LCO No. 1241 1 of 14 General Assembly Raised Bill No. 5255 February Session, 2020 LCO No. 1241 Referred to Committee on INSURANCE AND REAL ESTATE Introduced by: (INS) AN ACT CONCERNING LI VING ORGAN DONOR INS URANCE DISCRIMINATION. Be it enacted by the Senate and House of Representatives in General Assembly convened: Section 1. Section 38a-1 of the general statutes is repealed and the 1 following is substituted in lieu thereof (Effective January 1, 2021): 2 Terms used in this title and section 2 of this act, unless it appears from 3 the context to the contrary, shall have a scope and meaning as set forth 4 in this section. 5 (1) "Affiliate" or "affiliated" means a person that directly, or indirectly 6 through one or more intermediaries, controls, is controlled by or is 7 under common control with another person. 8 (2) "Alien insurer" means any insurer that has been chartered by or 9 organized or constituted within or under the laws of any jurisdiction or 10 country without the United States. 11 (3) "Annuities" means all agreements to make periodical payments 12 where the making or continuance of all or some of the series of the 13 Raised Bill No. 5255 LCO No. 1241 2 of 14 payments, or the amount of the payment, is dependent upon the 14 continuance of human life or is for a specified term of years. This 15 definition does not apply to payments made under a policy of life 16 insurance. 17 (4) "Commissioner" means the Insurance Commissioner. 18 (5) "Control", "controlled by" or "under common control with" means 19 the possession, direct or indirect, of the power to direct or cause the 20 direction of the management and policies of a person, whether through 21 the ownership of voting securities, by contract other than a commercial 22 contract for goods or nonmanagement services, or otherwise, unless the 23 power is the result of an official position with the person. 24 (6) "Domestic insurer" means any insurer that has been chartered by, 25 incorporated, organized or constituted within or under the laws of this 26 state. 27 (7) "Domestic surplus lines insurer" means any domestic insurer that 28 has been authorized by the commissioner to write surplus lines 29 insurance. 30 (8) "Foreign country" means any jurisdiction not in any state, district 31 or territory of the United States. 32 (9) "Foreign insurer" means any insurer that has been chartered by or 33 organized or constituted within or under the laws of another state or a 34 territory of the United States. 35 (10) "Insolvency" or "insolvent" means, for any insurer, that it is 36 unable to pay its obligations when they are due, or when its admitted 37 assets do not exceed its liabilities plus the greater of: (A) Capital and 38 surplus required by law for its organization and continued operation; 39 or (B) the total par or stated value of its authorized and issued capital 40 stock. For purposes of this subdivision "liabilities" shall include but not 41 be limited to reserves required by statute or by regulations adopted by 42 the commissioner in accordance with the provisions of chapter 54 or 43 Raised Bill No. 5255 LCO No. 1241 3 of 14 specific requirements imposed by the commissioner upon a subject 44 company at the time of admission or subsequent thereto. 45 (11) "Insurance" means any agreement to pay a sum of money, 46 provide services or any other thing of value on the happening of a 47 particular event or contingency or to provide indemnity for loss in 48 respect to a specified subject by specified perils in return for a 49 consideration. In any contract of insurance, an insured shall have an 50 interest which is subject to a risk of loss through destruction or 51 impairment of that interest, which risk is assumed by the insurer and 52 such assumption shall be part of a general scheme to distribute losses 53 among a large group of persons bearing similar risks in return for a 54 ratable contribution or other consideration. 55 (12) "Insurer" or "insurance company" includes any person or 56 combination of persons doing any kind or form of insurance business 57 other than a fraternal benefit society, and shall include a receiver of any 58 insurer when the context reasonably permits. 59 (13) "Insured" means a person to whom or for whose benefit an 60 insurer makes a promise in an insurance policy. The term includes 61 policyholders, subscribers, members and beneficiaries. This definition 62 applies only to the provisions of this title and does not define the 63 meaning of this word as used in insurance policies or certificates. 64 (14) "Life insurance" means insurance on human lives and insurances 65 pertaining to or connected with human life. The business of life 66 insurance includes granting endowment benefits, granting additional 67 benefits in the event of death by accident or accidental means, granting 68 additional benefits in the event of the total and permanent disability of 69 the insured, and providing optional methods of settlement of proceeds. 70 Life insurance includes burial contracts to the extent provided by 71 section 38a-464. 