DEPARTMENT OF INSURANCE

Bulletins and Advisories

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Bulletins

2025

Federal Government Shutdown - Grace Period for Federal Employees

2025-04

11/05/2025

Enforcement of Senate Bill 188 (2024 Regular Session)

2025-03

06/30/2025

Insurance Legislation enacted by the 2025 General Assembly

2025-02

05/28/2025

2025-2026 LGPT Bulletin

2025-01

04/22/2025

2024

New Premium Rates for the Mine Subsidence Program

2024-07

09/06/2024

2024 DOI Legislative Bulletin

2024-06

08/09/2024

New Premium Rates for The Mine Subsidence Insurance Program

2024-05

07/17/2024

Error Rate for MC Exams

2024-04

07/15/2024

2024-2025 Kentucky Local Government Premium Tax Updates to Forms and Documents

2024-03

04/18/2024

The Use of Artificial Intelligence Systems in the Business of Insurance

2024-02

04/16/2024

Termination of Local Government Premium Taxes for Vicco, KY

2024-01

04/01/2024

2023

Electronic Annual Statement Filing Requirement

2023-05

11/21/2023

Public Adjuster Interim Filings 2023-04

2023-04

06/28/2023

2023 DOI Legislative Bulletin

2023-03

06/01/2023

LGPT Bulletin 2023-2024

2023-02

04/14/2023

Error Rate for MC Exams

2023-01

02/27/2023

2022

LGPT Bulletin Reconciliation Reporting

2022-003

10/24/2022

2022-001 New Legislation Bulletin for the 2022 Regular Session General Assembly

2022-002

06/15/2022

LGPT Bulletin 2022-2023

2022-001

10/27/2022

2021

LGPT Bulletin 2021-001 - 2021-2022 Kentucky Local Government Premium Tax Updates

Bulletin 2021-001

04/09/2021

2021-002 New Legislation Bulletin

21-002

06/14/2021

No Surprises Act - Consumer Bulletin 12-2021

12-2021

12/01/2021

2020

Payment of Quarterly Surplus Lines Premium Taxes

20-05

08/06/2020

Insurance Legislation Adopted by the 2020 Kentucky General Assembly (Regular Session)

20-04

07/01/2020

2020-2021 Kentucky Local Government Premium Tax Updates to Forms and Documents

20-03

04/13/2020

Complying with Regulatory Requirements During the COVID-19 Public Health Emergency

20-02

04/07/2020

Reporting Of Suspected Fraudulent Insurance Acts

20-01

03/25/2020

2019

Insurance Legislation Adopted By The 2019 Kentucky General Assembly (Regular Session)

19-03

06/27/2019

2019-2020 Kentucky Local Government Premium Tax Bulletin

19-02

04/08/2019

Policy Provisions Containing Arbitration Agreements

19-01

01/25/2019

2018

Requirements for Marketing and Sale of Short-Term, Limited Duration Insurance Policies Sold in Kentucky

18-02

10/18/2018

2018-2019 Kentucky Local Government Premium Tax Updates to Forms and Documents

18-01

04/09/2018

2017

Synthetic Guaranteed Investment Contracts

17-04

10/11/2017

Insurance Legislation Adopted by the 2017 Kentucky General Assembly (Regular Session)

17-03

07/18/2017

Reporting Of Suspected Fraudulent Insurance Acts

17-02

07/14/2017

Local Government Premium Tax Schedule Bulletin (2017-2018)

17-01

04/07/2017

2016

Principle-based Reserving

16-03

11/30/2016

Insurance Legislation Adopted By The 2016 Kentucky General Assembly (Regular Session)

16-02

07/05/2016

Local Government Premium Tax Schedule Bulletin (2016-2017)

16-01

04/07/2016

2015

Insurance Legislation Adopted by the 2015 Kentucky General Assembly (Regular Session)

15-03

05/20/2015

Local Government Premium Tax Schedule Bulletin (2015-2016)

15-02

04/07/2015

Filing Procedures for Compliance With the Provisions of the Terrorism Risk Insurance Program Reauthorization Act of 2015

15-01

02/03/2015

2014

Local Government Premium Taxes Amendments To 2014-15 Tax Schedule And Tax Payees And Addresses

14-03

12/05/2014

Insurance Legislation Adopted by the 2014 Kentucky General Assembly (Regular Session)

14-02

05/27/2014

Local Government Premium Tax Schedule 2014-2015 - Revised

14-01

05/21/2014

2013

Negotiation Of Reduction Or Modification Of Providers' Charges For Kentucky No-Fault Benefits (Revised)

