RECORDING CONVERSATIONS IN ALL 50 STATES

LAWS ON RECORDING CONVERSATIONS IN ALL 50 STATES MATTHIESEN, WICKERT & LEHRER, S.C. 1111 E. Sumner Street, P.O. Box 270670, Hartford, WI 53027 Phone: (262) 673-7850 Fax: (262) 673-3766 gwickert@mwl-law.com www.mwl-law.com LAWS ON RECORDING CONVERSATIONS

More information

MEMORANDUM. Express Consent Requirement for Delivery of Recorded Messages

MEMORANDUM. Express Consent Requirement for Delivery of Recorded Messages MEMORANDUM DATE: August 26, 2008 RE: Express Consent Requirement for Delivery of Recorded Messages The following sets forth the individual state and federal requirements regarding express consent for the

More information

Model Regulation Service January 2006 DISCLOSURE FOR SMALL FACE AMOUNT LIFE INSURANCE POLICIES MODEL ACT

Model Regulation Service January 2006 DISCLOSURE FOR SMALL FACE AMOUNT LIFE INSURANCE POLICIES MODEL ACT Table of Contents Section 1. Section 2. Section 3. Section 4. Section 5. Section 6. Section 1. Model Regulation Service January 2006 Purpose Definition Exemptions Disclosure Requirements Insurer Duties

More information

Englishinusa.com Positions in MSN under different search terms.

Englishinusa.com Positions in MSN under different search terms. Englishinusa.com Positions in MSN under different search terms. Search Term Position 1 Accent Reduction Programs in USA 1 2 American English for Business Students 1 3 American English for Graduate Students

More information

List of State DMV Websites

List of State DMV Websites List of State DMV Websites Alabama Alabama Department of Revenue Motor Vehicle Division http://www.ador.state.al.us/motorvehicle/index.html Alaska Alaska Department of Administration Division of Motor

More information

Last updated October 17, 2007

Last updated October 17, 2007 Pro Se Advisory for Immigrants with Multiple Drug Possession Convictions: Instructions for Challenging Whether You Have Been Convicted of an Aggravated Felony Last updated October 17, 2007 This advisory

More information

FELONY DUI SYNOPSIS. 46 states have felony DUI. Charts 1 and 2 detail the felony threshold for each of the 46 states analyzed.

FELONY DUI SYNOPSIS. 46 states have felony DUI. Charts 1 and 2 detail the felony threshold for each of the 46 states analyzed. FELONY DUI SYNOPSIS The information in the following charts was compiled by examining the felony DUI laws in all 50 sates and the District of Columbia. The analysis focuses on the felony DUI threshold,

More information

ACE American Insurance Company

ACE American Insurance Company Named Applicant: Date: ACE American Insurance Company ACE Advantage ACE American Insurance Company National Association of REALTORS Professional Liability Name of insurance company to which Application

More information

High Risk Health Pools and Plans by State

High Risk Health Pools and Plans by State High Risk Health Pools and Plans by State State Program Contact Alabama Alabama Health 1-866-833-3375 Insurance Plan 1-334-263-8311 http://www.alseib.org/healthinsurance/ahip/ Alaska Alaska Comprehensive

More information

Uniform Cost-Sharing Regulations

Uniform Cost-Sharing Regulations UniFirst.com Uniform Program Options Uniform Cost-Sharing Regulations Uniform cost-sharing through employee payroll deductions presents many benefits to both the uniform wearer and the company. The net

More information

Artisan Contractors Application

Artisan Contractors Application Agency Name: Address: Contact Name: Phone: Fax: Email: Artisan Contractors Application All questions must be answered in full. Application must be signed and dated by the applicant. Applicant s Name Agent

More information

Table 24.1 Closing Practices Wet Settlement or Good Funds

Table 24.1 Closing Practices Wet Settlement or Good Funds Table 24.1 Closing Practices Wet Settlement or Good Funds State Specifics of the Law Purchase Refinance Alabama No statutory reference to wet settlement or good funds. Alaska No statutory reference to

More information

STATE SECURITY DEPOSIT LAWS

STATE SECURITY DEPOSIT LAWS STATE SECURITY DEPOSIT LAWS August 14, 2013 IREM Legislative White Paper Table of Contents Common Provisions in Security Deposit Laws..2 Limits on the Size of Deposits...2 Return of Deposit...2 Deductions.

