Video & Transcript Research : 'post-loss benefits'
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WA
Washington 2025-2026 Regular Session
House Consumer Protection & Business Feb 25th, 2026 at 01:30 pm
Consumer Protection & Business
Transcript Highlights:
- This is the bill prohibiting an assignment agreement whereby any post-loss insurance benefit is transferred
- amendments: MOV 643 by Representative Abbarno exempts from the prohibition on the assignment of benefits
- This is the bill prohibiting an assignment agreement, whereby any post-loss insurance benefit is transferred
- MOV 643 by Representative Abarno, exempts from the prohibition on the assignment of benefits contractors
Keywords:
SB6178, property insurance, insurance claims, assignment of benefits, AOB, post-loss assignment, post-loss benefits, homeowners insurance, policyholder, insured, restoration contractor, mitigation contractor, public adjuster, insurance commissioner, claims handling, consumer protection, void and unenforceable, Washington insurance code, chapter 48 RCW, civil penalty
WA
Washington 2025-2026 Regular Session
House Consumer Protection & Business Feb 24th, 2026 at 01:30 pm
Consumer Protection & Business
Transcript Highlights:
- Now, a possible benefit of that program...
- And the losses on these ATMs are particularly high.
- The median reported loss using a crypto ATM was about $10,000.
- The median reported loss using a crypto ATM was about $10,000 in 2024.
- Would that be a helpful thing for customers to limit their losses?
Keywords:
SB6178, property insurance, insurance claims, assignment of benefits, AOB, post-loss assignment, post-loss benefits, homeowners insurance, policyholder, insured, restoration contractor, mitigation contractor, public adjuster, insurance commissioner, claims handling, consumer protection, void and unenforceable, Washington insurance code, chapter 48 RCW, civil penalty
WA
Washington 2025-2026 Regular Session
House Consumer Protection & Business Feb 18th, 2026 at 01:30 pm
Consumer Protection & Business
Transcript Highlights:
- hearing on Substitute Senate Bill 6091 and open the public hearing on Senate Bill 6178, prohibiting the post-loss
- assignment of benefits in property insurance.
- prohibits the soliciting, coercing, requiring, or contracting for an assignment agreement in which post-loss
- And these are what's called post-loss assignment of benefits.
- But then it's based on the assignment of benefits.
Keywords:
mortgage modification, uniform regulations, homeowners, financial stability, foreclosure prevention, SB6178, property insurance, insurance claims, assignment of benefits, AOB, post-loss assignment, post-loss benefits, homeowners insurance, policyholder, insured, restoration contractor, mitigation contractor, public adjuster, insurance commissioner, claims handling
AL
Alabama 2026 Regular Session
Alabama Senate Transportation and Energy Committee Apr 2nd, 2026
Transportation and Energy
Bills:
HB542
Keywords:
HB542, district attorney, prosecutor, supernumerary district attorney, Employees' Retirement System, ERS, Alabama retirement, public employee retirement, pension, retirement benefits, post-retirement employment, salary cap, dual participation, double dipping, District Attorneys' Plan, assistant district attorney, deputy district attorney, state pension, survivor benefits, Office of Prosecution Services
AL
Alabama 2025 Regular Session
Alabama Senate Finance and Taxation General Fund Committee May 1st, 2025
Finance and Taxation General Fund
Keywords:
state employees, meal allowance, per diem, travel expenses, Alabama law, HB542, district attorney, prosecutor, supernumerary district attorney, Employees' Retirement System, ERS, Alabama retirement, public employee retirement, pension, retirement benefits, post-retirement employment, salary cap, dual participation, double dipping, District Attorneys' Plan
OK
Oklahoma 2026 Regular Session
Commerce and Economic Development Oversight REVISED: SB1101 and SB1966 - Added Apr 16th, 2026 at 10:30 am
Commerce & Economic Development Oversight
Keywords:
SB80, legislation, state law, public safety, community impact, local governance, dental coverage, insurance reporting, healthcare access, dental loss ratio, community benefits, Oklahoma law, Athletic Trainer, Compact, interstate practice, licensure, public health, workforce development, military spouses, telehealth
MN
Minnesota 2025-2026 Regular Session
House Public Safety Finance and Policy Committee 4/14/26
Public Safety Finance and Policy
Transcript Highlights:
- </c> benefit eligible. benefit eligible.
- It — and we had the DE2 posted on Friday.