13-04

10/04/2013

Insurance Legislation Adopted by the 2013 Kentucky General Assembly (Regular Session)

13-03

05/31/2013

Actuarial Guideline 38 - Requirements for Filings

13-02

02/18/2013

Local Government Premium Tax Schedule Bulletin (2013-2014)

13-01

04/05/2013

2012

Maximum Valuation/Nonforfeiture Interest Rates for 2013 Life Insurance Issues

12-03

09/11/2012

Insurance Legislation Adopted by the 2012 Kentucky General Assembly (Regular Session)

12-02

06/01/2012

Local Government Premium Tax Schedule Bulletin (2012-2013)

12-01

04/05/2012

2011

Claims and Internal Appeals Preemption Issues

11-08

11/18/2011

Local Government Premium Tax Schedule Bulletin (2011-2012) (Revised)

11-07

09/22/2011

Gramm Leach Bliley Act Privacy Notices

11-06

10/11/2011

Policy Form Certification Privilege Program and Reference Filing Procedure

11-05

09/19/2011

External Review Preemption Issues

11-04

05/10/2011

Insurance Legislation Adopted by the 2011 Kentucky General Assembly (Regular Session)

11-03

04/29/2011

NAIC Accreditation Requirements for Risk Retention Group Captives

11-02

03/22/2011

Local Government Premium Tax Schedule Bulletin (2011-2012)

11-01

04/06/2011

2010

Local Government Premium Taxes 2010 Legislative Changes

10-06

06/15/2010

Insurance Legislation Adopted By The 2010 Kentucky General Assembly (Regular Session)

10-05

05/10/2010

Local Government Premium Tax Schedule Bulletin (2010-2011)

10-04

04/06/2010

Warren County – Removal From Participation In The Kentucky Mine Subsidence Insurance Fund

10-03

02/11/2010

Premium Surcharge Rate Adjustment

10-02

02/11/2010

Rescinded

10-01a

02/11/2010

2009

Fiscal Courts Approve Mine Subsidence Insurance For Letcher, Owsley, And Warren Counties

09-04

04/01/2009

Local Government Premium Tax Electronic Annual Reconciliation

09-03

03/01/2009

Insurance Legislation Adopted By The 2009 Kentucky General Assembly (Regular Session)

09-02

02/01/2009

2009-2010 Kentucky Local Government Premium Tax Schedule And Listing Of Payees And Addresses

09-01

01/01/2009

2008

Fiscal Court Approves Mine Subsidence Insurance For Laurel County, Kentucky

08-03

03/01/2008

Insurance Legislation Adopted By The 2008 Kentucky General Assembly (Regular Session)

08-02b

02/01/2008

2008-2009 Kentucky Local Government Premium Tax Schedule And Listing Of Payees And Addresses

08-01

01/01/2008

2007

Insurance Legislation Adopted By The 2007 Kentucky General Assembly (Regular Session)

07-02

02/01/2007

2007-2008 Kentucky Local Government Premium Tax Schedule And Listing Of Payees And Addresses

07-01

01/01/2007

2006

Insurance Legislation Adopted By The 2006 Kentucky General Assembly (Regular Session)

06-03

03/01/2006

New Premium Rates For The Mine Subsidence Insurance Program

06-02

02/01/2006

Local Government Premium Tax Schedule Bulletin (2006-2007)

06-01

01/01/2006

2005

Medicare Part D

05-03

03/01/2005

Insurance Legislation Adopted By The 2005 Kentucky General Assembly (Regular Session)

05-02

02/01/2005

Local Government Premium Tax Schedule Bulletin (2005-2006)

05-01

01/01/2005

2004

Insurance Legislation Adopted By The 2004 Kentucky General Assembly (Regular Session)

04-02

02/01/2004

Local Government Premium Tax Schedule Bulletin (2004-2005)

04-01

01/01/2004

2003

Insurance Legislation Adopted By The 2003 Kentucky General Assembly (Regular Session)

03-02

02/01/2003

Local Government Premium Tax Schedule Bulletin (2003-2004)

03-01

01/01/2003

2002

Insurance Legislation Adopted By The 2002 Kentucky General Assembly (Regular Session)

02-02

02/01/2002

2001

Insurance Legislation Adopted By The 2001 Kentucky General Assembly (Regular Session)

01-04

04/01/2001

Property & Casualty Form, Rate, And Rule Filings And Commerical Deregulation No-Fault Rejection Form Revision

01-03

03/01/2001

No Bulletin Issued

01-02

No-Fault Rejection Form Revision Bulletin

01-01

01/01/2001

2000

Insurance Legislation Adopted By The 2000 Kentucky General Assembly (Regular Session)

