Insurance and Real Estate Committee Bill Record Book 01/08/2013

     Section 3: (SENATE) RAISED COMM. & COMMITTEE

Bill#

Title

Public Hearing Date

Committee Action

File#

House Cal. #

Senate Cal. #

House Action

Senate Action

Governor's Action & Act #
RSB-12   AAC GUIDELINES FOR HEALTH INSURANCE COVERAGE FOR COLORECTAL CANCER SCREENING.

REPRESENTATIVE JOHNSON, 49TH DIST.
REPRESENTATIVE JOHNSON, 49TH DIST.
REPRESENTATIVE MORRIS, 140TH DIST.

et al  		 02-16   02-21 INS - Joint Favorable
 		 6 
 		 453 
 		 51 
 		 05-05 HOUSE PASSED, SEN. AMEND. SCH. A
05-05 
 		 04-26 SEN. ADOPTED SEN. AMEND. SCH. A
04-26 SEN. PASSED, SEN. AMEND. SCH. A
 		 05-31 SIGNED BY GOVERNOR
05-18 TRANSMITTED TO SECRETARY OF THE STATE
05-15 PA 12-61
 
sSB-13   AAC A STUDY OF TELEMEDICINE SERVICES.

REPRESENTATIVE RITTER, 38TH DIST.
REPRESENTATIVE RITTER, 38TH DIST.  		 02-16   04-18 PH - Joint Favorable
03-08 INS - Joint Favorable Substitute
 		 27 
 		 469 
 		 69 
 		   04-27 SENATE PASSED
04-11 REF. BY SEN. TO COMM. ON PH
 		  
RSB-14   AAC HEALTH INFORMATION TECHNOLOGY WEEK.
  		 02-16   04-16 GAE - Joint Favorable
02-21 INS - Joint Favorable
 		 7 
 		 454 
 		 52 
 		   04-26 SENATE PASSED
04-11 REF. BY SEN. TO COMM. ON GAE
 		  
RSB-15   AAC THE RESIDENTIAL PROPERTY CONDITION DISCLOSURE REPORT.
  		 02-14        
 		  
 		      
RSB-16   AA EXEMPTING NEW HOME BUILDERS' EMPLOYEES FROM REAL ESTATE LICENSING REQUIREMENTS.
  		 02-14        
 		  
 		      
RSB-17   AAC MILEAGE-BASED AUTOMOBILE INSURANCE POLICIES.
  		 02-16        
 		  
 		      
RSB-18   AA EXTENDING THE PERMISSIBLE AGE LIMIT FOR HEALTH INSURANCE COVERAGE OF INFERTILITY TREATMENT.
  		 02-14        
 		  
 		      
RSB-19   AAC HEALTH INSURANCE COVERAGE FOR THE TREATMENT OF HEAD LICE.
  		 02-14        
 		  
 		      
sSB-20   AAC A STUDY OF THE ASSESSMENT METHODOLOGY USED BY THE INSURANCE DEPARTMENT AND THE OFFICE OF THE HEALTHCARE ADVOCATE.

SENATOR HARTLEY, 15TH DIST.
SENATOR HARTLEY, 15TH DIST.
REPRESENTATIVE LESSER, 100TH DIST.

et al  		 02-14   02-21 INS - Joint Favorable Substitute
 		 8 
 		 314 
 		 53 
 		   04-11 SENATE PASSED
 		  
RSB-96   AA EXEMPTING MUNICIPALITIES FROM THE HEALTH INSURANCE PREMIUM TAX.
  		 02-21   03-01 INS - Change of Reference FIN
 		    
 		  
 		      
sSB-97   AAC GUIDELINES FOR HEALTH INSURANCE COVERAGE FOR BREAST MAGNETIC RESONANCE IMAGING.

SENATOR KELLY, 21ST DIST.
SENATOR KELLY, 21ST DIST.
REPRESENTATIVE JOHNSON, 49TH DIST.

et al  		 02-21   04-13 APP - Joint Favorable
02-28 INS - Joint Favorable Substitute
 		 17 
 		 492 
 		 59 
 		 05-09 HOUSE PASSED, SEN. AMEND. SCH. A
05-09 
 		 05-02 SEN. ADOPTED SEN. AMEND. SCH. A
05-02 SEN. PASSED, SEN. AMEND. SCH. A
04-11 REF. BY SEN. TO COMM. ON APP
 		 06-15 SIGNED BY GOVERNOR
05-31 TRANSMITTED TO SECRETARY OF THE STATE
05-29 PA 12-150
 
RSB-98   AAC DEDUCTIBLES FOR SCREENING COLONOSCOPIES AND SCREENING SIGMOIDOSCOPIES.

