Insurance & Commerce - Senate

All right chair sees a quorum. Senator hammer you are you ready. Why was keeping day will go to Murdock. Murdock read my brother. All right members yes you've got a quiet now we got work to do. Represent Murdock you're recognized to a two yard. Good evening Committee a representative referred Reginald Murdock I'm here to what house bill eighteen fifty seven and house bill eighteen oh one. You're on fifteen fifty seven now fifteen fifty seven yes Sir go right ahead okay serviceable bill committee that it it's a publication bill really we had the storm here a few weeks ago the snow storm we had some energy consumption of situations that came up and the we had to will consume some energy across some flowers in various areas for instance for safety and energy consumption reasons there was some areas that were not aware did not have necessarily the the ability the capacity to the ticket altercation or understand what to do specifically are elderly and or are disabled some are more vulnerable in the community what is this what we would do our work in conjunction with energy on this is it will simply give notification two of the local authorities to states people like myself for yourself as well as our mayors and county judges say Hey this may be coming down the pike now we see in that we may have to do something we will let you guys know what may be coming so that we can identify those that we know what our communities that are most vulnerable to try to help me to get a warming centers or if it's in the summertime to cooling centers whatever we can do so as more but notification the communication and again yes it does all this really do all right are there any questions. I have a motion and second is there anybody in the audience was speak for against. Seeing none. All those in favor of passage of house bill fifteen fifty seven. Okay I have opposed ayes have it good morning Mister Murdock you got one more yes Sir constitutional one this one is a billable to be by constituents and it's of and again work with the Arkansas insurance department on this and some others it's simply a you know it death most of us are used to upon death this life insurance presented a policy presented and that befits year is listed that beneficiaries to pay heed generally well there is some all okay so all of that allows for a challenge to that the wheel with this simply does it say it's part of the contract which is the life insurance policy in whoever is named as the beneficiary that the wheel could not overtake that source in again it sure is department said we want a few states that is still in place we practice it in the manner of beneficiary name benefits you're getting benefits but there's something that could happen so we want to make sure we put this in the law. All right are there any questions. Senate you're recognized. Murdock said in order for the monarch in a case like say something happens to the beneficiary and at the border because the person that's got that start the policy if it happens to of somethings to them simultaneously then when that revert to the wheel to the probate process for to be settled where the money goes when I don't know that all of this simply does is make sure that that contract which is the benefit which is the life insurance policy as president now what is the succession I don't know do you have somebody for insurance department not of you know that you don't need them. Three an insurance department so that we have on that by me again I was just asking if something happens to the insured person and the beneficiary simultaneously as that is a fact state that issues settle them through a probate of the will process it would go to the will process okay all right okay thank you. Mr Mr vote do agree with that. I just hang on and I'll get you just come on up come on up. You're recognized Chester yard you're recognized by your going with farm bureau most all cases we list what we call a contingent beneficiary so if the primary beneficiary is maybe a car accident same time then it will go to the contingent beneficiary and you can last more than one maybe have three children you want to list all three of Michael shares or whatever then it can go to the contention not less my spouse she in the accident with me then I miss my children in equal shares now if you had one those catastrophic cases yes it could end up with the estate in the end you know but most people don't have a wheel that's the problem most people don't have a will. All right thank you very much Senator Hickey you have a question probably for the insurance department. No matter where you go to vote there in Sant Mr bone I'm I'm I think this is exactly what is saying but. Even if even if in the wheel it specifically names the policy itself number and all are we say in the end that is still going to be controlled by the insurance policy contract and it's going to workforce are trying to for the majority of states in respect to this so. And again I this is just going to start as of the date of this act goes in there's nothing retro active about this whatsoever as far as I know that there's no emergency clause. There's no emergency clause on it I didn't see anything that would. Thank you thank you senator Hickey Senator Hammer. Thank Fisher and you maybe addresses not just Mr what happens if everybody that is on the insurance policy. Does a one time before there are no beneficiaries listed on the policy there left alive go to the state it's going to probation yes program probate thank you thank you. Any other questions and I apologize to farm bureau people from a smart aleck I certainly meant no harm will not much So any other questions anybody else will speak for against I have a motion. You're recognized I'm sorry but this. So there's really two parts of this bill is the first part and then the stock of the but whatever the under twenty eight twenty five one eleven that's a totally different. Is that correct that that looks like language if we're adding that just to. Where where we exactly what adding that particular language again right there I have not looked at that section Sir so you look at what I'm saying. I understand what we said on the first but it's almost like the second. Thank you. So section received. Attest