2nd Engrossment - 83rd Legislature (2003 - 2004) Posted on 12/15/2009 12:00am
|Introduction||Posted on 02/12/2003|
|1st Engrossment||Posted on 03/20/2003|
|2nd Engrossment||Posted on 05/08/2003|
1.1 A bill for an act 1.2 relating to insurance; regulating notices of 1.3 terminations of certain health coverages; regulating 1.4 the FAIR plan; amending Minnesota Statutes 2002, 1.5 sections 62A.14; 62A.301; 62C.14, subdivision 5; 1.6 65A.29, subdivision 4; 65A.32; 65A.33, subdivisions 4, 1.7 6, 9, by adding subdivisions; 65A.34; 65A.35; 65A.36; 1.8 65A.37; 65A.375; 65A.38, subdivisions 1, 5; 65A.40; 1.9 65A.41; 65A.42; repealing Minnesota Statutes 2002, 1.10 section 65A.33, subdivision 5. 1.11 BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF MINNESOTA: 1.12 Section 1. Minnesota Statutes 2002, section 62A.14, is 1.13 amended to read: 1.14 62A.14 [HANDICAPPED CHILDREN.] 1.15 Subdivision 1. [INDIVIDUAL FAMILY POLICIES.] An individual 1.16 hospital or medical expense insurance policy delivered or issued 1.17 for delivery in this state more than 120 days after May 16, 1.18 1969, or an individual health maintenance contract delivered or 1.19 issued for delivery in this state after August 1, 1984, which 1.20 provides that coverage of a dependent child shall terminate upon 1.21 attainment of the limiting age for dependent children specified 1.22 in the policy or contract shall also provide in substance that 1.23 attainment of such limiting age shall not operate to terminate 1.24 the coverage of such child while the child is and continues to 1.25 be both (a) incapable of self-sustaining employment by reason of 1.26 mental retardation, mental illness or disorder, or physical 1.27 handicap and (b) chiefly dependent upon the policyholder for 1.28 support and maintenance, provided proof of such incapacity and 2.1 dependency is furnished to the insurer or health maintenance 2.2 organization by the policyholder or enrollee within 31 days of 2.3 the child's attainment of the limiting age and subsequently as 2.4 may be required by the insurer or organization but not more 2.5 frequently than annually after the two-year period following the 2.6 child's attainment of the limiting age. Any notice regarding 2.7 termination of coverage due to attainment of the limiting age 2.8 must include all the information in this section. 2.9 Subd. 2. [GROUP POLICIES.] A group hospital or medical 2.10 expense insurance policy delivered or issued for delivery in 2.11 this state more than 120 days after May 16, 1969, or a group 2.12 health maintenance contract delivered or issued for delivery in 2.13 this state after August 1, 1984, which provides that coverage of 2.14 a dependent child of an employee or other member of the covered 2.15 group shall terminate upon attainment of the limiting age for 2.16 dependent children specified in the policy or contract shall 2.17 also provide in substance that attainment of such limiting age 2.18 shall not operate to terminate the coverage of such child while 2.19 the child is and continues to be both (a) incapable of 2.20 self-sustaining employment by reason of mental retardation, 2.21 mental illness or disorder, or physical handicap and (b) chiefly 2.22 dependent upon the employee or member for support and 2.23 maintenance, provided proof of such incapacity and dependency is 2.24 furnished to the insurer or organization by the employee or 2.25 member within 31 days of the child's attainment of the limiting 2.26 age and subsequently as may be required by the insurer or 2.27 organization but not more frequently than annually after the 2.28 two-year period following the child's attainment of the limiting 2.29 age. Any notice regarding termination of coverage due to 2.30 attainment of the limiting age must include information about 2.31 this provision. 2.32 Sec. 2. Minnesota Statutes 2002, section 62A.301, is 2.33 amended to read: 2.34 62A.301 [COVERAGE OF FULL-TIME STUDENTS.] 2.35 If an insurer provides individual or group accident and 2.36 health coverage for dependents after what otherwise would be the 3.1 limiting age based on full-time student status the insurer must 3.2 include in its definition of full-time student, any student who 3.3 by reason of illness, injury, or physical or mental disability 3.4 as documented by a physician is unable to carry what the 3.5 educational institution considers a full-time course load so 3.6 long as the student's course load is at least 60 percent of what 3.7 otherwise is considered by the institution to be a full-time 3.8 course load. Any notice regarding termination of coverage due 3.9 to attainment of the limiting age must include information about 3.10 this provision. 