SENATOR FONFARA, 1ST DIST.
SENATOR FONFARA, 1ST DIST.
SENATOR CASSANO, 4TH DIST.

et al  		 02-21   04-13 APP - Joint Favorable
02-28 INS - Joint Favorable
 		 18 
 		 458 
 		 60 
 		 05-09 HOUSE PASSED, SEN. AMEND. SCH. A
05-09 
 		 04-26 SEN. ADOPTED SEN. AMEND. SCH. A
04-26 SEN. PASSED, SEN. AMEND. SCH. A
04-11 REF. BY SEN. TO COMM. ON APP
 		 06-15 SIGNED BY GOVERNOR
06-01 TRANSMITTED TO SECRETARY OF THE STATE
05-30 PA 12-190
 
RSB-202   AAC INSURANCE COVERAGE FOR HEARING AIDS.

SENATOR PRAGUE, 19TH DIST.
SENATOR OSTEN, 19TH DIST.  		 02-28        
 		  
 		      
RSB-203   AA REQUIRING PAYMENT FOR DIMINUTION OF VALUE UNDER AN AUTOMOBILE LIABILITY INSURANCE POLICY.
  		 02-28        
 		  
 		      
RSB-204   AAC THE STATE MEDICAL LOSS RATIO.
  		 03-01        
 		  
 		      
sSB-205   AAC INSURANCE COVERAGE FOR THE BIRTH-TO-THREE PROGRAM.

REPRESENTATIVE ROBLES, 6TH DIST.
REPRESENTATIVE VARGAS, 6TH DIST.
REPRESENTATIVE KIRKLEY-BEY, 5TH DIST.

et al  		 02-28   03-15 INS - Joint Favorable Substitute
 		 163 
 		 326 
 		 164 
 		 05-04 HOUSE PASSED
05-04 
 		 04-11 SENATE PASSED
 		 05-31 SIGNED BY GOVERNOR
05-18 TRANSMITTED TO SECRETARY OF THE STATE
05-11 PA 12-44
 
sSB-206   AAC A STUDY OF PEDIATRIC AUTOIMMUNE NEUROPSYCHIATRIC DISORDER ASSOCIATED WITH STREPTOCOCCAL INFECTIONS.

SENATOR GERRATANA, 6TH DIST.
SENATOR GERRATANA, 6TH DIST.
SENATOR KELLY, 21ST DIST.

et al  		 03-01   04-23 APP - Joint Favorable
04-11 PH - Joint Favorable
03-15 INS - Joint Favorable Substitute
 		 164 
 		 532 
 		 165 
 		   05-07 SENATE PASSED
04-18 REF. BY SEN. TO COMM. ON APP
04-10 REF. BY SEN. TO COMM. ON PH
 		  
sSB-318   AAC SINGLE LIMIT LIABILITY PASSENGER MOTOR VEHICLE INSURANCE POLICIES.
  		 03-08   03-13 INS - Joint Favorable
 		 113 
 		  
 		 108 
 		      
RSB-319   AA EXEMPTING CERTAIN INDIVIDUALS FROM CASUALTY ADJUSTER LICENSING REQUIREMENTS.
  		 03-08   03-13 INS - Joint Favorable
 		 127 
 		  
 		 123 
 		   04-26 REF. BY SEN. TO COMM. ON FIN
04-26 SEN. ADOPTED SEN. AMEND. SCH. A
 		  
RSB-408   AAC A TASK FORCE TO STUDY HEALTH CARE FOR UNINSURED CHILDREN.
  		 03-15   03-20 INS - Joint Favorable
 		 245 
 		 429 
 		 203 
 		   04-18 SEN. ADOPTED SEN. AMEND. SCH. A
04-18 SEN. PASSED, SEN. AMEND. SCH. A
 		  
sSB-409   AAC DISCLOSURES FOR UNIVERSAL LIFE INSURANCE POLICIES.
  		 03-13   03-20 INS - Joint Favorable Substitute
 		 246 
 		  
 		 204 
 		      
sSB-410   AAC ADVERSE DETERMINATION REVIEWS.