72 (15) "Mutual insurer" means any insurer without capital stock, the 73 managing directors or officers of which are elected by its members. 74 Raised Bill No. 5255 LCO No. 1241 4 of 14 (16) "Person" means an individual, a corporation, a partnership, a 75 limited liability company, an association, a joint stock company, a 76 business trust, an unincorporated organization or other legal entity. 77 (17) "Policy" means any document, including attached endorsements 78 and riders, purporting to be an enforceable contract, which 79 memorializes in writing some or all of the terms of an insurance 80 contract. 81 (18) "State" means any state, district, or territory of the United States. 82 (19) "Subsidiary" of a specified person means an affiliate controlled 83 by the person directly, or indirectly through one or more intermediaries. 84 (20) "Unauthorized insurer" or "nonadmitted insurer" means an 85 insurer that has not been granted a certificate of authority by the 86 commissioner to transact the business of insurance in this state or an 87 insurer transacting business not authorized by a valid certificate. 88 (21) "United States" means the United States of America, its territories 89 and possessions, the Commonwealth of Puerto Rico and the District of 90 Columbia. 91 Sec. 2. (NEW) (Effective January 1, 2021) (a) No insurer delivering, 92 issuing for delivery, renewing, amending or continuing a life insurance 93 policy, long-term care insurance policy or a policy providing disability 94 income protection coverage in this state on or after January 1, 2021, shall 95 make any distinction or discriminate against an individual in delivering, 96 issuing for delivery, renewing, amending, continuing, offering, 97 withholding or cancelling such policy, or in the terms of such policy, 98 solely because such individual is a living organ donor. 99 (b) Any violation of this section shall be deemed an unfair method of 100 competition and unfair and deceptive act or practice in the business of 101 insurance under section 38a-816 of the general statutes, as amended by 102 this act. 103 Sec. 3. Section 38a-816 of the 2020 supplement to the general statutes 104 Raised Bill No. 5255 LCO No. 1241 5 of 14 is repealed and the following is substituted in lieu thereof (Effective 105 January 1, 2021): 106 The following are defined as unfair methods of competition and 107 unfair and deceptive acts or practices in the business of insurance: 108 (1) Misrepresentations and false advertising of insurance policies. 109 Making, issuing or circulating, or causing to be made, issued or 110 circulated, any estimate, illustration, circular or statement, sales 111 presentation, omission or comparison which: (A) Misrepresents the 112 benefits, advantages, conditions or terms of any insurance policy; (B) 113 misrepresents the dividends or share of the surplus to be received, on 114 any insurance policy; (C) makes any false or misleading statements as 115 to the dividends or share of surplus previously paid on any insurance 116 policy; (D) is misleading or is a misrepresentation as to the financial 117 condition of any person, or as to the legal reserve system upon which 118 any life insurer operates; (E) uses any name or title of any insurance 119 policy or class of insurance policies misrepresenting the true nature 120 thereof; (F) is a misrepresentation, including, but not limited to, an 121 intentional misquote of a premium rate, for the purpose of inducing or 122 tending to induce to the purchase, lapse, forfeiture, exchange, 123 conversion or surrender of any insurance policy; (G) is a 124 misrepresentation for the purpose of effecting a pledge or assignment of 125 or effecting a loan against any insurance policy; or (H) misrepresents 126 any insurance policy as being shares of stock. 127 (2) False information and advertising generally. Making, publishing, 128 disseminating, circulating or placing before the public, or causing, 129 directly or indirectly, to be made, published, disseminated, circulated or 130 placed before the public, in a newspaper, magazine or other publication, 131 or in the form of a notice, circular, pamphlet, letter or poster, or over any 132 radio or television station, or in any other way, an advertisement, 133 announcement or statement containing any assertion, representation or 134 statement with respect to the business of insurance or with respect to 135 any person in the conduct of his insurance business, which is untrue, 136 deceptive or misleading. 137 Raised Bill No. 5255 LCO No. 1241 6 of 14 (3) Defamation. Making, publishing, disseminating or circulating, 138 directly or indirectly, or aiding, abetting or encouraging the making, 139 publishing, disseminating or circulating of, any oral or written 140 statement or any pamphlet, circular, article or literature which is false 141 or maliciously critical of or derogatory to the financial condition of an 142 insurer, and which is calculated to injure any person engaged in the 143 business of insurance. 