3.11 For purposes of this section, "insurer" means an insurer 3.12 providing accident and health insurance regulated under this 3.13 chapter, a nonprofit health service plan corporation regulated 3.14 under chapter 62C, a health maintenance organization regulated 3.15 under chapter 62D, or a fraternal benefit society regulated 3.16 under chapter 64B. 3.17 Sec. 3. Minnesota Statutes 2002, section 62C.14, 3.18 subdivision 5, is amended to read: 3.19 Subd. 5. [HANDICAPPED DEPENDENTS.] A subscriber's 3.20 individual contract or any group contract delivered or issued 3.21 for delivery in this state and providing that coverage of a 3.22 dependent child of the subscriber or a dependent child of a 3.23 covered group member shall terminate upon attainment of a 3.24 specified age shall also provide in substance that attainment of 3.25 that age shall not terminate coverage while the child is (a) 3.26 incapable of self-sustaining employment by reason of mental 3.27 retardation, mental illness or disorder, or physical handicap, 3.28 and (b) chiefly dependent upon the subscriber or employee for 3.29 support and maintenance, provided proof of incapacity and 3.30 dependency is furnished by the subscriber within 31 days of 3.31 attainment of the age, and subsequently as required by the 3.32 corporation, but not more frequently than annually after a two 3.33 year period following attainment of the age. Any notice 3.34 regarding termination of coverage due to attainment of the 3.35 limiting age must include information about this provision. 3.36 Sec. 4. Minnesota Statutes 2002, section 65A.29, 4.1 subdivision 4, is amended to read: 4.2 Subd. 4. [FORM REQUIREMENTS.] Any notice or statement 4.3 required by subdivisions 1 to 3, or any other notice canceling a 4.4 homeowner's insurance policy must be written in language which 4.5 is easily readable and understandable by a person of average 4.6 intelligence and understanding. The statement of reason must be 4.7 sufficiently specific to convey, clearly and without further 4.8 inquiry, the basis for the insurer's refusal to renew or to 4.9 write the insurance coverage. 4.10 The notice or statement must also inform the insured of: 4.11 (1) the possibility of coverage through the Minnesota 4.12
property insurance placement facilityFAIR plan under sections 4.13 65A.31 to 65A.42; 4.14 (2) the right to object to the commissioner under 4.15 subdivision 9; and 4.16 (3) the right to the return of unearned premium in 4.17 appropriate situations under subdivision 10. 4.18 Sec. 5. Minnesota Statutes 2002, section 65A.32, is 4.19 amended to read: 4.20 65A.32 [PURPOSES.] 4.21 The purposes of sections 65A.31 to 65A.42 are: 4.22 (1) to encourage stability in the property and liability 4.23 insurance market for property located in this state; 4.24 (2) to encourage maximum use, in obtaining property and 4.25 liability insurance, as defined in sections 65A.31 to 65A.42, of 4.26 the normal insurance market provided by the private property and 4.27 casualty insurance industry; 4.28 (3) to encourage the improvement of the condition of 4.29 properties located in this state and to further orderly 4.30 community development generally; 4.31 (4) to provide for an organization known as the Minnesota 4.32 property insurance placement facilityFAIR plan, which will 4.33 assure fair access to insurance requirements (FAIR plan)in 4.34 order that no property shall beis denied property or liability 4.35 insurance through the FAIR plan due to the condition of the 4.36 property, except after a physical inspection of suchthe 5.1 property and a fair evaluation of its individual underwriting 5.2 characteristics; 5.3 (5) to publicize the purposes and procedures of the FAIR 5.4 plan to the end that no one may fail to seek its assistance 5.5 through lack of knowledge of its existence; and 5.6 (6) to provide for the formulation and administration by 5.7 the Minnesota property insurance placement facilityFAIR plan of 5.8 a reinsurance arrangement whereby property and casualty insurers 5.9 shallshare equitably the responsibility for insuring insurable 5.10 property for which property and liability insurance cannot be 5.11 obtained through the normal insurance markets. 