SENATOR LOONEY, 11TH DIST.
SENATOR LOONEY, 11TH DIST.
REPRESENTATIVE FLEISCHMANN, 18TH DIST.

et al  		 03-15   03-20 INS - Joint Favorable
 		 283 
 		 481 
 		 225 
 		 05-08 HOUSE PASSED, SEN. AMEND. SCH. A
05-08 
 		 04-27 SEN. ADOPTED SEN. AMEND. SCH. A
04-27 SEN. PASSED, SEN. AMEND. SCH. A
 		 06-08 SIGNED BY GOVERNOR
05-23 PA 12-102
 
sSB-411   AAC THE INSURANCE HOLDING COMPANY SYSTEM REGULATORY ACT.

SENATOR MUSTO, 22ND DIST.
SENATOR MUSTO, 22ND DIST.
SENATOR CRISCO, 17TH DIST.

et al  		 03-13   03-20 INS - Joint Favorable Substitute
 		 284 
 		 430 
 		 226 
 		 05-08 HOUSE PASSED, SEN. AMEND. SCH. A
05-08 
 		 04-18 SEN. ADOPTED SEN. AMEND. SCH. A
04-18 SEN. PASSED, SEN. AMEND. SCH. A
 		 06-04 SIGNED BY GOVERNOR
05-25 TRANSMITTED TO SECRETARY OF THE STATE
05-23 PA 12-103
 

     Section 4: (HOUSE) RAISED COMM. & COMMITTEE

Bill#

Title

Public Hearing Date

Committee Action

File#

House Cal. #

Senate Cal. #

House Action

Senate Action

Governor's Action & Act #
RHB-5009   AAC THE RATE APPROVAL PROCESS FOR CERTAIN HEALTH INSURANCE POLICIES.

SENATOR LOONEY, 11TH DIST.
SENATOR LOONEY, 11TH DIST.
REPRESENTATIVE WILLIS, 64TH DIST.

et al  		 02-16        
 		  
 		      
sHB-5010   AAC THE DISCLOSURE NOTICE FOR SURPLUS LINES INSURANCE POLICIES.
  		 02-14   02-21 INS - Joint Favorable Substitute
 		 3 
 		 44 
 		 361 
 		 04-17 HOUSE PASSED
 		    
sHB-5011   AAC THE LEGISLATIVE COMMISSIONERS' RECOMMENDATIONS FOR TECHNICAL AND MINOR CHANGES TO THE INSURANCE STATUTES.

SENATOR MUSTO, 22ND DIST.
SENATOR MUSTO, 22ND DIST.  		 02-16   02-21 INS - Joint Favorable Substitute
 		 1 
 		 45 
 		 362 
 		 04-17 HOUSE PASSED
 		 05-09 SENATE PASSED
 		 06-15 SIGNED BY GOVERNOR
05-31 TRANSMITTED TO SECRETARY OF THE STATE
05-29 PA 12-145
 
RHB-5012   AAC THE GUIDELINES ESTABLISHED BY THE AMERICAN UROLOGICAL ASSOCIATION AND THE TREATMENT OF PROSTATE CANCER.
  		 02-16        
 		  
 		      
sHB-5013   AAC THE BOARD MEMBERS AND EMPLOYEES OF THE CONNECTICUT HEALTH INSURANCE EXCHANGE.

REPRESENTATIVE WIDLITZ, 98TH DIST.
REPRESENTATIVE WIDLITZ, 98TH DIST.
REPRESENTATIVE GENGA, 10TH DIST.

et al  		 02-14   04-09 GAE - Joint Favorable
02-21 INS - Joint Favorable Substitute
 		 5 
594 
 		 46 
 		 431 
 		 04-25 HOUSE PASSED, HOUSE AMEND. SCH. A
04-04 REF. BY HOUSE TO COMMITTEE ON GAE
 		    
sHB-5140   AAC PAYMENT OF INSURANCE SETTLEMENT PROCEEDS TO AN INSURED BY A MORTGAGE HOLDER.
  		 02-21   04-03 BA - Joint Favorable Substitute
03-08 INS - Joint Favorable
 		 52 
438 
 		 73 
 		  
 		 03-28 REF. BY HOUSE TO COMMITTEE ON BA
 		    
RHB-5141   AAC DISCLOSURE OF SMOKE DETECTORS AND CARBON MONOXIDE DETECTORS ON THE RESIDENTIAL PROPERTY CONDITION DISCLOSURE REPORT.

