The Insurance Consumer Advocate represents the public in a wide range of public forums that include: health care panels, public hearings, rate filings, National Association of Insurance Commissioners (NAIC) Working Groups, and statutorily appointed boards or task forces as identified below: (Dates of meetings and sub-committees are scheduled weekly, monthly, quarterly, and annually.)
Subscriber Assistance Panel (SAP) — The Subscriber Assistance Panel (SAP) is a statutory body administered by the Agency for Health Care Administration (AHCA) to informally hear and recommend findings in matters of dispute between an HMO subscriber and his/her HMO health plan. The SAP is created in section 408.7056, Florida Statutes.
Florida Workers’ Compensation Joint Underwriting Association (FWCJUA) — Created in section 627.311(4), Florida Statutes, the FWCJUA provides workers’ compensation and employers’ liability insurance to applicants who are required by law to maintain workers’ compensation and employers’ liability insurance but who are unable to purchase this insurance through the admitted voluntary market.
Florida Surplus Lines Service Office (FSLSO) — Created in section 626.921, Florida Statutes, the FSLSO is a self-regulating organization whose purpose is promoting a stable, efficient and financially strong surplus lines insurance market in Florida.
Florida Commission on Hurricane Loss Projection Methodology (FCHLPM) — Created in section 627.0628, Florida Statutes, the FCHLPM is a board of experts who provide the most actuarially sophisticated guidelines and standards for the projection of hurricane losses.
Florida Workers’ Compensation Insurance Guaranty Association (FWCIGA) — Created in section 631.911, Florida Statutes, the FWCIGA provides a source of funds for insureds whose insurance companies become insolvent.
Florida Workers’ Compensation Appeals Board (Appeals Board) — Created in section 627.291(2), Florida Statutes, the Appeals Board provides individuals an independent review of the employers’ classification code assigned to them by an insurance company for the purpose of establishing their workers’ compensation rate.