5.12 Sec. 6. Minnesota Statutes 2002, section 65A.33, 5.13 subdivision 4, is amended to read: 5.14 Subd. 4. "Minnesota property insurance placement5.15 facilityFAIR plan," hereinafter referred to as the facility,or 5.16 "plan," means the organization formed by insurers to assist 5.17 applicants in securing property or liability insurance and to 5.18 administer the FAIR plan. 5.19 Sec. 7. Minnesota Statutes 2002, section 65A.33, is 5.20 amended by adding a subdivision to read: 5.21 Subd. 5a. [MEMBER.] "Member" means any insurer as defined 5.22 in subdivision 2. 5.23 Sec. 8. Minnesota Statutes 2002, section 65A.33, 5.24 subdivision 6, is amended to read: 5.25 Subd. 6. "Premiums written" means grossdirect written 5.26 premiums charged during the second preceding calendar year with 5.27 respect to property in this state on all policies of property or5.28 liability insurance and the property or liability insurance5.29 premium components of all multiperil policies, as computed by5.30 the facility, less return premiums, dividends paid or credited5.31 to policyholders, or the unused or unabsorbed portions of5.32 premium depositsfor fire, allied lines, homeowners, the 5.33 nonliability component of farm policies, and the nonliability 5.34 component of commercial multiperil policies, as reported by the 5.35 members to the NAIC. 5.36 Sec. 9. Minnesota Statutes 2002, section 65A.33, 6.1 subdivision 9, is amended to read: 6.2 Subd. 9. [BOARD.] "Board" means the governing board of 6.3 directors of the Minnesota property insurance placement facility6.4 FAIR plan. 6.5 Sec. 10. Minnesota Statutes 2002, section 65A.33, is 6.6 amended by adding a subdivision to read: 6.7 Subd. 10. [NAIC.] "NAIC" means the National Association of 6.8 Insurance Commissioners. 6.9 Sec. 11. Minnesota Statutes 2002, section 65A.34, is 6.10 amended to read: 6.11 65A.34 [ APPLICATION FORPLAN COVERAGE.] 6.12 Subdivision 1. [APPLICATION.] Any person having an 6.13 insurable interest in real or tangible personal property who has 6.14 been canceled, nonrenewed, or otherwise rejected for coverage in 6.15 the private market shall be entitled tomay submit an 6.16 application for coverage to the facilityplan. If an inspection 6.17 of the premises is performed, it must be done at no cost to the 6.18 applicant. 6.19 Subd. 2. [INSPECTIONS.] Before the plan may deny coverage 6.20 due to the condition of the property or write coverage with a 6.21 condition charge, it must first inspect the property for which 6.22 coverage has been requested. The manner and scope of the 6.23 inspections of Minnesota FAIR plan business shallmust be 6.24 prescribed by the facilityplan with the approval of the 6.25 commissioner. 6.26 Subd. 3. [INITIAL INSPECTION REPORT.] An inspection report 6.27 shallmust be made for each property inspected. The 6.28 report shallmust cover pertinent structural and occupancy 6.29 features as well as the general condition of the building and 6.30 surrounding structures. A representative photograph of the 6.31 property may be taken during the inspection. 6.32 Subd. 4. [CONDITION CHARGES.] Either during the inspection 6.33 or immediately thereafterafter the inspection, an employee of 6.34 the FAIR plan shall inform the applicant as to the features that 6.35 result in a condition charge if the risk is accepted. No 6.36 inspector shall havehas the authority to advise whether 7.1 the facilityplan will provide the coverage. 7.2 Subd. 5. [COMPLETED INSPECTION REPORT.] Within ten 7.3 business days after the inspection, the FAIR plan shall prepare 7.4 or have prepared a completed inspection report that includes 7.5 conditions that are subject to a condition charge under the 7.6 rating plan approved by the commissioner. A copy of the 7.7 inspection report must be made available to the applicant or the 7.8 applicant's agent upon request. 7.9 Subd. 6. Before the facility may deny coverage or write7.10 coverage with a condition charge, it must cause an inspection to7.11 be made of any risk submitted to it, without cost to the owner.7.12 Sec. 12. Minnesota Statutes 2002, section 65A.35, is 7.13 amended to read: 7.14 65A.35 [ADMINISTRATION.] 7.15 Subdivision 1. [MEMBERSHIP.] Each insurer which is7.16 authorized to write and isengaged in writing within this state, 7.17 on a direct basis, property or liability insurance or any 7.18 component thereofof this insurance contained in a multiperil 7.19 policy, including homeowners and commercial multiperil policies, 7.20 shall participate in the facility, as hereinafter7.21 described,plan as a condition of its authority to write such 7.22 kinds of insurance within this state. 