00-02

02/01/2000

2000-2001 Kentucky Local Government Premium Tax Schedule And Listing Of Payees And Addresses

00-01

01/01/2000

1999

The Use Of Preferred Provider Organizations And Other Unapproved Managed Care Health Systems In Workers' Compensation Claims

99-03

03/01/1999

Rate And Rule Filings Consumer Information - Personal Line Rate Comparisons

99-02

02/01/1999

1999-2000 Kentucky Local Governmen Premium Tax Schedule And Listing Of Payees And Addresses

99-01

01/01/1999

1998

New Premium Rates For The Mine Subsidence Program

98-06

06/01/1998

Insurance Legislation Adopted By The 1998 Ky General Assembly (Regular Session)

98-05

05/01/1998

1998/2000 Consumer Guide To Long Term Care Insurance

98-04

04/01/1998

Bulletin Was Converted Into A Regulation

98-03

Personal Lines Property Insurance For Earthquake Damages

98-02

02/01/1998

1999-2000 Kentucky Local Governmen Premium Tax Schedule And Listing Of Payees And Addresses

98-01

01/01/1998

1997

Assumed Names For Insurers

97-06

06/01/1997

Acting As An Agent (November 1997)

97-05

05/01/1997

Form, Rate And Rule Filings

97-04

04/01/1997

1997-1998 Kentucky Local Government Premium Tax Schedule And Listing Of Payees And Addresses

97-03

03/01/1997

Workers' Compensation Form, Rate And Rule Filings (February 1997)

97-02

02/01/1997

Reporting Of Cancellation Of Nonrenewal Of Automobile Insurance To The Department Of Transportation

97-01

01/01/1997

1996

Experience Modification Factor For Workers Compensation (November 1996)

96-08

08/01/1996

New Legislation- Cancellation Of Automobile Insurance Binders (October 1996)

96-07b

07/01/1996

Changes In Non-Owned Automobile Coverage For Kentucky State Employees (July 1996)

96-07a

07/01/1996

1996/97 Consumer Guide To Long Term Care Insurance (May 1996)

96-04

04/01/1996

Implementation Of SB 343-An Ct Relating To Health Care; Part 2 Health Insurance Reforms

96-03

03/01/1996

Insurance Legislation Adopted By The 1996 Kentucky General Assembly (Regular Session)

96-02

02/01/1996

1996-1997 Kentucky Local Government Premium Tax Schedule And Listing Of Payees And Addresses

96-01

01/01/1996

Advisories

2024

AO 2024-01

AO 2024-01 Non-Renewal Notice

05/23/2024

2023

AO 2023-08

AO 2023-08 Matching Determinations

10/17/2023

AO 2023-07

AO 2023-07- PUBLIC ADJUSTER CONTRACTS

08/31/2023

AO 2023-06

AO 2023-06- MEDICARE SUPPLEMENT PRODUCTS

06/15/2023

AO 2023-05

AO 2023-05 END OF THE FEDERAL MEDICAID EXPANSION

03/31/2023

AO 2023-04

AO 2023-04 UR Medical Directors

02/17/2023

AO 2023-03

AO 2023-03 Term & Universal Life Reserves Financing

02/17/2023

AO 2023-02

AO 2023-02 Management Report of Internal Control

01/03/2023

AO 2023-01 - WITHDRAWN

AO 2023-01 Data Security

2022

AO 2022-0002

AO 2022-0002 No Fault Rejection

05/27/2022

AO 2022-0001

AO 2022-0001 Best Interest Interpretation

01/11/2022

2021

AO 2021-07

AO 2021-07 Tornado Relief & Premium Finance Companies

01/03/2022

AO 2021-0006

AO 2021-0006 Tornado Relief

01/11/2022

AO 2021-0004 COVID19 Testing

AO 21-04

08/27/2021

AO 2021-0005 UR Training

AO 2021-0005

12/02/2021

AO 2021-0003 Implementation of 21 SB 44

AO 2021-0003

08/25/2021

AO 2021-0002 PROOF OF MOTOR VEHICLE COVERAGE

21-02

06/25/2021

AO 2021-0001 COLORECTAL CANCER SCREENINGS

21-01

05/27/2021

2020

Advisory Opinion 2020-07 Advisory Opinion 2020-07 Application of 806 KAR 17:570, Section 20s - Comparison Statement Requirement to Medicare Advantage Plans - 11/23/2020

20-07

11/23/2020

Advisory Opinion 2020-006 Internal and External Review Process for Self-funded Non-ERISA Plans