REPRESENTATIVE FOX, 146TH DIST.
REPRESENTATIVE FOX, 146TH DIST.  		 02-21   02-28 INS - Joint Favorable
 		 20 
 		 59 
 		  
 		      
RHB-5142   AA REQUIRING THE INCLUSION OF PRIMARY CARE PROVIDERS ON HEALTH INSURANCE IDENTIFICATION CARDS.

REPRESENTATIVE ADINOLFI, 103RD DIST.
REPRESENTATIVE ADINOLFI, 103RD DIST.  		 02-21        
 		  
 		      
sHB-5143   AAC INSURANCE COVERAGE FOR PERISHABLE FOOD DONATED BY CERTAIN FOOD ESTABLISHMENTS.

REPRESENTATIVE BECKER, 19TH DIST.
REPRESENTATIVE BECKER, 19TH DIST.
SENATOR WITKOS, 8TH DIST.

et al  		 02-21   04-24 PH - Joint Favorable
04-10 JUD - Joint Favorable
03-15 INS - Joint Favorable Substitute
 		 173 
631 
 		 140 
 		 487 
 		 05-03 HOUSE PASSED, HOUSE AMEND. SCH. A
04-20 REF. BY HOUSE TO COMMITTEE ON PH
04-04 REF. BY HOUSE TO COMMITTEE ON JUD
 		 05-09 SEN. PASSED, HO. AMEND. SCH. A
 		 06-15 SIGNED BY GOVERNOR
05-31 TRANSMITTED TO SECRETARY OF THE STATE
05-29 PA 12-123
 
sHB-5226   AAC LIFE INSURANCE PREMIUM PAYMENT SCHEDULES FOR RETIREES.
  		 03-01   03-08 INS - Joint Favorable Substitute
 		 40 
 		 68 
 		  
 		      
RHB-5227   AAC THE CONFIDENTIALITY OF AUTOMOBILE LIABILITY INSURANCE UNDERWRITING GUIDELINES.
  		 02-28   03-15 INS - Joint Favorable
 		 176 
 		 143 
 		  
 		 04-04 REF. BY HOUSE TO COMMITTEE ON GAE
 		    
RHB-5228   AA REQUIRING DISCLOSURE TO INSUREDS OF THE PREVENTIVE SERVICES NOT SUBJECT TO COST-SHARING REQUIREMENTS PURSUANT TO THE PATIENT PROTECTION AND AFFORDABLE CARE ACT.
  		 03-01        
 		  
 		      
sHB-5229   AAC REPORTING AND FINANCIAL REQUIREMENTS OF CERTAIN ASSOCIATIONS.

REPRESENTATIVE ALDARONDO, 75TH DIST.
REPRESENTATIVE CUEVAS, 75TH DIST.
REPRESENTATIVE ESPOSITO, 116TH DIST.

et al  		 03-01   03-15 INS - Joint Favorable Substitute
 		 214 
605 
 		 182 
 		 452 
 		 04-30 HOUSE PASSED, HOUSE AMEND. SCH. A
 		    
sHB-5230   AAC VARIOUS CHANGES TO PROPERTY AND CASUALTY INSURANCE STATUTES.

REPRESENTATIVE ALBIS, 99TH DIST.
REPRESENTATIVE ALBIS, 99TH DIST.
REPRESENTATIVE STEINBERG, 136TH DIST.

et al  		 02-28   03-15 INS - Joint Favorable Substitute
 		 177 
564 
 		 144 
 		 396 
 		 04-18 HOUSE PASSED, HOUSE AMEND. SCH. A
 		 05-09 SEN. PASSED, HO. AMEND. SCH. A
 		 06-15 SIGNED BY GOVERNOR
05-31 TRANSMITTED TO SECRETARY OF THE STATE
05-30 PA 12-162
 
sHB-5231   AAC AUTOMOTIVE GLASS WORK.