144 (4) Boycott, coercion and intimidation. Entering into any agreement 145 to commit, or by any concerted action committing, any act of boycott, 146 coercion or intimidation resulting in or tending to result in unreasonable 147 restraint of, or monopoly in, the business of insurance. 148 (5) False financial statements. Filing with any supervisory or other 149 public official, or making, publishing, disseminating, circulating or 150 delivering to any person, or placing before the public, or causing, 151 directly or indirectly, to be made, published, disseminated, circulated or 152 delivered to any person, or placed before the public, any false statement 153 of financial condition of an insurer with intent to deceive; or making any 154 false entry in any book, report or statement of any insurer with intent to 155 deceive any agent or examiner lawfully appointed to examine into its 156 condition or into any of its affairs, or any public official to whom such 157 insurer is required by law to report, or who has authority by law to 158 examine into its condition or into any of its affairs, or, with like intent, 159 wilfully omitting to make a true entry of any material fact pertaining to 160 the business of such insurer in any book, report or statement of such 161 insurer. 162 (6) Unfair claim settlement practices. Committing or performing with 163 such frequency as to indicate a general business practice any of the 164 following: (A) Misrepresenting pertinent facts or insurance policy 165 provisions relating to coverages at issue; (B) failing to acknowledge and 166 act with reasonable promptness upon communications with respect to 167 claims arising under insurance policies; (C) failing to adopt and 168 implement reasonable standards for the prompt investigation of claims 169 arising under insurance policies; (D) refusing to pay claims without 170 Raised Bill No. 5255 LCO No. 1241 7 of 14 conducting a reasonable investigation based upon all available 171 information; (E) failing to affirm or deny coverage of claims within a 172 reasonable time after proof of loss statements have been completed; (F) 173 not attempting in good faith to effectuate prompt, fair and equitable 174 settlements of claims in which liability has become reasonably clear; (G) 175 compelling insureds to institute litigation to recover amounts due under 176 an insurance policy by offering substantially less than the amounts 177 ultimately recovered in actions brought by such insureds; (H) 178 attempting to settle a claim for less than the amount to which a 179 reasonable man would have believed he was entitled by reference to 180 written or printed advertising material accompanying or made part of 181 an application; (I) attempting to settle claims on the basis of an 182 application which was altered without notice to, or knowledge or 183 consent of the insured; (J) making claims payments to insureds or 184 beneficiaries not accompanied by statements setting forth the coverage 185 under which the payments are being made; (K) making known to 186 insureds or claimants a policy of appealing from arbitration awards in 187 favor of insureds or claimants for the purpose of compelling them to 188 accept settlements or compromises less than the amount awarded in 189 arbitration; (L) delaying the investigation or payment of claims by 190 requiring an insured, claimant, or the physician of either to submit a 191 preliminary claim report and then requiring the subsequent submission 192 of formal proof of loss forms, both of which submissions contain 193 substantially the same information; (M) failing to promptly settle claims, 194 where liability has become reasonably clear, under one portion of the 195 insurance policy coverage in order to influence settlements under other 196 portions of the insurance policy coverage; (N) failing to promptly 197 provide a reasonable explanation of the basis in the insurance policy in 198 relation to the facts or applicable law for denial of a claim or for the offer 199 of a compromise settlement; (O) using as a basis for cash settlement with 200 a first party automobile insurance claimant an amount which is less than 201 the amount which the insurer would pay if repairs were made unless 202 such amount is agreed to by the insured or provided for by the 203 insurance policy. 204 Raised Bill No. 5255 LCO No. 1241 8 of 14 (7) Failure to maintain complaint handling procedures. Failure of any 205 person to maintain complete record of all the complaints which it has 206 received since the date of its last examination. This record shall indicate 207 the total number of complaints, their classification by line of insurance, 208 the nature of each complaint, the disposition of these complaints, and 209 the time it took to process each complaint. For purposes of this 210 subsection "complaint" means any written communication primarily 211 expressing a grievance. 212 (8) Misrepresentation in insurance applications. Making false or 213 fraudulent statements or representations on or relative to an application 214 for an insurance policy for the purpose of obtaining a fee, commission, 215 money or other benefit from any insurer, producer or individual. 