7.23 Subd. 2. [PURPOSES.] The purposes of the facility shall be7.24 twofold, as more fully set forth in this sectionMinnesota FAIR 7.25 plan are: 7.26 (1) to formulate and administer, subject to the approval of 7.27 the commissioner, a plan assuring fair access to insurance 7.28 requirements in order that no property shall beis denied 7.29 property or liability insurance through the normal insurance7.30 market provided by the private property and casualty insurance7.31 industryFAIR plan due to the condition of the property, except 7.32 after a physical inspection of suchthe property and a fair 7.33 evaluation of its individual underwriting characteristics; and 7.34 (2) to formulate and administer, subject to the approval of 7.35 the commissioner, a reinsurance arrangement whereby the members 7.36 of the facility shallMinnesota FAIR plan share equitably the 8.1 responsibility for insuring property which is insurable but for 8.2 which property or liability insurance cannot be obtained through 8.3 normal insurance markets. 8.4 Subd. 3. [PLAN OF OPERATION.] The plan of operation of the 8.5 facilityMinnesota FAIR plan, consistent with the provisions of 8.6 sections 65A.31 to 65A.42 and the purpose of the facility, which8.7 shallplan must provide for the FAIR plan, the reinsurance 8.8 arrangement, and the economical and efficient administration of 8.9 the facilityMinnesota FAIR plan, including, but not limited to, 8.10 management of the facilityplan, establishment of necessary 8.11 facilities within this state, assessment of members to defray 8.12 losses and expenses, commission arrangements, reasonable 8.13 underwriting standards, acceptance and cession of reinsurance, 8.14 and procedures for determining amounts of insurance to be 8.15 provided. 8.16 The plan of operation shall beis subject to approval by 8.17 the commissioner. 8.18 Subd. 4. [AMENDMENT OF THE PLAN OF OPERATION.] The 8.19 facilityMinnesota FAIR plan shall ,amend the plan of operation 8.20 on its own initiative, subject to prior approval by the 8.21 commissioner, or at the direction of the commissioner , amend the8.22 Plan of Operation. 8.23 Subd. 5. [ADMINISTRATION.] (1) The facility shall be8.24 Minnesota FAIR plan is administered by a board of nine 8.25 directors, five of whom are elected by the members of 8.26 the facilityplan and four who represent the public. Public 8.27 directors may include licensed insurance agents. Public 8.28 directors are appointed by the commissioner. At least one8.29 elected director shall be a domestic stock insurer, and at least8.30 one director shall be a domestic nonstock insurer.No less than 8.31 two elected directors must be representatives of domestic 8.32 insurers. In the election of directors, each member of 8.33 the facility shall beMinnesota FAIR plan is allotted votes 8.34 bearing the same ratio to the total number of votes to be cast 8.35 as its degree of participation in the facilityplan bears to the 8.36 total participation. 9.1 (2) Any vacancy among the elected directors shallmust be 9.2 filled by a vote of the other elected directors. 9.3 (3) If at any time the members fail to elect the required 9.4 number of directors to the board, or a vacancy remains unfilled 9.5 for more than 15 days, the commissioner may appoint the 9.6 directors necessary to constitute a full board of directors. 9.7 (4) Vacancies among directors appointed by the commissioner 9.8 shallmust be filled by appointment by the commissioner. A 9.9 person so appointed serves until the end of the term of the 9.10 director the person is replacing. 9.11 (5) All public directors serve for a period of two years. 9.12 The terms of all public directors begin on JanuaryJuly 1 of the 9.13 year their appointments begin. 