- So if you have some interest, it is posted on our website.
- </c> interest, it is posted on our website. interest, it is posted on our website.
- It could mean the loss of the only domestic violence program in the area.
Keywords:
public safety officer, survivor benefits, line of duty death, occupational cancer, firefighter, police officer, paramedic, EMT, correctional officer, first responder, workers' compensation, death benefits, occupational exposure, carcinogen, cancer presumption, mesothelioma, leukemia, lung cancer, post-traumatic stress disorder, PTSD
AL
Alabama 2025 Regular Session
Alabama House Ways and Means General Fund Committee Apr 16th, 2025
Ways and Means General Fund
Transcript Highlights:
- House Bill 227 by Representative Firefighters to limit the post-retirement House Bill 227 limits the
- post-retirement qualifying period for benefits for certain occupational diseases.
- Retirement Benefits and Allowances, further providing for membership of district attorneys' plans, expanding
- vested under the supernumerary program, cannot draw from the ERS while they receive supernumerary benefits
- This situation creates a concern for those district attorneys wishing to transition between the two benefit
Keywords:
firefighter benefits, occupational disease, line of duty, disability pension, death benefits, retirement benefits, hypertension, heart disease, respiratory disease, cancer presumption, HIV, hepatitis, municipal firefighters, state firefighters, fire districts, workers' compensation, public safety employees, post-retirement benefits, benefit eligibility cutoff, occupational illness
TX
Keywords:
JET Grant Program, career education, technical education, community colleges, technology solutions, high demand jobs, first responders, acute myocardial infarction, stroke, benefits, compensation, presumption of disability, emergency services, healthcare, Medicaid, mental health, substance abuse, treatment access, cost, insurance coverage
TX
Keywords:
JET Grant Program, career education, technical education, community colleges, technology solutions, high demand jobs, first responders, acute myocardial infarction, stroke, benefits, compensation, presumption of disability, emergency services, healthcare, Medicaid, mental health, substance abuse, treatment access, cost, insurance coverage
TX
Keywords:
JET Grant Program, career education, technical education, community colleges, technology solutions, high demand jobs, first responders, acute myocardial infarction, stroke, benefits, compensation, presumption of disability, emergency services, healthcare, Medicaid, mental health, substance abuse, treatment access, cost, insurance coverage
TX
Keywords:
JET Grant Program, career education, technical education, community colleges, technology solutions, high demand jobs, first responders, acute myocardial infarction, stroke, benefits, compensation, presumption of disability, emergency services, healthcare, Medicaid, mental health, substance abuse, treatment access, cost, insurance coverage
AZ
Transcript Highlights:
- And basically, the only real benefit would be for speculators and flippers.
- What Arizona neighborhood does this really benefit, and how many Arizona neighborhoods can this harm?
- What Arizona neighborhood does this really benefit, and how many Arizona neighborhoods can this harm?
- Her family, because of this incredible benefit program, was able to make that possible for her.
- And I think that's ultimately what will benefit Arizona kids and our education system.
Bills:
HB2211, HB2229, HB2389, HB2403, HB2445, HB2502, HB2620, HB2813, HB2872, HB2889, HB2960, HB4028, HCR2007
Keywords:
contractors, subcontractors, resident preference, public contracts, materials supply, Arizona Revised Statutes, local businesses, pregnancy resource center, pregnancy center, crisis pregnancy center, DHS, Arizona Department of Health Services, state appropriation, general fund, nonprofit grant, women's health, maternal health, reproductive health, abortion funding, pro-life
TX
Transcript Highlights:
- With that, we'll begin the hearing with the bills posted on today's agenda.
- for post-traumatic stress disorder.
- for post-traumatic stress disorder.
- DWC has successfully implemented video benefit review conferences system-wide.
- video benefit review conferences system-wide.
Keywords:
JET Grant Program, career education, technical education, community colleges, technology solutions, high demand jobs, first responders, acute myocardial infarction, stroke, benefits, compensation, presumption of disability, emergency services, healthcare, Medicaid, mental health, substance abuse, treatment access, cost, insurance coverage
KY
Kentucky 2025 Regular Session
Public Pension Oversight Board (12-12-25) - Part 2 Reupload
Transcript Highlights:
- hazardous duty benefits.
- </c> and also the health benefits provided. and also the health benefits provided.
- Those benefits as well.
- </c> need of those hazardous duty benefits. need of those hazardous duty benefits.
