Maine Adjuster Insurance Exam 2026

One License, Three Authorities

Maine's Bureau of Insurance issues a single adjuster license. What varies is the authority written on it — and § 1415(3) names three: property and casualty insurance adjuster, multiple peril crop insurance adjuster, and workers' compensation insurance adjuster.

§ 1402(11-A) draws the boundary by subtraction: a P&C adjuster handles claims *"of any kind except for multiple peril crop insurance claims and workers' compensation claims."* So the P&C authority is the residual one, and crop and comp are carved out of it.

There is a grandfather clause, and it is still doing work. § 1402(11-B): *"Notwithstanding any provision of law to the contrary, a person who on January 1, 2018 is licensed as a property and casualty insurance adjuster is automatically granted workers' compensation authority on that date."* If you were licensed before 2018 you already hold comp authority whether or not you ever asked for it.

Business entities are licensed too. § 1413(1) requires a business entity *"whether it has a location in this State or not"* to be licensed as a producer, adjuster or consultant entity. At least one individual licensee must be designated responsible for the entity's compliance, and Maine permits only one DRLP.

Three deadlines hang off that designation, and they are easily conflated. A change of DRLP must be reported in 14 days. If the DRLP loses their own license and no replacement is designated within 14 days, the entity license terminates. But changes to the individuals *"designated to act in the name of the entity"* get 30 days under § 1413(4).

No Public Adjuster License — Because the Definition Already Covers It

Maine does not issue a public adjuster license. That is not a gap; it is a drafting choice, and it lives in two words.

§ 1402(1): an adjuster is a person who *"for fee, commission or other compensation, investigates for, settles on behalf of and reports to an insurer, fraternal benefit society, workers' compensation self-insurer or insured relative to claims arising under the workers' compensation laws or other types of insurance contracts."*

*"Or insured."* One definition reaches both sides of the transaction. The Bureau states it plainly: "Maine does not differentiate between Independent and Public Adjusters." The negative is provable structurally — subchapter 6 contains only §§ 1471 through 1477, seven sections, and none is captioned for public adjusting.

But do not conclude Maine is silent on public-adjusting conduct. § 1476 is squarely on point, and it is strict: an adjuster seeking to adjust *"for a fee to be paid by the insured"* *"may not offer an adjustment services contract to any person for at least 36 hours after an accident or occurrence."* And any such contract must carry, *"prominently printed on the first page,"* the insured's option to rescind within 2 business days.

What § 1476 does NOT impose: no bond, no fee cap, and no affirmative requirement that there be a written contract at all — only a content requirement if one is used. States that license public adjusters separately usually do all three — a bond, a percentage cap on the fee, and a mandatory written contract. Maine does none of them.

Who Is Outside the Definition — and How Little Maine Asks of Everyone Else

§ 1472 is the whole qualifications section, and it is three lines long. You must be at least 18; *"competent, trustworthy, financially responsible, and of good personal and business reputation"*; and you must pass the examination — *"or maintain federal crop insurance certification"* if you are seeking the multiple peril crop authority.

There is no prelicensing course, and the proof is a repeal rather than an absence. § 1410(4), captioned "Education requirements," was REPEALED by PL 2007, c. 51, § 1. The subsection was affirmatively deleted from the code. The five-year experience requirement people sometimes cite from § 1410(5) reaches consultants only.

And there are no fingerprints. Maine imposes no fingerprint requirement and no criminal history record check on adjuster applicants — the words do not appear anywhere in chapter 16, for adjusters or producers. The nearest provision is discretionary: § 1425 says the Superintendent *"may investigate the applicant's character, financial responsibility, experience, background and fitness."*

Seven categories sit OUTSIDE the § 1402(1) definition entirely — they are not exempted from it, they were never captured. (A) attorneys admitted in Maine; (B) P&C or workers' compensation adjusters *"who are employees of insurers"*; (C) licensed producers authorized to settle claims up to $10,000, or $20,000 temporarily during a § 1475 catastrophe; (D) state, county and municipal adjusters; (E) persons adjusting only life and health claims; (F) adjuster trainees; and (G) portable electronic device claim data-entry staff, capped at *"no more than 25 individuals under the supervision of one licensed adjuster or insurance producer."*

The trainee exclusion has a hidden qualification, and it is on the supervisor. § 1402(2) defines a trainee as someone with *"less than one year total experience handling loss claims"* under the *"immediate personal supervision"* of an adjuster *"who has been established in the business of adjusting for 3 years or more."* A two-year adjuster cannot lawfully carry a trainee.