More information

National Compendium of Statutes of Repose for Products Liability and Real Estate Improvements

National Compendium of Statutes of Repose for Products Liability and Real Estate Improvements National Compendium of Statutes of Repose for Products Liability and Real Estate Improvements By Alan R. Levy Current as of September 1, 2010. Note: This chart is not an exhaustive list of the characteristics

More information

ACCOMMODATION OR MOTOR VEHICLE... 4 DELAWARE... 4 FLORIDA... 4 FLA. STAT. ANN. 316.6135 (2010). LEAVING CHILDREN UNATTENDED OR UNSUPERVISED IN MOTOR

ACCOMMODATION OR MOTOR VEHICLE... 4 DELAWARE... 4 FLORIDA... 4 FLA. STAT. ANN. 316.6135 (2010). LEAVING CHILDREN UNATTENDED OR UNSUPERVISED IN MOTOR Children Unattended in Cars Updated June 2010 ALABAMA... 2 ALASKA... 2 ARIZONA... 2 ARKANSAS... 2 CALIFORNIA... 3 CAL. VEH. CODE 15620 (2009). LEAVING A CHILD UNATTENDED INSIDE A MOTOR VEHICLE PROHIBITED....

More information

Licensure Resources by State

Licensure Resources by State Licensure Resources by State Alabama Alabama State Board of Social Work Examiners http://socialwork.alabama.gov/ Alaska Alaska Board of Social Work Examiners http://commerce.state.ak.us/dnn/cbpl/professionallicensing/socialworkexaminers.as

More information

RENEWAL APPLICATION TECHNOLOGY PROFESSIONAL LIABILITY APPLICATION

RENEWAL APPLICATION TECHNOLOGY PROFESSIONAL LIABILITY APPLICATION Kinsale Insurance Company P. O. Box 17008 Richmond, VA 23226 (804) 289-1300 www.kinsaleins.com RENEWAL APPLICATION TECHNOLOGY PROFESSIONAL LIABILITY APPLICATION APPLICANT S INFORMATION 1. Current Kinsale

More information

CRS Report for Congress

CRS Report for Congress Order Code RL32928 CRS Report for Congress Received through the CRS Web Breastfeeding and Jury Duty: State Laws, Court Rules, and Related Issues May 17, 2005 Douglas Reid Weimer Legislative Attorney American

More information

NATIONAL SURVEY OF CRIMINAL STATUTES OF LIMITATIONS FOR FELONY CHILD SEXUAL ABUSE CHARGES

NATIONAL SURVEY OF CRIMINAL STATUTES OF LIMITATIONS FOR FELONY CHILD SEXUAL ABUSE CHARGES NATIONAL SURVEY OF CRIMINAL STATUTES OF LIMITATIONS FOR FELONY CHILD SEXUAL ABUSE CHARGES This chart is intended for educational purposes only. NCVLI makes no warranty regarding the current status of the

More information

State Asset Protection Statutes for Life Insurance, Annuity and IRA exemptions.

State Asset Protection Statutes for Life Insurance, Annuity and IRA exemptions. State Asset Protection Statutes for Life Insurance, Annuity and IRA exemptions. Alabama State Life Insurance Annuity IRA Proceeds and avails of life insurance policies are Benefits, rights, privileges,

More information

State-Specific Annuity Suitability Requirements

State-Specific Annuity Suitability Requirements Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Effective 10/16/11: Producers holding a life line of authority on or before 10/16/11 who sell or wish to sell

More information

Legal Education Conference 2015. Cyber/Data Breach Reference Guide: Best Practices, State Surveys, HIPAA Enforcement

Legal Education Conference 2015. Cyber/Data Breach Reference Guide: Best Practices, State Surveys, HIPAA Enforcement Legal Education Conference 2015 Cyber/Data Breach Reference Guide: Best Practices, State Surveys, HIPAA Enforcement DATA BREACH: BEST PRACTICES ASSESS What type of sensitive data do you have? Financial?

More information

PROPERTY INSURANCE DECLINATION, TERMINATION AND DISCLOSURE MODEL ACT

PROPERTY INSURANCE DECLINATION, TERMINATION AND DISCLOSURE MODEL ACT Model Regulation Service April 1997 PROPERTY INSURANCE DECLINATION, TERMINATION AND DISCLOSURE MODEL ACT Table of Contents Section 1. Section 2. Section 3. Section 4. Section 5. Section 6. Section 7. Section

More information

VCF Program Statistics (Represents activity through the end of the day on June 30, 2015)

VCF Program Statistics (Represents activity through the end of the day on June 30, 2015) VCF Program Statistics (Represents activity through the end of the day on June 30, 2015) As of June 30, 2015, the VCF has made 12,712 eligibility decisions, finding 11,770 claimants eligible for compensation.