- their um benefit payout as well?
Keywords:
Reuploaded to restore a few minutes lost at the end of the meeting
Representative Tackett-Lafferty: 00:22
• Line of Duty Disability Benefits
Representative Grossberg: 26:32
• Loss of TRS Credit Due to Religious Holiday Observance
Representative Blanton: 32:01
• Educational Contracts and Membership Dates in KERS
Representative Tipton and Representative Blanton: 40:55
• Apply SB 10 Changes from 2025 to KERS/SPRS
Senator Higdon: 46:08
• PPOB Reporting on Line of Duty Benefits
• TRS Annual Leave Impact on TRS
• PPOB Membership
• Use of Sick Leave for Religious Holidays
Adjournment: 56:03, 958, all
Summary:
The committee heard testimony from Rep. Ashley Tackett Laferty on a bill to extend minimum line-of-duty hazardous duty retirement benefits to certain CERS and KERS non-hazardous members who are injured in the line of duty and cannot return to that work. She used a video and examples from Eastern Kentucky first responders, including a deputy who lost a leg and an emergency management director who lost an eye, to argue that some injured officers and responders fall through the cracks because their employers did not elect hazardous-duty coverage. She said the proposal would provide 25% of pay to the disabled officer, plus 10% for dependent children and minimal health benefits, and noted estimated actuarial costs of about $2.9 million for CERS and $0.542 million for KERS, funded through small employer-rate increases.
Members asked how far back the bill would reach, how many people might qualify, and whether the benefit would apply only to active employees or also to past injuries. Laferty said the bill would include a five-year window for recent situations and could potentially cover a total of 3,333 positions statewide that could be certified as hazardous, though benefits would only apply if the person was injured in the line of duty and disabled from returning to that work. Questions also focused on whether a non-hazardous employee could qualify if injured in a hazardous situation; Laferty said yes, if the position could be certified as hazardous, but only for the bill’s minimum benefits. Rep. Josh Calloway and others noted that local governments choose whether to pay the higher hazardous-duty contribution rates, which they said often drives the coverage decision.
The committee then heard Rep. Daniel Gberg present a separate bill revising school leave rules so teachers and school employees may use accumulated sick leave to observe religious holidays not on the school calendar, with a required personal statement and advance notice. He said the change would address a longstanding inconsistency for teachers who observe non-Christian holidays and currently may have to choose between unpaid leave or improperly using sick days, and he said prior concerns about retirement service credit and maternity leave were reduced by other policy changes. The discussion ended without a vote, with members indicating they had the relevant materials and that the bill would be revisited later.
OK
Transcript Highlights:
- that home insurance companies often elect to adjust rates in less regulated states to make up for losses
- The speaker added that they would keep the committee posted as more information is provided, and then
- impartial umpire when a body shop and an insurance adjuster or insurance company could not agree on a loss
- You know, the provision against using loss expenses outside of the state of Oklahoma, which everybody
- This is a... you know, the provision against using loss expenses outside of the state of Oklahoma, which
Keywords:
insurance, nonadmitted insurers, surplus lines, insurance regulation, Oklahoma, health insurance, contracting entities, medical providers, enrollment, beneficiary rights, property and casualty, rates, filing, Insurance Commissioner, regulation, property, regulations, actuary, rate filing, independent review
Summary:
The committee heard a series of insurance-related bills, with much of the discussion focused on homeowners insurance rates, transparency, and regulatory oversight. House Bill 3696, a proposed rate-approval style measure for homeowners insurance, drew extensive questioning about whether it would actually lower premiums, its comparison to Texas, the role of the Insurance Department and Attorney General, and possible effects on carriers and agents. The author said the bill was intended to increase transparency and consumer protections, acknowledged it was a work in progress, and agreed to strike the title and keep working with the committee. The bill ultimately passed the committee on a recorded vote.
The committee also advanced House Bill 3259, which would prohibit certain health care contract clauses such as all-or-nothing, anti-steering, gag, and most-favored-nation provisions; House Bill 4294, a follow-up to Dylan’s Law dealing with epilepsy-related insurance coverage and neurostimulator devices; and House Bill 4488, which would let the Insurance Commissioner appoint an impartial umpire when a body shop and insurer cannot agree on a loss value. House Bill 3646, a broad and still-developing insurance bill involving rate review, litigation, venue, AI use, and Attorney General involvement, generated substantial concern from members about workability, litigation, and agent exposure. Its author said it was not final, but the committee voted it down.