to what we're set to test the mayor yes Sir. This image into a little. Again I think it's trying to make clear the is trying to be it's trying to make. the test state law conform to this particular law. What did not already. Well apparently. I mean it's trying to make consistent twenty eight twenty five one eleven with twenty three eighty one one thirty seven. That's all I get. Thank you anybody else. Five a motion. I have a motion the second from Senator Elliot motions centered Ingram second any discussion. All those in favor aye opposed guys have it. Thank you Jay thank you committee thank you. Senator Leding. What Senator Hammer sakit will get you right thank you guys. Thank you. Senator Leding which what are you doing six six four six six four if there's anyone here alarmed by the other two bills of mine on the agenda those are not running today Senate bill six six four you're recognized Senator Leding thank you Mr chairman try to be very brief just a few weeks ago action couple months ago I guess the by now we passed a bill dealing with extending coverage for a diagnostic breast exams thank you passed unanimously out of both chambers right as we get to the very end of that legislation there were some concerns potential concerns raised about health savings accounts but our initial feedback and interest apartment was there wasn't going to be an issue so we went ahead moved forward pass that bill in the law turns that upon further review there are potentially some issues with health savings accounts related that legislation My understanding is that the interest permit could have issued some guidance in that regard but we want to make sure I felt an obligation to to make sure that we fix this with legislation so that's what the first section of six four does yes I have these two amendments appear you're not gonna put them on what you need to is that right well rabbit I'm getting to that was section to look at so since we were having to go back to address the H. as a issue I was approached about adding just a little bit more language to cover just one more of diagnostic screening method for breast cancer that's want to catch it earlier we want to save expenses down the road and save lives so we initially were going to add biological laboratory testing we found out that language is a little too broad for innocent people so we did have some more narrowed language drafted that would be one of the minutes that we have here it would replace biological laboratory testing with non genetic clinical laboratory testing using biological fluid and if anybody knows what that means would love to know but it turns out that language still is a little bit too broad though preferable so um. We have a another member that would simply scratch the entire sections a section to and we would only address the health savings accounts so which one you want to put out. Well it. I would prefer to be able to add these other methods but I realize we don't we have been able to come to an agreement they're not on a cause grief so unless the committee felt compelled. To move forward as is I would be willing to introduce the amendment that would just scratch section to. All right for your wisdom galloping around here longer than I have. I thank you. He said around here longer it is possible that. I agree with that. Jerry you have a question yes please so what's the issue the the people with whom you have not been able to work things out I guess I mean what is their issue so that we need something to lead all right to make your decision. There's the noon the technology is being developed that would allow people at home to test for brisket breast cancer using newspaper strips that they would then put their tears on the be able to send that off so it's a very low cost effective ways to detect breast cancer but with the language that we have so far we're free that might include more than we are willing to cover at this time and we have been able to come up with language that both sides can agree on is that because it's not genetic clinical laboratory testing could end up including something other than what you were mentioning here that be Mike yes okay understood so how about we just scratch section I'm I'm I think I'm. yeah all right so I do think that we have a motion to add yes Amendment. Amendment one. What to the document. That delete section two in its entirety it delete section two in its entirety okay. I have a motion and a second to do that. The one to delete section two in its entirety so Senator Hickey I have a motion Senator Elliot I have. Okay all those in favor I. Those guys have it. By Senator Leding you done explaining your bill and we do have some people here who can speak to HSA issue if the committee has questions about that but I know it's been a long day all right I have a motion. I have a motion do pass Abbas what is amended Senator Hickey an answer and it's a second any discussion on the motion all those in favor I oppose ayes have it thank you for Senator Leding. Senator Hammer. Senator lawmaker up I mean represent alignment you're up. Thank you Mr he's rude he's presenting House Bill one eight zero five one eight zero five and I believe there's amend an amendment there is an amendment. Members Mr why because the amendment to his bill. Without. Senator Ingram moved option. Senator. It may be second I'll take a minute look at the amendment. Max. She gone. Hi Senator Waunakee recognized representative welcome sorry so just to be clear I'm speaking on the amendment at the moment it was the void doctor the okay so the whole thing okay then then I'll move straight to the body the bill it's a super simple bill basically it says that a real property owner has the right to repair his own property. And the amendment that you guys just adopted was language came from all I think the City of Little Rock that they kind of clarified some some questions that we ask you to that it been asked in the process thus far and of it just clarified it and put it in open so I'm great with this amendment and I would be happy to take any questions and if the it's OK with the chair representing the group who is a licensed heat and air contractor and also license lecture shins and also owns rental property so he has a very unique perspectives