20-06

10/13/2020

Advisory Opinion 2020-005 Newborn Coverage

20-05

06/17/2020

Advisory Opinion 2020-004 - Stop Loss Insurance Policies

20-04

04/23/2020

Criteria for Rate Reduction, Loss Control and Loss Mitigation Value-added Products and Services to Qualify as an Exception to Rebating and Illegal Inducements when Offered or Provided

20-03

04/02/2020

Alternative Compensation Unders KRS 304.11-042

20-02

03/09/2020

Depreciation of Labor Expense in the Adjustment of Property Claims

20-01

02/07/2020

2019

Update on Rate Filing Requirements for Non-Health Benefit Plan 806 KAR 17:070

19-01

10/03/2019

2016

Alternative Compensation under KRS 304.11-042

16-02

03/03/2016

Agent Commission Payments

16-01

01/06/2016

2015

Colorectal Cancer Screenings

15-03

05/12/2015

Attempt At Forced Settlement Of Basic Reparation Benefits (Revised)

15-02

03/31/2015

External Review Process for Self-Funded Non-ERISA Plans

15-01

01/21/2015

2014

Hospice Benefits in Health Benefit Plans

14-04

10/30/2014

Guaranteed Issue Of Medicare Supplement Plans For Applicants Not Eligible For Medicare By Reason Of Being Under Age 65 (Revised)

14-03

04/21/2014

Interpretation of KRS 304.12-030(2) Regarding Replacement Insurance

14-02

01/29/2014

Interpretation Of Krs 304.12-035 Regarding Retained Assets Accounts

14-01

01/29/2014

2013

Motor Vehicle Service Contracts

13-03

03/06/2013

Interpretation of KRS 304.15-717(1)(p)(3) Regarding Life Settlements

13-02

03/01/2013

Electronic Delivery Of Notifications

13-01

02/19/2013

2012

Co-Pay Parity

12-05

07/26/2012

Coverage For Treatment of Autism Spectrum Disorders by Supervisees

12-04

05/09/2012

Statewide Enforcement of Mandatory Vehicle Insurance Based on the Monthly Full Book of Business Reporting by Insurers Pursuant to KRS 304.39-087

12-03

05/04/2012

Catastrophe Guidelines

12-02

03/09/2012

Insurer Collection of Commission Payments

12-01

01/10/2012

2011

Insufficient Or Invalid Addresses On File With The Department

11-06

10/03/2011

Opinion Not Issued

11-05

12/30/2011

Non-Admitted Insurance on Multi-State Risks - HB 167

11-04

06/03/2011

Local Government Premium Tax Compliance Related to Risk Retention Groups, Captive Insurers, and Reinsurance Companies

11-03

05/25/2011

Certificates of Insurance - Restatement of Advisory Opinion 2004-03

11-02

04/21/2011

All Health Insurers Authorized to Transact Individual Health Insurance Business in Kentucky

11-01

03/07/2011

2010

Retained Asset Accounts - WITHDRAWN

10-06

08/13/2010

Examinations for Crop Adjusters

10-05

06/28/2010

Patient Protection and Affordable Care Act of 2010 (Advisory Opinion and Order)

10-04

05/26/2010

Extension of Benefits Provision

10-03

05/11/2010

Guidance Regarding Use Of The NAIC/NIPR Attachments Warehouse For The Electronic Filing Of Insurance Licensing Documents

10-02

02/11/2010

Discretionary Clauses

10-01

03/09/2010

2009

Use Of Airbag Reinstallation Costs In Determining If A Salvage Title Is Required

09-01

01/01/2009

2008

New Rules For The Marketing And Sales Of Medicare Private Plans During Open Enrollment

08-06

06/01/2008

Discretionary Clauses (NOTE: This advisory has been replaced by 2010-01)

08-05

05/01/2008

Form, Rate, And Supplementary Rating Information (Rule) Filings

08-04

04/01/2008

Military Sales Practices: Reporting Of Disciplinary Actions

08-03

03/01/2008

Terrorism Risk Insurance Program Reauthorization Act Of 2007

08-02

02/01/2008

2007

Advisory Opinion - Crop Adjuster License

07-02

02/01/2007

All Insurance Companies And Surplus Lines Brokers Subject To Kentucky Local Government Premium Taxes

07-01a

01/01/2007

Advisory Opinion 07-01

07-01

01/01/2007

2006

Electronic Signatures

06-09

09/01/2006

Consultants Dually Licensed As Agents

06-07

07/01/2006

FEMA Flood Insurance Training Requirements

06-05

05/01/2006

Consultants Dually Licensed As Agents

06-04

04/01/2006

Guaranteed Issue And Pre-Existing Conditions Under KRS 304.17a-200(8)

