NAC686A.140. Prohibited practices.

Practices prohibited by NAC 686A.110 to 686A.150, inclusive, include, but are not limited to:

     1. Denying coverage to women who are gainfully employed at home, part-time or by relatives when coverage is offered to men who are similarly employed.

     2. Denying policy riders to women when the riders are available to men.

     3. Denying maternity coverage to an unmarried woman who is seeking to purchase an individual contract when comparable coverage is available to a married woman.

     4. Denying dependent coverage under a group contract to husbands of female employees when dependent coverage is available to wives of male employees.

     5. Denying disability income contracts to employed women when coverage is offered to men who are similarly employed.

     6. Treating complications of pregnancy differently from any other illness or sickness under the contract.

     7. Restricting, reducing, modifying or excluding benefits relating to coverage involving the genital organs of only one sex when the restriction, reduction, modification or exclusion is not required for both sexes.

     8. Offering lower maximum monthly benefits under a disability income contract to women than to men who are in the same classification.

     9. Offering more restrictive benefit periods and more restrictive definitions of disability under a disability income contract to women than to men who are in the same classification.

     10. Establishing different conditions under which policyholders of different sexes may exercise benefit options contained in the contract.

     11. Limiting the amount of coverage available for purchase based upon marital status, unless the limitation is for the purpose of defining persons eligible for dependent benefits.

     12. Denying equal consideration for coverage for either spouse because of a change in marital status, including denying an individual policy to a woman who is no longer eligible under her husband’s policy when the husband is allowed to continue the existing policy.

     [Comm’r of Insurance, M-7 part § 5, eff. 9-11-77]