Public Policy and Legislation

Pre-liquidation Coordination Package

Pre-liquidation Coordination Package

NCIGF Adopted Restructuring Position Statement

Adopted NCIGF Position on Restructuring

Restructuring Statutes

Arizona IBT Statute
Arkansas IBT Statute
Colorado Division Statute
Georgia Division Statute
Oklahoma IBT Statute
Illinois Division Statute
Iowa Division Statute
Pennsylvania Division Statute
Rhode Island Run Off Statute
Connecticut Division Statute
Michigan Division Statute
Vermont LIMA Statute

State Legislative Agenda

State Legislation on Insolvency Issues

Model Laws

NCIGF Model Guaranty Fund Act
Large Deductible Model – Adopted 8/22/2013
Run-Off Transparency Statute – Adopted 8/22/2013
Claims Handling Statute – Adopted 8/22/2013
NCIGF Model Plan of Operation

Large Deductible Legislation Enacted

Missouri Law
California Law
Florida Law
Indiana Law
Illinois Law
Michigan Law
Pennsylvania Law
Texas Law
Utah Law
New Jersey Law
West Virginia Law
Lousiana Law

Position Papers

Preparing for Cyber Claims
NCIGF Recommendations to Deal with Large Deductible & PEO Insolvency Matters
Join Submission of NOLGHA & NCIGF Regarding NAIC Model Law Working Group’s Survey of States’ Receivership Laws
NCIGF Testimony Before House Financial Services Subcommittee – Insurance Oversight and Legislative Proposals 11/16/2011
Join Submission of NOLGHA & NCIGF Regarding FSB Consultative Document on Developing Effective Resolution Strategies and Plans
Joint Submission of NOLHGA & NCIGF Regarding Application of FSB Key Attributes to Insurers
NCIGF Recommendations on Restructuring Mechanism for Troubled Insurance Companies
NCIGF, NOLHGA Submit Comments to U.S. Treasury on Guaranty Fund System
A Call to Action: REport of the NCIGF Board Task Force Insolvency Issues
Treasury Review of Regulatory Structure Associated with Financial Institutions

Issue Backgrounders

Comments on Title Insurance Guaranty Association Exposure Drafts
Guaranty Funds Seek Changes to Meet Needs of the Most Vulnerable Personal Insurance Consumers
NCIGF: On Course to Help Secure the Future for Policyholders
Why Large Deductible Reimbursements Belong To Insurance Guaranty Funds
Guaranty Associations’ Approach to Unearned Premium Claims Puts Payment on the Fast Track for Homeowners, Auto Policyholders
Premium Relief Dilutes Fundamentals Aim of Guaranty Fund System
Reforming the Goals of Solvency Regulation


Roger Schmelzer Interviewed by AM Best, July 2014
The P&C Guaranty Funds: How the National System Works Today and the Potential Impact of a Fluid Global Regulatory Environment
Policyholder Protection in an Age of “Regulatory Fury”: The Double-Barreled Expansion of Insurance Oversight and What it Means for the GF System
Federal & International Insurance Issues – Their Potential Impact on State – Based GF, the Policyholders they Protect & What Comes Next

Current Issues

Workers’ Compensation Large Deductible Policies – Presentation to the NAIC March 2018
NAIC 2016 Workers’ Compensation Large Deductible Study
Section 111 of the Medicare, Medicaid & SCHIP Extension Act
The Role of Large Deductible Policies for PEOs in the Failures of Small Workers’ Compensation Insurers
Considerations for Insolvency Practitioners presented with Cyber Security Claims