9.14 (6) The plan of operation must provide for adequate 9.15 compensation of public directors. A per diem amount and a 9.16 procedure for reimbursement of expenses incurred in the 9.17 discharge of their duties must be included in the plan. Private 9.18 directors whose employers compensate them while serving on the9.19 board or who would submit their compensation to their employers9.20 are not eligible for compensation under the plan. 9.21 Subd. 6. [PARTICIPATION.] All members of the 9.22 facilityMinnesota FAIR plan shall participate in its expenses, 9.23 losses, and equity distribution in the proportion that the 9.24 premiums written as hereindefined in this subdivision, but 9.25 excluding that portion, if any, of premiums which is9.26 attributable to the reinsurance arrangement maintained by the 9.27 facility, by each such member during the second preceding 9.28 calendar year bear to the aggregate premiums written in this 9.29 state by all members of the facilityplan. SuchParticipation 9.30 by each member in the facility shall beplan is determined 9.31 annually by the facilityplan on the basis of such premiums 9.32 written during the second preceding calendar year as disclosed 9.33 in the annual statements and other reports filed by the member 9.34 with the commissionerNAIC. 9.35 Sec. 13. Minnesota Statutes 2002, section 65A.36, is 9.36 amended to read: 10.1 65A.36 [UNDERWRITING.] 10.2 Subdivision 1. [EVALUATION OF RISK.] Agents are not 10.3 permitted to bind coverage. The facilityMinnesota FAIR plan 10.4 shall issue a policy if the risk meets preliminary underwriting 10.5 requirements. The facilityplan may request an inspection 10.6 report to obtain further underwriting information. If the 10.7 inspection reveals that the applicant is not eligible for the 10.8 coverage applied for, the facilityplan shall inform the 10.9 applicant within 59 days of the inception of the policy that the 10.10 policy will be rescinded under section 65A.01, subdivision 3, 10.11 paragraph (b), or canceled under section 65A.38. If the 10.12 applicant is eligible for other coverage provided by 10.13 the facilityplan, the facilityplan will offer to replace the 10.14 rescinded or canceled policy with a policy providing coverage 10.15 for which the applicant is eligible. 10.16 Before the 60th day after the inception of the policy, the 10.17 facilityFAIR plan shall advise the applicant that: 10.18 (a)(1) the risk is acceptable with or without a condition 10.19 charge or adjustment of policy limits. If a condition charge 10.20 applies, the facilityplan will tell the insured what 10.21 improvements are necessary in order to remove the charge; 10.22 (b)(2) the risk is not acceptable unless improvements 10.23 noted by the facilityplan are made by the applicant and 10.24 confirmed by the facilityplan; or 10.25 (c)(3) the risk is not acceptable for the reasons stated 10.26 by the facilityplan. 10.27 Subd. 2. [PREMIUM INVOICE.] If the risk is accepted, an 10.28 invoice will be delivered to the applicant requiring payment10.29 remittance of the appropriate premium amount. After receipt of10.30 the invoiced premium, the facility shall issue an insurance10.31 policy to the applicant within five business days.10.32 Subd. 3. [DECLINING A RISK.] In the event a risk is 10.33 declined because it fails to meet reasonable underwriting 10.34 standards, the applicant shallmust be so notified. Reasonable 10.35 underwriting standards shallinclude, but are not belimited to ,10.36 the following: 11.1 (a)(1) the physical condition of the property, such as its 11.2 construction, heating, wiring, evidence of previous 11.3 fires, significant unrepaired damage, or general deterioration; 11.4 (b) its(2) the present use or housekeeping of the property 11.5 such as vacancy, overcrowding, storage of rubbish, or flammable 11.6 materials; or 11.7 (c)(3) other specific characteristics of ownership, 11.8 condition, occupancy, or maintenance which are violative of 11.9 public policy and result in increased exposure to loss. 11.10 Neighborhood or area location or any environmental hazard 11.11 beyond the control of the property owner shallare not be deemed11.12 to beacceptable criteria for declining a risk. 11.13 Subd. 4. [APPEAL OF PLAN DECISION.] In the event that a 11.14 risk is declined on the basis that it does not meet reasonable 11.15 underwriting standards, or the coverage will be written on 11.16 condition that the property be improved, the facilityplan 11.17 shall, within five business days, send copies of the inspection 11.18 report to the applicant and the commissioner, and shall advise 11.19 the applicant of the right to and the procedure for an appeal to 11.20 the governing board and to the commissioner. 