There is no residency requirement, no office requirement and no bond. § 1446, *"Place of business,"* was repealed with no replacement; the only locational duty left is § 1474's recordkeeping address. The chapter's sole bond section, § 1464, is the consultant's bond.

Pearson VUE, 50 Questions — and Three Numbers Maine Will Not Publish

Pearson VUE administers the Maine exams, and the Bureau confirms three are offered: *"Maine offers Property and Casualty, Workers' Compensation and Multi-Peril Crop exams."*

The Property and Casualty Adjuster exam is 50 scored questions plus 5 pretest items. As in every state in this build, that count lives in the per-exam content outline, not in the candidate bulletin — which is why candidates who read only the bulletin arrive without it.

⚠️ In-person only since 10 May 2025. The Bureau: *"Effective 5/10/2025, no new registrations will be accepted for online insurance examinations."* OnVUE remote proctoring is gone for Maine insurance exams. Book a test center.

Three numbers are genuinely unpublished, and we will not invent them: the exam fee, the time limit, and the question counts for the workers' compensation and crop exams. Pearson's Maine handbook (#122000) prints an *"Exam Fees"* heading with no amount beneath it and says only that the fee is paid *"at the time of reservation by credit card, debit card, or voucher."* The statutory route is closed too — § 601(9), captioned "Examination," was repealed by PL 1993, c. 221. On time, the handbook says only that it varies.

Retakes: you must wait one day before rescheduling. No cap on attempts was located. Under § 1410(6), a candidate who fails one part of a two-part exam *"pay[s] full fees but retake[s] only the failed portion."*

Exam waivers — § 1427-A. No prelicensing and no exam if you were previously licensed as an adjuster in another state (currently, or within 90 days of cancellation, with a certification of good standing); if you were licensed elsewhere and establish Maine residency, applying within 90 days; or if you held the same license type in Maine within the past 2 years, unless it was revoked or suspended.

70 — And It Is a SCALED Score, Not 70% of the Questions

This is the single most consequential factual correction in the Maine build, and almost every source gets it wrong.

Pearson VUE's Maine handbook, verbatim: *"Raw scores are converted into scaled scores that can range from zero to 100."*

And then, removing any doubt: *"With a passing score of 70, any score below 70 indicates how close the candidate came to passing, rather than the actual number or percentage of questions the candidates answered correctly."*

So you do not need 70% of the questions right. You need a scaled 70. On a 50-question exam that emphatically does not mean 35 correct — the conversion is Pearson's, it accounts for form difficulty, and neither Maine nor Pearson publishes the mapping.

Practically, what should you do with that? Exactly what you would do if the number were raw: aim comfortably above the line, because you cannot audit the arithmetic and there is no partial credit to reason about. What changes is how you read a failing report — a 64 does not mean you missed 36% of the questions, and it is not a reliable measure of how many more you needed.

Four Renewal Dates, One of Them in an Odd Year — and No CE at All

§ 1416-A(1): a license *"continues in force continuously ... as long as any applicable fee set forth in section 601 is paid and education requirements for resident licensees are met by the due date."* Maine has no expiration-and-reissue cycle; the license simply continues until you fail to pay.

The biennial due dates are staggered by licensee type, and they are not intuitive. Resident adjuster: October 1, EVEN years. Nonresident adjuster: January 1, EVEN years. Resident business entity: December 1, EVEN years. Nonresident business entity: April 1, ODD years — the only odd-year date in the scheme.

The asymmetry is deliberate. Resident consultants are pinned to their CE cycle, so residents were given an autumn date; nonresidents, who owe Maine no CE, sit on the calendar-year boundary.

§ 1416-A(3) sets the cliff: *"Failure to pay the required fees by a licensee within 90 days from the due date results in suspension or revocation of the license pursuant to section 1417."*

No proration provision was found. § 1416-A contains none and § 601 states flat figures with no pro-rata language. We report that as an absence rather than as a confirmed rule.

And there is no continuing education. § 1481-A(1) reads, in full: "This subchapter applies to licensed producers and licensed consultants." Adjusters are not named, and it is a closed enumeration — so §§ 1481 through 1485 do not reach them at all. The Bureau confirms: *"Adjusters, both resident and nonresident, are not currently required to complete continuing education credits."*

Three Years of Records — and § 1419 Does Bind You

§ 1474 — three years. Records are kept *"at the adjuster's business address shown on the license"* (electronic storage is permitted), must include *"a copy of all investigations or adjustments undertaken or consummated"* and *"a statement of any fee, commission or other compensation received or to be received,"* must be available *"at all times,"* and must be retained at least 3 years.