More information

A-79. Appendix A Overview and Detailed Tables

A-79. Appendix A Overview and Detailed Tables Table A-8a. Overview: Laws Expressly Granting Minors the Right to Consent Disclosure of Related Information to Parents* Sexually Transmitted Disease and HIV/AIDS** Treatment Given or Needed Alabama 14

More information

A GUIDE TO VOTING LEAVE LAWS BY STATE

A GUIDE TO VOTING LEAVE LAWS BY STATE State Alabama Public and private s Time necessary to vote, not exceeding one hour, unless employee has two hours before work or after work available to vote. Alaska All s Not specified, but must allow

More information

Prime Aviation Opinion Aviation Insurance Minimum Requirements (By State, from West Coast to East Coast)

Prime Aviation Opinion Aviation Insurance Minimum Requirements (By State, from West Coast to East Coast) Prime Aviation Opinion Aviation Insurance Minimum Requirements (By State, from West Coast to East Coast) The following chart shows the statutory and regulatory minimum liability insurance requirements

More information

BUSINESS DEVELOPMENT OUTCOMES

BUSINESS DEVELOPMENT OUTCOMES BUSINESS DEVELOPMENT OUTCOMES Small Business Ownership Description Total number of employer firms and self-employment in the state per 100 people in the labor force, 2003. Explanation Business ownership

More information

State Pest Control/Pesticide Application Laws & Regulations. As Compiled by NPMA, as of December 2011

State Pest Control/Pesticide Application Laws & Regulations. As Compiled by NPMA, as of December 2011 State Pest Control/Pesticide Application Laws & As Compiled by NPMA, as of December 2011 Alabama http://alabamaadministrativecode.state.al.us/docs/agr/mcword10agr9.pdf Alabama Pest Control Alaska http://dec.alaska.gov/commish/regulations/pdfs/18%20aac%2090.pdf

More information

NOTICE OF PROTECTION PROVIDED BY [STATE] LIFE AND HEALTH INSURANCE GUARANTY ASSOCIATION

NOTICE OF PROTECTION PROVIDED BY [STATE] LIFE AND HEALTH INSURANCE GUARANTY ASSOCIATION NOTICE OF PROTECTION PROVIDED BY This notice provides a brief summary of the [STATE] Life and Health Insurance Guaranty Association (the Association) and the protection it provides for policyholders. This

More information

INVOICE FOR INDEPENDENT HEALTH CARE PROVIDERS

INVOICE FOR INDEPENDENT HEALTH CARE PROVIDERS Attn: LTCI Claims P.O. Box 40007 Lynchburg, VA 24506-9939 Tel: 800 876.4582 Fax: 888 557.5526 Add this page to your Favorites list for the next time you need Invoices! Use this form to record the time

More information

January 2007. An Overview of U.S. Security Breach Statutes

January 2007. An Overview of U.S. Security Breach Statutes January 2007 An Overview of U.S. Security Breach Statutes An Overview of U.S. Security Breach Statutes Jeffrey M. Rawitz and Ryan E. Brown 1 This Jones Day White Paper summarizes what is generally entailed

More information

Model State Clean Credit and Identity Theft Protection Act. Consumers Union of U.S., Inc and the state Public Interest Research Groups

Model State Clean Credit and Identity Theft Protection Act. Consumers Union of U.S., Inc and the state Public Interest Research Groups Model State Clean Credit and Identity Theft Protection Act ACT: MODEL STATE LAW Consumers Union of U.S., Inc and the state Public Interest Research Groups Updated January 2011 For more information contact

More information

50 STATE DEDUCTIBLE REIMBURSEMENT CHART July 2007

50 STATE DEDUCTIBLE REIMBURSEMENT CHART July 2007 MATTHIESEN, WICKERT & LEHRER, S.C. 1111 E. Sumner Street P.O. Box 270670 Hartford, WI 53027 (262) 673-7850 (262) 673-3766 (Fax) www.mwl-law.com 50 STATE DEDUCTIBLE REIMBURSEMENT CHART July 2007 STATE ALABAMA

More information

For use with policies issued by Provident Life and Accident Insurance Company

For use with policies issued by Provident Life and Accident Insurance Company For use with policies issued by Please mail or fax this form to: Chattanooga Benefits Center P.O. Box 12030 Chattanooga, TN 37401-3030 Toll free: 800.633.7479 Fax: 423.755.3009 or 800.494.4516 This form

More information

State Tax Information

State Tax Information State Tax Information The information contained in this document is not intended or written as specific legal or tax advice and may not be relied on for purposes of avoiding any state tax penalties. Neither

More information

Hole-In-One Application

Hole-In-One Application > Hole-In-One Application All questions must be answered in full. Application must be signed and dated by the applicant.