he's here to answer any questions should the committee have anything technical like involving safety maybe Senator Ingram you're recognized of representative will not give me an example of how a property owner would be denied the right to repair his own property one example those brought to me and in discussions on other bills this session was a landlord has a one I think one of the examples a ceiling fan that had gone out and in their municipality they had an ordinance that you had to have a licensed electrician make that repair. And another example was along those same lines of all in the last weeks it gone but you know I could literally a dollar ninety five cent part and they were trying to force the landlord to hire a licensed electrician to make that two dollar repair which is going to cost him eighty five dollars plus parts plus whatever so that that's kind of how this was born. Okay I. I'm just dying to ask how they would find out that it you know so the the city would find out that's what I believe hello I can I can tell you from personal experience not with electric shins but with the with plumbing issues is is a licensed plumber drives by and sees somebody working on a property like maybe this is a piece of pop in the back of the truck or a. Being or a box ceiling fans are liable to something you know anything that would involve their industry and so then they'll call the CD and go Hey you need to go over and check this out that that's what's currently happening. Thank you thank you senator Senator Hammer. Thank you share a scenario I'm in Little Rock I've got a house it's my house I want to work on it and I want to do whatever I want to do to that house do I I still need to comply with the codes of Little Rock but this would allow me is the owner of the house to do the work myself is that correct short of it yes Sir motion property. Any other questions Senator somebody wants to speak on this one. Though. Senator Rapert you're recognized and so but what this is This amendment that you made to to the representative will not. In this case the city inspectors could come in and see if you have done it right yes ma'am for safety and all that yes ma'am it it it basically makes it explicit a law that has to be up to the safety codes. Thank. Thank you senator a senator Hammer one short would you say yes Sir you're recognized thank you with this by passage of this law would that also as far as the liability in the event I'm not a licensed electricians Google it I think I know how to do it I do it. I'm not doing under building code because I don't I don't have to get a building permit in my am I going to. Run into problems with my insurance company saying well you didn't hire somebody license to do this and the house burned down so it's on you well I talked to the insurance companies about that and they tell me the truth was everybody that has a policy is on the hook anyway is pretty much sensor was given so they said that while if that is true that you have been on a hook anyway okay thank you. Any questions. We have a motion. I have a motion to pass from Senator Hammer I have a second. Second from Senator Hickey. Anybody any discussion all those in favor I. Oppose the ayes have it. Thank you Senate committee I appreciate it. Senator Hammer which bills you run. I want run one run eight till five but the person who could help present this not in the room but I think Senator Hickey knows how to with the bills about how to do it. And we need I've got an amendment there's an amendment to go watch a bill number what you're going to run. I'm not eighteen oh five I'm sorry the. Sixteen forty two. And there is there is a amendment that goes with it that. No he never did anything. For the proper time I make a motion to accept the amendment. Did you make a motion I did get a motion from Senator Hammer second from Senator Ingram you're authorized to explain the bill as amended as house bill sixteen forty two do we need to vote on the amendment it took about all those in favor I. Opposed to have it I don't think it created you with that thought chairman not at that office. Your. Thank you I have Senator Hickey president will form if that's okay with the chair. If you if you all remember this is the bill that the by Senator Irvin presented today and we and she pulled the thing down so that we could get to some clarification on the Housing Authority we also wanted to make sure that the Noncustodial parent so that's probably the wrong word it was the. You for a. If the primary. If the primary person within the home that they were that they were not going to be affected by this bill and so they changed all that to make sure that we have clarification of it so it all looks looks correct. That moved to pass a proper time. Okay any questions. Seeing no questions anybody in the audience. Jane Barker will be quick. You're recognized I'm Barbara Williams DFA office of child support enforcement I we have not had an opportunity to review this amendment is that at all possible for us to do we didn't have any concerns with the original bill will take a minute just give me. My permitted to ask a question sure your. From what I'm reading this is still it's intended and to require the non custodial parent to cooperate but there is there still a custodial parent cooperation requirement. That that that senator eighty you're recognized if I if I remember correctly yes but it's only as it relates to like you for a. They they come over to Assam you know some questions or whatever nature to Dorner face was one example that was given so I believe the custodial parent would still have to. Comply with that but as far as making sure that the That the other party that was supposed to be paying them was not behind on their child support that's what we were trying to make sure that no one ever interpreted it that way. That makes sense not just say it doesn't. I believe so you. Yes. That. What we would have any problems with it thank you. All. No Sir thank you thank you very much. Okay anybody else. He Kerry finished. I didn't hear it okay Senator Elliot makes a move do pass. As amended I have a second. Hello you're the okay thank you. A good enough all those in favor I suppose you guys have it. And you all done to mix excellent work today thank you.