SENATOR FONFARA, 1ST DIST.
SENATOR FONFARA, 1ST DIST.
REPRESENTATIVE SANCHEZ, 25TH DIST.

et al  		 02-28   03-13 INS - Joint Favorable Substitute
 		 97 
626 
 		 109 
 		 463 
 		 05-02 HOUSE PASSED, HOUSE AMEND. SCH. A
 		    
sHB-5386   AAC REVISIONS TO THE INSURANCE STATUTES.

REPRESENTATIVE ALDARONDO, 75TH DIST.
REPRESENTATIVE CUEVAS, 75TH DIST.  		 03-08   03-15 INS - Joint Favorable Substitute
 		 186 
557 
 		 153 
 		 397 
 		 04-18 HOUSE PASSED, HOUSE AMEND. SCH. A
 		    
RHB-5387   AAC HEALTH INSURANCE CLAIM FORMS AND THE DEVELOPMENT OF A UNIFORM TREATMENT AUTHORIZATION FORM FOR MENTAL HEALTH SERVICES.

SENATOR HARP, 10TH DIST.
SENATOR HARP, 10TH DIST.  		 03-08   04-11 PH - Joint Favorable
03-13 INS - Joint Favorable
 		 102 
 		 114 
 		  
 		 04-04 REF. BY HOUSE TO COMMITTEE ON PH
 		    
sHB-5484   AAC CREDIT ALLOWED A DOMESTIC CEDING INSURER FOR REINSURANCE.

REPRESENTATIVE ALDARONDO, 75TH DIST.
REPRESENTATIVE CUEVAS, 75TH DIST.
SENATOR MUSTO, 22ND DIST.

et al  		 03-13   03-20 INS - Joint Favorable Substitute
 		 260 
583 
 		 213 
 		 407 
 		 04-19 HOUSE PASSED, HOUSE AMEND. SCH. A
 		 05-09 SEN. PASSED, HO. AMEND. SCH. A
05-04 SENATE RECONSIDERED
05-03 SEN. PASSED, HO. AMEND. SCH. A
 		 06-04 SIGNED BY GOVERNOR
05-31 TRANSMITTED TO SECRETARY OF THE STATE
05-29 PA 12-139
 
RHB-5485   AAC THE CONNECTICUT HEALTH INSURANCE EXCHANGE.
  		 03-15        
 		  
 		      
RHB-5486   AAC HEALTH INSURANCE COVERAGE FOR PRESCRIPTION DRUGS AND BREAST THERMOGRAPHY.
  		 03-15        
 		  
 		      
sHB-5487   AAC THE RECOMMENDATIONS OF THE SMALL BUSINESS HEALTHCARE WORKING GROUP AND CLAIMS INFORMATION REQUIRED TO BE PROVIDED BY INSURERS.

REPRESENTATIVE RITTER, 38TH DIST.
REPRESENTATIVE RITTER, 38TH DIST.
REPRESENTATIVE ALBIS, 99TH DIST.

et al  		 03-13   04-20 FIN - Joint Favorable
03-29 APP - Joint Favorable
03-21 PD - Joint Favorable Change of Reference APP
03-15 INS - Joint Favorable Substitute Change of Reference PD
 		 414 
 		 331 
 		  
 		 04-18 REF. BY HOUSE TO COMMITTEE ON FIN
 		    

     Section 8: CHANGE OF REFERENCE, HOUSE

Bill#

Title

Public Hearing Date

Committee Action

File#

House Cal. #

Senate Cal. #

House Action

Senate Action

Governor's Action & Act #
sHB-5107   AAC CAPTIVE INSURANCE COMPANIES.

REPRESENTATIVE BERGER, 73RD DIST.
REPRESENTATIVE BERGER, 73RD DIST.
REPRESENTATIVE ALDARONDO, 75TH DIST.

et al  		 02-21   04-16 FIN - Joint Favorable
03-13 INS - Joint Favorable Substitute
03-01 CE - Joint Favorable Change of Reference INS
 		 96 
 		 108 
 		 421 
 		 04-19 HOUSE PASSED
04-10 REF. BY HOUSE TO COMMITTEE ON FIN
 		 05-02 SEN. ADOPTED SEN. AMEND. SCH. A
05-02 SEN. PASSED, SEN. AMEND. SCH. A
 		  
RHB-5178   AAC SYNCHRONIZING PRESCRIPTION REFILLS.

