Idaho State Statutes - Idaho Attorney Directory

"Group
disability insurance" is hereby declared to be that form of disability
insurance covering groups of persons as defined below, with or without one or
more members of their families or one or more of their dependents, or covering
one or more members of the families or one or more dependents of such groups
of persons, and issued upon the following basis:
(1) Under a policy issued to an employer or trustees of a fund
established by an employer, who shall be deemed the policyholder, insuring
employees of such employer for the benefit of persons other than the employer.
The term "employees" as used herein shall be deemed to include the officers,
managers, and employees of the employer, the individual proprietor or partner
if the employer is an individual proprietor or partnership, the officers,
managers, and employees of subsidiary or affiliated corporations, the
individual proprietors, partners and employees of individuals and firms, if
the business of the employer and such individual or firm is under common
control through stock ownership, contract, or otherwise. The term "employees"
as used herein may include retired employees. A policy issued to insure
employees of a public body may provide that the term "employees" shall include
elected or appointed officials. The policy may provide that the term
"employees" shall include the trustees or their employees, or both, if their
duties are principally connected with such trusteeship.
(2) Under a policy issued to an association, including a labor union,
which shall have a constitution and by-laws and which has been organized and
is maintained in good faith for purposes other than that of obtaining
insurance, insuring members, employees, or employees of members of the
association for the benefit of persons other than the association or its
officers or trustees. The term "employees" as used herein may include retired
employees.
(3) Under a policy issued to the trustees of a fund established by two
(2) or more employers in the same or related industry or by one or more labor
unions or by one or more employers and one or more labor unions or by an
association as defined in subdivision (2) above, which trustees shall be
deemed the policyholder, to insure employees of the employers or members of
the unions or of such association, or employees of members of such
association, for the benefit of persons other than the employers or the unions
or such association. The term "employees" as used herein may include the
officers, managers and employees of the employer, and the individual
proprietor or partners if the employer is an individual proprietor or
partnership. The term "employees" as used herein may include retired
employees. The policy may provide that the term "employees" shall include the
trustees or their employees, or both, if their duties are principally
connected with such trusteeship.
(4) Under a policy issued to any person or organization to which a policy
of group life insurance may be issued or delivered in this state to insure any
class or classes of individuals that could be insured under such group life
policy.
(5) Under a policy issued to cover any other substantially similar group
which, in the discretion of the director, may be subject to the issuance of a
group disability policy or contract.
(6) Any group disability policy which contains provisions for the payment
by the insurer of benefits for expenses incurred on account of hospital,
nursing, medical, or surgical services for members of the family or dependents
of a person in the insured group may provide for the continuation of such
benefit provisions, or any part or parts thereof, after the death of the
person in the insured group.

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