Illinois Small Business Laws
illinois small business laws
Illinois Governor Signs Consumer Health Claims Review Bill
Illinois Governor Pat Quinn has signed a bill into law that ensures that all denied health insurance claims can be reviewed and decided upon by a qualified, independent doctor. The law goes into effect July 1.
Under current state law, only Illinois health insurance consumers who are enrolled in a health maintenance organization (HMO) have the right to an independent, external review when claims are denied. Effective July 1, House Bill 3923 extends the right to an independent review of a denied claim to all Illinois residents with health insurance coverage.
The new law will allow Illinois residents to submit their health insurance claim for an external review after it is denied by their insurer. The external review will be conducted by a qualified, independent doctor, who is selected by a nationally-accredited and Illinois Department of Insurance-approved Independent Review Organization. The external review is binding and must be completed within 20 business days. In certain urgent cases the review must be completed within 72 to 120 hours.Also under the new law, insurance providers that cover small businesses must accept a standard insurance application by Jan. 1, 2011. This law also applies to individuals who will now be able to use a standard health insurance application.
The standard application will be developed by a committee of consumers, small business owners, insurance agents and insurance company representatives. The committee will work with the Illinois Department of Insurance.
Additionally, House Bill 3923 requires health insurers operating in Illinois to provide the state with how much they receive in premiums and how much of those premiums are spent on paying claims and healthcare costs versus covering administration costs. The Department of Insurance will post this information online to ensure greater accountability among Illinois’ health insurance companies.
House Bill 3923 was sponsored by Rep. Greg Harris (D-Chicago) and Sen. Heather Steans (D-Chicago) and overwhelmingly passed the General Assembly.
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Is it required by law to be bonded and insured to run a house cleaning business?
I’m trying to gather some basic info in how to start a small business cleaning houses in illinois. Anything is appreciated
It not the law, but you want to atleast have liability insurance. Bonding is really to make the customer feel better. The only way the bond really works is if the employye who stole was convicted of it. I accidentally left marks on someone’s hardwood floor. Glad I had insurance because it would have cost me $2500. I paid the $250 deductable…that’s it. I pay about $100 per month for the insurance. It is well worth it.
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Starting and Operating a Business in Illinois (Starting and Operating a Business in the U.S.) $9.99 Starting and Operating a Business in Illinois (2012 Edition) is the most complete tax and legal guidebook in existence for Illinois small businesses. The author, a retired attorney and CPA and a Harvard Law graduate, provides you with a detailed but easy to read Explanation of the tax and legal “ground rules” you need to know to navigate successfully through the complex maze of federal and Illinoi… |
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The Big Instruction Book of Small Business: Illinois Edition $38.95 No Synopsis Available |
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