REPRESENTATIVE SCRIBNER, 107TH DIST.
REPRESENTATIVE SCRIBNER, 107TH DIST.
SENATOR KELLY, 21ST DIST.

et al  		 02-28   03-08 AGE - Joint Favorable Change of Reference INS
 		    
 		  
 		      
sHB-5391   AAC A LAW ENFORCEMENT AGENCY'S USE OF AN AUTOMATED LICENSE PLATE RECOGNITION SYSTEM.
  		 03-06   03-20 INS - Joint Favorable Substitute
03-13 PS - Change of Reference INS
 		 293 
 		 226 
 		  
 		      

     Section 9: REFERRED FROM THE SENATE FLOOR

Bill#

Title

Public Hearing Date

Committee Action

File#

House Cal. #

Senate Cal. #

House Action

Senate Action

Governor's Action & Act #
sSB-101   AAC UNINSURED MOTORIST COVERAGE FOR BODILY INJURY TO A NAMED INSURED OR RELATIVE DURING THE THEFT OF A MOTOR VEHICLE.

SENATOR LOONEY, 11TH DIST.
SENATOR LOONEY, 11TH DIST.  		 03-07   04-25 INS - Joint Favorable
03-28 JUD - Joint Favorable Substitute
 		 417 
 		 472 
 		 311 
 		   04-27 SENATE PASSED
04-24 REF. BY SEN. TO COMM. ON INS
 		  
RSB-183   AA ADDING MEMBERS TO THE JOINT ENFORCEMENT COMMISSION ON WORKER MISCLASSIFICATION.
  		 03-08   04-17 INS - Joint Favorable
03-15 LAB - Joint Favorable
 		 106 
 		  
 		 109 
 		   05-08 REF. BY SEN. TO COMM. ON JUD
05-08 SEN. ADOPTED SEN. AMEND. SCH. A
04-10 REF. BY SEN. TO COMM. ON INS
 		  
sSB-255   AAC REVISIONS TO STATUTES CONCERNING THE COMPTROLLER.
  		 03-12   04-17 INS - Joint Favorable
03-21 GAE - Joint Favorable Substitute
 		 273 
 		 549 
 		 222 
 		   05-09 SENATE PASSED
04-10 REF. BY SEN. TO COMM. ON INS
 		  
sSB-406   AA REQUIRING THE COMMISSIONER OF TRANSPORTATION TO WAIVE CERTAIN INSURANCE REQUIREMENTS FOR BEAUTIFICATION EFFORTS ON STATE PROPERTY ALONG A HIGHWAY.

SENATOR HARTLEY, 15TH DIST.
SENATOR HARTLEY, 15TH DIST.  		 03-16   04-26 TRA - MOTION FAILED JF
04-17 INS - Joint Favorable
03-19 PD - Joint Favorable Substitute
 		 244 
 		  
 		 207 
 		   04-24 REF. BY SEN. TO COMM. ON TRA
04-10 REF. BY SEN. TO COMM. ON INS
 		  

     Section 10: REFERRED FROM THE HOUSE FLOOR

Bill#

Title

Public Hearing Date

Committee Action

File#

House Cal. #

Senate Cal. #

House Action

Senate Action

Governor's Action & Act #
sHB-5087   AA REQUIRING THE COMMISSIONER OF CONSUMER PROTECTION TO MAKE CHANGES TO THE RESIDENTIAL PROPERTY CONDITION DISCLOSURE REPORT.

REPRESENTATIVE NICASTRO, 79TH DIST.
REPRESENTATIVE NICASTRO, 79TH DIST.
REPRESENTATIVE WOOD, 141ST DIST.

et al  		 03-06   04-11 INS - Joint Favorable
03-13 GL - Joint Favorable Substitute
 		 93 
579 
 		 105 
 		 403 
 		 04-19 HOUSE PASSED, HOUSE AMEND. SCH. A
04-04 REF. BY HOUSE TO COMMITTEE ON INS
 		 05-09 SEN. PASSED, HO. AMEND. SCH. A
 		 06-15 SIGNED BY GOVERNOR
05-31 TRANSMITTED TO SECRETARY OF THE STATE
05-29 PA 12-122
 
sHB-5417   AAC BROKER PRICE OPINIONS FOR MORTGAGE LOAN MODIFICATIONS.
  		 03-15   03-20 BA - Joint Favorable Substitute
 		 256 
 		 209 
 		  
 		 04-10 REF. BY HOUSE TO COMMITTEE ON INS