More information

Recording Telephone Calls with Parties in Different Jurisdictions

Recording Telephone Calls with Parties in Different Jurisdictions United States Telephone Recording Laws Legal Aspects of Recording Telephone Conversations: A Practical Guide The federal Omnibus Crime Control and Safe Streets Act of 1968, 18 U.S.C. Sec. 2510 et seq.,

More information

We do require the name and mailing address of each person forming the LLC.

We do require the name and mailing address of each person forming the LLC. Topic: LLC Managers/Members Question by: Jeff Harvey : Idaho Date: March 7, 2012 Manitoba Corporations Canada Alabama Alaska Arizona Arkansas California Colorado Arizona requires that member-managed LLCs

More information

GUARANTEE TRUST LIFE INSURANCE COMPANY Credit Claim Service Center P.O. Box 1145 Glenview, IL 60025 Phone: 800-592-0629 Fax: 847-460-2962

GUARANTEE TRUST LIFE INSURANCE COMPANY Credit Claim Service Center P.O. Box 1145 Glenview, IL 60025 Phone: 800-592-0629 Fax: 847-460-2962 Initial Credit Disability Claim Form GUARANTEE TRUST LIFE INSURANCE COMPANY Credit Claim Service Center P.O. Box 1145 Glenview, IL 60025 Phone: 800-592-0629 Fax: 847-460-2962 Office Hours: Monday thru

More information

Net-Temps Job Distribution Network

Net-Temps Job Distribution Network Net-Temps Job Distribution Network The Net-Temps Job Distribution Network is a group of 25,000 employment-related websites with a local, regional, national, industry and niche focus. Net-Temps customers'

More information

Alarm or Security System Design, Installation, Service or Repair Application

Alarm or Security System Design, Installation, Service or Repair Application Alarm or Security System Design, Installation, Service or Repair Application All questions must be answered in full. Application must be signed and dated by the applicant. Applicant s Name Agent Applicant

More information

NAIC ANNUITY TRAINING Regulations By State

NAIC ANNUITY TRAINING Regulations By State Select a state below to display the current regulation and requirements, or continue to scroll down. Light grey text signifies states that have not adopted an annuity training program. Alabama Illinois

More information

Delivery of Recording Laws: Are Established Business Relationship Calls Exempt from Federal and State Bans 1?

Delivery of Recording Laws: Are Established Business Relationship Calls Exempt from Federal and State Bans 1? Delivery of Recording Laws: Are Established Business Relationship Calls Exempt from Federal and State Bans 1? Jurisdiction Federal-TCPA (47 USC 227; 47 CFR 64.1200) Federal-TSR (effective until Sept. 1,

More information

STATE INCOME TAX WITHHOLDING INFORMATION DOCUMENT

STATE INCOME TAX WITHHOLDING INFORMATION DOCUMENT STATE INCOME TAX WITHHOLDING INFORMATION DOCUMENT Zurich American Life Insurance Company (ZALICO) Administrative Offices: PO BOX 19097 Greenville, SC 29602-9097 800/449-0523 This document is intended to

More information

LIFE AND HEALTH INSURANCE POLICY LANGUAGE SIMPLIFICATION MODEL ACT

LIFE AND HEALTH INSURANCE POLICY LANGUAGE SIMPLIFICATION MODEL ACT Model Regulation Service April 1995 LIFE AND HEALTH INSURANCE POLICY LANGUAGE SIMPLIFICATION MODEL ACT Table of Contents Section 1. Section 2. Section 3. Section 4. Section 5. Section 6. Section 7. Section

More information

WHAT STATES IS IT ILLEGAL TO DO BPO S?

WHAT STATES IS IT ILLEGAL TO DO BPO S? WHAT STATES IS IT ILLEGAL TO DO BPO S? Copyright Protected by BPO University Nicole Ocean 2010 My name is Nicole Ocean, founder and administrator of the BPO University. I am a certified real estate instructor

More information

Product Liability Application All questions must be answered in full. Application must be signed and dated by the applicant.

Product Liability Application All questions must be answered in full. Application must be signed and dated by the applicant. Agency Name: Address: Contact Name: Phone: Fax: Email: Product Liability Application All questions must be answered in full. Application must be signed and dated by the applicant. Applicant s Name Agent

More information