216 (9) Any violation of any one of sections 38a-358, 38a-446, 38a-447, 38a-217 488, 38a-825, 38a-826, 38a-828 and 38a-829. None of the following 218 practices shall be considered discrimination within the meaning of 219 section 38a-446 or 38a-488 or a rebate within the meaning of section 38a-220 825: (A) Paying bonuses to policyholders or otherwise abating their 221 premiums in whole or in part out of surplus accumulated from 222 nonparticipating insurance, provided any such bonuses or abatement of 223 premiums shall be fair and equitable to policyholders and for the best 224 interests of the company and its policyholders; (B) in the case of policies 225 issued on the industrial debit plan, making allowance to policyholders 226 who have continuously for a specified period made premium payments 227 directly to an office of the insurer in an amount which fairly represents 228 the saving in collection expense; (C) readjustment of the rate of premium 229 for a group insurance policy based on loss or expense experience, or 230 both, at the end of the first or any subsequent policy year, which may be 231 made retroactive for such policy year. 232 (10) Notwithstanding any provision of any policy of insurance, 233 certificate or service contract, whenever such insurance policy or 234 certificate or service contract provides for reimbursement for any 235 services which may be legally performed by any practitioner of the 236 healing arts licensed to practice in this state, reimbursement under such 237 Raised Bill No. 5255 LCO No. 1241 9 of 14 insurance policy, certificate or service contract shall not be denied 238 because of race, color or creed nor shall any insurer make or permit any 239 unfair discrimination against particular individuals or persons so 240 licensed. 241 (11) Favored agent or insurer: Coercion of debtors. (A) No person 242 may (i) require, as a condition precedent to the lending of money or 243 extension of credit, or any renewal thereof, that the person to whom 244 such money or credit is extended or whose obligation the creditor is to 245 acquire or finance, negotiate any policy or contract of insurance through 246 a particular insurer or group of insurers or producer or group of 247 producers; (ii) unreasonably disapprove the insurance policy provided 248 by a borrower for the protection of the property securing the credit or 249 lien; (iii) require directly or indirectly that any borrower, mortgagor, 250 purchaser, insurer or producer pay a separate charge, in connection 251 with the handling of any insurance policy required as security for a loan 252 on real estate or pay a separate charge to substitute the insurance policy 253 of one insurer for that of another; or (iv) use or disclose information 254 resulting from a requirement that a borrower, mortgagor or purchaser 255 furnish insurance of any kind on real property being conveyed or used 256 as collateral security to a loan, when such information is to the 257 advantage of the mortgagee, vendor or lender, or is to the detriment of 258 the borrower, mortgagor, purchaser, insurer or the producer complying 259 with such a requirement. 260 (B) (i) Subparagraph (A)(iii) of this subdivision shall not include the 261 interest which may be charged on premium loans or premium 262 advancements in accordance with the security instrument. (ii) For 263 purposes of subparagraph (A)(ii) of this subdivision, such disapproval 264 shall be deemed unreasonable if it is not based solely on reasonable 265 standards uniformly applied, relating to the extent of coverage required 266 and the financial soundness and the services of an insurer. Such 267 standards shall not discriminate against any particular type of insurer, 268 nor shall such standards call for the disapproval of an insurance policy 269 because such policy contains coverage in addition to that required. (iii) 270 The commissioner may investigate the affairs of any person to whom 271 Raised Bill No. 5255 LCO No. 1241 10 of 14 this subdivision applies to determine whether such person has violated 272 this subdivision. If a violation of this subdivision is found, the person in 273 violation shall be subject to the same procedures and penalties as are 274 applicable to other provisions of section 38a-815, subsections (b) and (e) 275 of section 38a-817 and this section. (iv) For purposes of this section, 276 "person" includes any individual, corporation, limited liability 277 company, association, partnership or other legal entity. 278 (12) Refusing to insure, refusing to continue to insure or limiting the 279 amount, extent or kind of coverage available to an individual or 280 charging an individual a different rate for the same coverage because of 281 physical disability, mental or nervous condition as set forth in section 282 38a-488a or intellectual disability, except where the refusal, limitation or 283 rate differential is based on sound actuarial principles or is related to 284 actual or reasonably anticipated experience. 