Later, the committee passed House Bill 3048, a cleanup measure for surplus lines licensing laws; House Bill 3780, requiring an independent actuary review as a transparency measure; House Bill 3781, changing the timing from use-and-file to file-and-use with a 60-day review period while the author said he did not want rate approval; House Bill 3802, delaying rate adjustments after a spouse’s death until renewal; House Bill 3818, creating a home and auto savings account framework intended to help policyholders raise deductibles and lower premiums; and House Bill 2929, which limits how far back insurers may look at homeowners and auto claims for underwriting purposes. Most of these bills passed with little or no opposition after brief questioning.
OK
Transcript Highlights:
- that home insurance companies often elect to adjust rates in less regulated states to make up for losses
- part of what we're going to be discovering here during the rest of the session, so I'll keep you posted
- 4488 says that when a body shop and the insurance adjuster or the insurance company don't agree on a loss
- For example, you know, the provision against using loss expenses outside of the State of Oklahoma, which
- Loss expenses outside of the State of Oklahoma, which everybody has told me that we don't do.
Keywords:
insurance, nonadmitted insurers, surplus lines, insurance regulation, Oklahoma, health insurance, contracting entities, medical providers, enrollment, beneficiary rights, property and casualty, rates, filing, Insurance Commissioner, regulation, property, regulations, actuary, rate filing, independent review
OK
Keywords:
longevity pay, state employees, Oklahoma government, salary increase, emergency declaration, capital planning, funding allocation, state budget, infrastructure, emergency measures, income tax credit, qualified project, economic development, infrastructure funding, small population areas, school employees, teachers, support personnel, support employees, public schools
OK
Keywords:
longevity pay, state employees, Oklahoma government, salary increase, emergency declaration, capital planning, funding allocation, state budget, infrastructure, emergency measures, income tax credit, qualified project, economic development, infrastructure funding, small population areas, school employees, teachers, support personnel, support employees, public schools
Summary:
The Senate Appropriations Committee met with a quorum and considered a series of bills, most of them receiving unanimous or near-unanimous support. Senate Bill 169 would increase the annual longevity payment award for state employees by 50% across all service years and passed 17-1. Senate Bill 1991, described as a cleanup bill for the Ocamp Fund, passed 19-0. Senate Bill 1992, which defines “strategic financing partner” under the SIDE Act for Department of Commerce projects, passed 20-0.
The committee also approved Senate Bill 1204, as amended, to provide Oklahoma teachers and school employees three days of bereavement leave after the death of a spouse or child, including a miscarriage; the amendment specified funding from the public school paid maternity leave revolving fund. Senate Bill 1339 passed to codify continued funding for off-the-formula schools and allow the State Department of Education to access funds to cover the 2023 teacher pay raise for those schools. Senate Bill 182 passed to allow certain CLEET-certified law enforcement officers and resident care specialists to join the OPERS hazardous duty retirement plan.
Additional measures approved included Senate Bill 1847, allowing certain Advantage Waiver Medicaid recipients diagnosed with cognitive impairment to remain in assisted living and age in place; Senate Bill 1360, creating a three-year pilot program placing math instructional teams in the lowest-performing districts; and Senate Bill 1346, as amended, directing the Oklahoma Water Resources Board to establish a water and wastewater infrastructure investment program after removing an appropriation section. Several questions focused on funding sources, eligibility, and population-based allocation formulas, but no bills were rejected. Senate Bills 1427 and 1566 were laid over to go directly to the floor with no fiscal impact, and the committee adjourned after announcing it would meet again the following Wednesday.
AZ
Transcript Highlights:
- Training Program and accept an applicant's existing military police training and experience toward AZ POST
- Training Program and accept an applicant's existing military police training and experience toward AZ POST
- Just in December, Ellen Nakashima from the Washington Post wrote an article titled, This One Gadget could
- Anytime we can benefit the health of our first responders, I think we can give it a big thumbs up.
- Anytime we can benefit the health of our first responders, I think we can give it a big thumbs up.
Keywords:
special plates, Arizona Space Commission, transportation, funding, space exploration, peace officer certification, police certification, law enforcement licensing, Arizona POST, peace officer standards and training, military police, veterans, honorably discharged, veteran hiring, abbreviated academy, law enforcement recruitment, public safety, community policing, background investigation, psychological fitness