{"data":{"id":"us-ri/r.i.-gen.-laws-27-61-5","jurisdiction":"us-ri","citation":"R.I. Gen. Laws § 27-61-5","heading":"Justification of adverse insurance decisions.","body":"An insurer of an individual or group policy that takes an underwriting action that adversely affects a subject of abuse on the basis of a medical condition that the insurer knows is abuse-related shall explain the reason for its action to the applicant or insured in writing and shall be able to demonstrate that its action:\n(1) Does not treat abuse status as a medical condition;\n(2) Is permissible by law and applies in the same manner and to the same extent to all applicants and the insured with a similar medical condition without regard to whether the condition or claim is abuse-related; and\n(3) Is based on a determination, made in conformance with sound actuarial principles or related actual or reasonably anticipated experience, that there is a correlation between the medical condition and a material increase in insurance risk.","path":["Title 27 Insurance","Chapter 61 Unfair Discrimination Against Subjects of Abuse in Life Insurance Act"],"source_url":"https://webserver.rilegislature.gov/Statutes/TITLE27/27-61/27-61-5.htm","current_through":"site files published 2025-08-13","vintage":"","retrieved_at":"2026-09-05T19:57:44Z","sha256":"94a2e71724da88e1fe81014ca75456a3b2103942714a27f4e7eac8625dbd5d2c","source_id":"us-ri","stale":true,"prev":"us-ri/r.i.-gen.-laws-27-61-4","next":"us-ri/r.i.-gen.-laws-27-61-6"},"notice":"GroundRules: Original legal text. Not legal advice."}