285 (13) Refusing to insure, refusing to continue to insure or limiting the 286 amount, extent or kind of coverage available to an individual or 287 charging an individual a different rate for the same coverage solely 288 because of blindness or partial blindness. For purposes of this 289 subdivision, "refusal to insure" includes the denial by an insurer of 290 disability insurance coverage on the grounds that the policy defines 291 "disability" as being presumed in the event that the insured is blind or 292 partially blind, except that an insurer may exclude from coverage any 293 disability, consisting solely of blindness or partial blindness, when such 294 condition existed at the time the policy was issued. Any individual who 295 is blind or partially blind shall be subject to the same standards of sound 296 actuarial principles or actual or reasonably anticipated experience as are 297 sighted persons with respect to all other conditions, including the 298 underlying cause of the blindness or partial blindness. 299 (14) Refusing to insure, refusing to continue to insure or limiting the 300 amount, extent or kind of coverage available to an individual or 301 charging an individual a different rate for the same coverage because of 302 exposure to diethylstilbestrol through the female parent. 303 Raised Bill No. 5255 LCO No. 1241 11 of 14 (15) (A) Failure by an insurer, or any other entity responsible for 304 providing payment to a health care provider pursuant to an insurance 305 policy, to pay accident and health claims, including, but not limited to, 306 claims for payment or reimbursement to health care providers, within 307 the time periods set forth in subparagraph (B) of this subdivision, unless 308 the Insurance Commissioner determines that a legitimate dispute exists 309 as to coverage, liability or damages or that the claimant has fraudulently 310 caused or contributed to the loss. Any insurer, or any other entity 311 responsible for providing payment to a health care provider pursuant 312 to an insurance policy, who fails to pay such a claim or request within 313 the time periods set forth in subparagraph (B) of this subdivision shall 314 pay the claimant or health care provider the amount of such claim plus 315 interest at the rate of fifteen per cent per annum, in addition to any other 316 penalties which may be imposed pursuant to sections 38a-11, 38a-25, 317 38a-41 to 38a-53, inclusive, 38a-57 to 38a-60, inclusive, 38a-62 to 38a-64, 318 inclusive, 38a-76, 38a-83, 38a-84, 38a-117 to 38a-124, inclusive, 38a-129 319 to 38a-140, inclusive, 38a-146 to 38a-155, inclusive, 38a-283, 38a-288 to 320 38a-290, inclusive, 38a-319, 38a-320, 38a-459, 38a-464, 38a-815 to 38a-819, 321 inclusive, 38a-824 to 38a-826, inclusive, and 38a-828 to 38a-830, 322 inclusive. Whenever the interest due a claimant or health care provider 323 pursuant to this section is less than one dollar, the insurer shall deposit 324 such amount in a separate interest-bearing account in which all such 325 amounts shall be deposited. At the end of each calendar year each such 326 insurer shall donate such amount to The University of Connecticut 327 Health Center. 328 (B) Each insurer or other entity responsible for providing payment to 329 a health care provider pursuant to an insurance policy subject to this 330 section, shall pay claims not later than: 331 (i) For claims filed in paper format, sixty days after receipt by the 332 insurer of the claimant's proof of loss form or the health care provider's 333 request for payment filed in accordance with the insurer's practices or 334 procedures, except that when there is a deficiency in the information 335 needed for processing a claim, as determined in accordance with section 336 38a-477, the insurer shall (I) send written notice to the claimant or health 337 Raised Bill No. 5255 LCO No. 1241 12 of 14 care provider, as the case may be, of all alleged deficiencies in 338 information needed for processing a claim not later than thirty days 339 after the insurer receives a claim for payment or reimbursement under 340 the contract, and (II) pay claims for payment or reimbursement under 341 the contract not later than thirty days after the insurer receives the 342 information requested; and 343 (ii) For claims filed in electronic format, twenty days after receipt by 344 the insurer of the claimant's proof of loss form or the health care 345 provider's request for payment filed in accordance with the insurer's 346 practices or procedures, except that when there is a deficiency in the 347 information needed for processing a claim, as determined in accordance 348 with section 38a-477, the insurer shall (I) notify the claimant or health 349 care provider, as the case may be, of all alleged deficiencies in 350 information needed for processing a claim not later than ten days after 351 the insurer receives a claim for payment or reimbursement under the 352 contract, and (II) pay claims for payment or reimbursement under the 353 contract not later than ten days after the insurer receives the information 354 requested. 