11.21 Subd. 5. [ACTION ON COMPLETED APPLICATION.] The facility11.22 plan must within five business days of the receipt of a 11.23 completed application advise the applicant that the risk has 11.24 been declined, the risk has been accepted, or that the risk11.25 meets preliminary underwriting standards and a policy has been11.26 issuedlimit of coverage has been adjusted to reflect the 11.27 insurable value of the subject property. 11.28 Sec. 14. Minnesota Statutes 2002, section 65A.37, is 11.29 amended to read: 11.30 65A.37 [POLICY FORMS.] 11.31 All policies shallmust be on standard policy forms at loss11.32 costspublished by Insurance Services Office, issued for a term 11.33 of one year, and approved by the commissioner. All homeowners,11.34 cooperative housing insurance, and condominium unit owners11.35 insurance policies must be on forms published by Insurance11.36 Services Office and approved by the commissioner.12.1 Sec. 15. Minnesota Statutes 2002, section 65A.375, is 12.2 amended to read: 12.3 65A.375 [RATES FOR COOPERATIVE HOUSING AND NEIGHBORHOOD12.4 REAL ESTATE TRUSTS.] 12.5 The commissioner shall set the insurance rates for 12.6 cooperative housing, organized under chapter 308A, and for 12.7 neighborhood real estate trusts, characterized as nonprofit 12.8 ownership of real estate with resident control. The rates must 12.9 be actuarially sound. All other rates used by the Minnesota 12.10 FAIR plan must be approved by the commissioner prior to use. 12.11 Sec. 16. Minnesota Statutes 2002, section 65A.38, 12.12 subdivision 1, is amended to read: 12.13 Subdivision 1. The facilityMinnesota FAIR plan shall not 12.14 cancel a policy issued under sections 65A.31 to 65A.42 except 12.15 for: 12.16 (a)(1) for cause which would have been grounds for 12.17 nonacceptance of the risk under the program had the cause been 12.18 known to the facilityplan at the time of acceptance; 12.19 (b)(2) for nonpayment of premium; or 12.20 (c)(3) with the approval of the governing board. 12.21 Sec. 17. Minnesota Statutes 2002, section 65A.38, 12.22 subdivision 5, is amended to read: 12.23 Subd. 5. Cancellation of a commercial property insurance 12.24 policy issued by the facilityMinnesota FAIR plan must comply 12.25 with sections 60A.35 to 60A.38. 12.26 Sec. 18. Minnesota Statutes 2002, section 65A.40, is 12.27 amended to read: 12.28 65A.40 [EDUCATION PROGRAMS.] 12.29 The facilityplan will undertake a continuing public 12.30 education program, in cooperation with producers and others, to 12.31 assure that the Minnesota FAIR Plan Act receives adequate public 12.32 attention. 12.33 Sec. 19. Minnesota Statutes 2002, section 65A.41, is 12.34 amended to read: 12.35 65A.41 [AGENTS.] 12.36 Subdivision 1. [GENERALLY.] A person licensed under 13.1 chapter 60K may submit an application for coverage to 13.2 the facilityMinnesota FAIR plan and receive a commission from 13.3 the facilityplan for submitting the applicationpremiums paid 13.4 for coverage. However, the licensee is not an agent of 13.5 the facilityMinnesota FAIR plan for purposes of state law. All 13.6 checks or similar instruments submitted in payment of facility13.7 plan premiums must be made payable to the facilityMinnesota 13.8 FAIR plan and not the agent. 13.9 Subd. 2. [DUTY TO SUBMIT APPLICATION.] An agent or broker 13.10 shall not refuse to submit an application for basic property 13.11 insurance coverage to the facilityMinnesota FAIR plan if 13.12 licensed to write and actively engaged in writing such insurance. 13.13 Sec. 20. Minnesota Statutes 2002, section 65A.42, is 13.14 amended to read: 13.15 65A.42 [IMMUNITY FROM LIABILITY.] 13.16 There shall beis no civil or criminal liability on the 13.17 part of, and no cause of action of any nature shall arisearises 13.18 against insurers, the facilityMinnesota FAIR plan, the 13.19 governing board, or employees of the facilityplan or the 13.20 commissioner or the commissioner's authorized representatives, 13.21 for any acts or omissions by them if the acts or omissions were 13.22 in good faith and within the scope of their responsibilities 13.23 under sections 65A.31 to 65A.42. The inspection reports and 13.24 communications of the inspection vendors and the facility13.25 Minnesota FAIR plan are not public documents. 13.26 Sec. 21. [REPEALER.] 13.27 Minnesota Statutes 2002, section 65A.33, subdivision 5, is 13.28 repealed. 13.29 Sec. 22. [EFFECTIVE DATE; APPLICATION.] 13.30 Sections 1 to 3 are effective August 1, 2003, and apply to 13.31 all notices regarding termination of coverage due to attainment 13.32 of the limiting age sent on or after that date.