06-03

03/01/2006

Premium Rate Filings

06-02

02/01/2006

Terrorism Risk Insurance Extension Act Of 2005

06-01

01/01/2006

2005

Newborn Coverage

05-07

07/01/2005

Exclusionary Riders

05-06

06/01/2005

License Tax On Insurance Companies

05-05

05/05/2005

Advisory Opinion 2005-04; Premium Finance Company Referral Fees To Agents

05-04

04/01/2005

Civil And Criminal Charges And Convictions

05-01

01/01/2005

2004

Acting As An Agent; Termination Of Appointments

04-07

07/01/2004

Application Of Individual And Group Market Principles To Association Coverage

04-06

06/01/2004

Rebating And Illegal Inducements

04-05

05/01/2004

Medicare Supplement

04-04

04/01/2004

Certificates Of Insurance

04-03

03/01/2004

04-02a

02/01/2004

04-02

02/01/2004

Insurer'S Obligation Under The Prompt-Pay Law To Pay Claims Directly To Provider

04-01

01/01/2004

2003

Agent Commission Reductions

03-01

01/01/2003

2002

Implementation Of The Terrorism Risk Insurance Act Of 2002

02-07

07/01/2002

In Re: Application Of Basic Reparation Benefit Deductibles

02-06

06/01/2002

Global Funding Agreement - Backed Securities

02-04

04/01/2002

Insurance Policies Issued By An "Unauthorized Insurer" Constitute Creditable Coverage

02-03

03/01/2002

Usa Patriot Act Of 2001

02-02

02/01/2002

Voluntary Expedited Filing Procedures For Exclusions Related To Acts Of Terrorism

02-01

01/01/2002

2001

Executive Order Blocking Property And Prohibiting Transactions With Persons Who Permit,Threaten To Commit,Or Support Terrorism

01-09

09/01/2001

Acting As Agent Exception To Appointment Termination Of Appointment

01-08

08/01/2001

Glba Section 305 Voluntary Expedited Filings Review

01-07

07/01/2001

Debtor Group

01-06

06/01/2001

KRS 304.18-110, State Continuation And Conversion, Effects Of The July 14, 2000, Amendment

01-05

05/01/2001

Supplement To 2001-2002 Kentucky Local Government Premium Tax Schedule And Listing Of Payees And Address

01-04S

04/01/2001

2001-2002 Kentucky Local Government Premium Tax Schedule And Listing Of Payees And Addresses

01-04

04/01/2001

The Effect Of KRS 304.17a-661,The Mental Health Parity Requirement On The Requirements Of KRS 304.17a-143, The Autism Benefit

01-03

03/01/2001

Insurer Exemption To The Licensing Of Administrators

01-02

02/01/2001

Opinion Not Issued

01-01

2000

Exemption From Local Government Premium Taxes HB 517, Section 30 KRS 91a.080 License Tax On Insurance Companies

00-05

05/01/2000

Advisory Not Issued

00-04

Independent Medical Examinations ["Ime"] For Basic Or Added Reparations Benefits Coverage Under Motor Vehicle Liability Insurance Policies

00-03

03/01/2000

HB 757 - 45-Day Cancellation Notice

00-02

02/01/2000

Providers Protected Under The Any Willing Provider Law

00-01

01/01/2000

1999

Waiver Of Our Right To Recover From Others Endorsements (Ncci Form Wc 00 01 13)

99-13

12/01/1999

Bulletin 98-2 Personal Lines Property Insurance For Earthquake Damages

99-12

11/01/1999

Opinion Not Issued

99-11

Opinion Not Issued

99-10

Opinion Not Issued

99-09

Any Willing Provider Law

99-08

08/01/1999

Dual Rates For Medicare Supplement Policies

99-07

07/01/1999

Claims Practice

99-06

06/01/1999

Group Claim Experience

99-05

05/01/1999

Opinion Not Issued

99-04

Experience-Information Reports Of Insurers

99-03

03/01/1999

Use Of Fee Schedules For Payment Of Medical Expenses In Basic And Added Reparation Benefits Coverage

99-02

02/01/1999

Conversion Plans As Health Benefits Plans

99-01

01/01/1999

1998

Damages For Motor Vehicle Loss Of Use And Settlement Of Claims For Motor Vehicles

98-05

05/01/1998

Participation Requirements For Groups

98-04

04/01/1998

Health Care Discount Programs

98-03

03/01/1998

Hospice Care Coverage Under Health Benefit Plans

98-02

02/01/1998

The Issuance And Renewal Of Health Benefit Plans Under 98 RS HB 315/En

98-01

01/01/1998