355 (C) As used in this subdivision, "health care provider" means a person 356 licensed to provide health care services under chapter 368d, chapter 357 368v, chapters 370 to 373, inclusive, 375 to 383c, inclusive, 384a to 384c, 358 inclusive, or chapter 400j. 359 (16) Failure to pay, as part of any claim for a damaged motor vehicle 360 under any automobile insurance policy where the vehicle has been 361 declared to be a constructive total loss, an amount equal to the sum of 362 (A) the settlement amount on such vehicle plus, whenever the insurer 363 takes title to such vehicle, (B) an amount determined by multiplying 364 such settlement amount by a percentage equivalent to the current sales 365 tax rate established in section 12-408. For purposes of this subdivision, 366 "constructive total loss" means the cost to repair or salvage damaged 367 property, or the cost to both repair and salvage such property, equals or 368 exceeds the total value of the property at the time of the loss. 369 Raised Bill No. 5255 LCO No. 1241 13 of 14 (17) Any violation of section 42-260, by an extended warranty 370 provider subject to the provisions of said section, including, but not 371 limited to: (A) Failure to include all statements required in subsections 372 (c) and (f) of section 42-260 in an issued extended warranty; (B) offering 373 an extended warranty without being (i) insured under an adequate 374 extended warranty reimbursement insurance policy or (ii) able to 375 demonstrate that reserves for claims contained in the provider's 376 financial statements are not in excess of one-half the provider's audited 377 net worth; (C) failure to submit a copy of an issued extended warranty 378 form or a copy of such provider's extended warranty reimbursement 379 policy form to the Insurance Commissioner. 380 (18) With respect to an insurance company, hospital service 381 corporation, health care center or fraternal benefit society providing 382 individual or group health insurance coverage of the types specified in 383 subdivisions (1), (2), (4), (6), (10), (11) and (12) of section 38a-469, 384 refusing to insure, refusing to continue to insure or limiting the amount, 385 extent or kind of coverage available to an individual or charging an 386 individual a different rate for the same coverage because such 387 individual has been a victim of family violence. 388 (19) With respect to an insurance company, hospital service 389 corporation, health care center or fraternal benefit society providing 390 individual or group health insurance coverage of the types specified in 391 subdivisions (1), (2), (3), (4), (6), (9), (10), (11) and (12) of section 38a-469, 392 refusing to insure, refusing to continue to insure or limiting the amount, 393 extent or kind of coverage available to an individual or charging an 394 individual a different rate for the same coverage because of genetic 395 information. Genetic information indicating a predisposition to a 396 disease or condition shall not be deemed a preexisting condition in the 397 absence of a diagnosis of such disease or condition that is based on other 398 medical information. An insurance company, hospital service 399 corporation, health care center or fraternal benefit society providing 400 individual health coverage of the types specified in subdivisions (1), (2), 401 (3), (4), (6), (9), (10), (11) and (12) of section 38a-469, shall not be 402 prohibited from refusing to insure or applying a preexisting condition 403 Raised Bill No. 5255 LCO No. 1241 14 of 14 limitation, to the extent permitted by law, to an individual who has been 404 diagnosed with a disease or condition based on medical information 405 other than genetic information and has exhibited symptoms of such 406 disease or condition. For the purposes of this subsection, "genetic 407 information" means the information about genes, gene products or 408 inherited characteristics that may derive from an individual or family 409 member. 410 (20) Any violation of sections 38a-465 to 38a-465q, inclusive. 411 (21) With respect to a managed care organization, as defined in 412 section 38a-478, failing to establish a confidentiality procedure for 413 medical record information, as required by section 38a-999. 414 (22) Any violation of sections 38a-591d to 38a-591f, inclusive. 415 (23) Any violation of section 38a-472j. 416 (24) Any violation of section 2 of this act. 417 This act shall take effect as follows and shall amend the following sections: Section 1 January 1, 2021 38a-1 Sec. 2 January 1, 2021 New section Sec. 3 January 1, 2021 38a-816 Statement of Purpose: To (1) prohibit certain insurers from discriminating against any individual solely because such individual is a living organ donor, and (2) provide that such discrimination constitutes a violation of the Connecticut Unfair Insurance Practices Act. [Proposed deletions are enclosed in brackets. Proposed additions are indicated by underline, except that when the entire text of a bill or resolution or a section of a bill or resolution is new, it is not underlined.]