• Summary
• Statutes & Regulations
• Bulletins & Positions
• Procedural Guidelines [pdf]
• SERFF LAH Filing Set Up Tutorial [pdf]
• Product Line Table [pdf]
• Filing Type Table [pdf]
• Actuarial Exhibits, Forms and Checklists
• NEW ACA Uniform Compliance Summary
• NEW Certification of New ACA Policy Forms
• NEW Certification of ACA Amendments to Policy  

Summary

The following instructions and checklists are intended to be used as a tool by the insurer to properly prepare and submit filings to the South Carolina Department of Insurance.  Please know that improper and/or incomplete filings will result in a rejection or disapproval of the filing.

 All rate, rule and/or form filings must be submitted via the State Electronic Rate Form Filing system (SERFF).  For more information on SERFF, please call 816-783-8787 or e-mail  serffmktg@naic.org.  Additional information is also available by visiting www.serff.com.

Filings must be submitted by insurer and by line of business. 

The South Carolina Department of Insurance will review filings for compliance; however it remains the responsibility of the insurer to adhere to all applicable federal and State of South Carolina insurance laws, regulations and policies.

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Statutes and Regulations

• Title 38: Insurance Statutes
• Insurance Regulations 

Highlights

• Definitions
  SC Code Section 38-1-20
• Credit Accident and Health
  SC Code Section 37-4-203
• Credit Life
  SC Code Section 37-4-203
• Health Maintenance Organizations
  SC Code Section 38, Chapter 33
  Regulation 69-22
• Insurance Contract Generally
  SC Code Section 38, Chapter 63
  Regulation 69-12.1
  Regulation 69-30
• Group Life Insurance
  SC Code Section 38, Chapter 65
  Regulation 69-12.1
  Regulation 69-40
• Accident and Health
  SC Code Section 38, Chapter 71
  Regulation 69-17
  Regulation 69-34
  Regulation 69-43
• Long Term Care Insurance Act
  SC Code Section 38, Chapter 72
  Regulation 69-44
• Medicare Supplement
  SC Code Section 38
  Regulation 69-46

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 Bulletins and Positions

• Link to the complete list of SCDOI Bulletins

Highlights for Bulletins

• Bulletin 8-84 SCDOI 1504 Form
• Bulletin 89-1 Group policies issued outside of this state which extend coverage to residents of this state
• Bulletin 2003-13 List of "Exempt" Policy Forms, Filing Procedures for "Exempt" and "Prior Approval" Forms and Rate Filings, Establishing Audit Procedures and Withdrawal of Bulletin 93-2
• Bulletin 2006-08 Service and Administrative Fees
• Bulletin 2007-11 Service and Administrative Fees
• Bulletin 2009-22 Retaliatory Fees
• Bulletin 2011-09 Mandatory Use of SERFF for all Insurance Rate, Rule and Form Filings
• Bulletin 2011-11 New Rate Filing Procedures to Comply with 45 C.F.R. Part 154 as Promulgated by the Center for Consumer Information and Insurance Oversight and Centers for Medicare & Medicaid Services (CMS) of the United States Department of Health and Human Services  (HHS) as amended by CMS on September 6, 2011

Highlights for Positions                                                                                                               

• Enrollment Forms are required for all group policy filings.
   
• SCDOI 1504 Form is required for all individual filings and group rate filings.
   
• This Department takes exception to wording which indicates that the statements of the applicant are other than representations.  Hence, the word “certify” must be used.
   

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Actuarial Exhibits, Forms and Checklists

Checklist

• Accident and Health Checklist
• Annuity Checklist 
• Life Filing Checklist 
• Life, Accident and Health Type of Insurance Matrix