⚠️ Now the reporting duty, and Maine is the opposite of its neighbors here. § 1419 sits in subchapter 2 — the general subchapter — and binds *"a licensee."* That reaches adjusters. Reportable: address, telephone, e-mail or name changes; material changes in conditions or qualifications; conviction of any crime other than traffic violations; discipline by another jurisdiction's insurance regulator; administrative actions elsewhere; and criminal prosecutions in any jurisdiction.

The deadlines are all 30 days — 30 days after the change, 30 days after final disposition of an administrative action, and 30 days after the initial pretrial hearing in a criminal prosecution.

Do not cite § 1420-P against an adjuster. *"Reporting of actions"* sits in subchapter 2-A, the Maine Producer Licensing Act, which § 1420(2) confines to producers. The duty that catches you is § 1419, not § 1420-P.

Discipline — § 1417. The Superintendent *"may, after notice and opportunity for hearing, deny, revoke, suspend, place on probation or limit the permissible activities under any license."* § 1417 itself states no dollar figures; grounds cross-reference § 1420-K, which despite sitting in the producer subchapter is expressly incorporated for adjusters by §§ 1417 and 1424-A. § 1473 adds an adjuster-only ground: *"failure to perform the duties of the adjuster in accordance with the standards in this subchapter."*

The money lives in § 12-A. In Superior Court on an Attorney General action: $500 to $5,000 per violation for individuals, $2,000 to $15,000 for entities. Before the Superintendent after an adjudicatory hearing: up to $500 per violation for individuals, up to $10,000 for entities. The Superintendent may not assess penalties where the Attorney General is pursuing the same conduct in court.

Two Unfair-Claims Statutes, Pointing Opposite Ways

Maine has two unfair claims settlement statutes. Their captions differ by one word. Their regimes are opposites, and no national summary captures it.

§ 2436-A, "Unfair claims settlement practices" — GRANTS a private right of action. *"A person injured by any of the following actions taken by that person's own insurer may bring a civil action and recover damages, together with costs and disbursements, reasonable attorney's fees and interest on damages at the rate of 1 1/2% per month."* It enumerates five acts, not the NAIC's sixteen: knowingly misrepresenting facts or provisions; failing to acknowledge and review claims within a reasonable time; threatening to appeal an arbitration award solely to force a lesser settlement; failing to affirm or deny coverage within a reasonable time after completing the investigation; and, *"without just cause,"* failing to effectuate prompt, fair and equitable settlement where liability is reasonably clear.

Two features make § 2436-A dangerous. There is NO general-business-practice element anywhere in it — a single act is actionable. And it is a fee-shifting statute, which is the practical engine of the section. Subsection 2 defines *"without just cause"* as refusing to settle *"without a reasonable basis to contest liability, the amount of any damages or the extent of any injuries claimed."* Workers' compensation claims are excluded.

§ 2164-D, "Unfair claims practices" — FORECLOSES the private action. Subsection 8: *"This section may not be construed to create or imply a private cause of action for violation of this section."* It lists 12 acts, and unlike § 2436-A it has a qualifying element: the act must be committed *"in conscious disregard"* of the section or *"with such frequency as to indicate a general business practice."* Carve-outs: workers' compensation, medical malpractice, fidelity, suretyship, boiler and machinery.

⚠️ And § 2164-D is where YOUR personal exposure lives. Subsection 1 defines *"insurer"* as *"any person ... engaged in the business of insurance, including, but not limited to, producers, adjusters and 3rd-party administrators."* Coupled with § 2152's prohibition on *"no person"* engaging in a defined trade practice, an independent adjuster in Maine is squarely inside chapter 23.

§ 2164-D(3)(K) carries the one numeric duty in the section: 15 calendar days to furnish claim forms with reasonable explanations on request, subject to a catastrophe exception *"as determined by the superintendent."*

30 Days From Proof of Loss AND Ascertainment — and Interest That Runs by Itself

§ 2436(1): a claim *"is payable within 30 days after proof of loss is received by the insurer AND ascertainment of the loss is made"* — by written agreement or by an arbitrators' award. *"A claim that is neither disputed nor paid within 30 days is overdue."*

The clock does not start on notice of loss. It needs both proof of loss and ascertainment. And it can be reset: if the insurer notifies the insured in writing during the 30 days that *"reasonable additional information"* is required, the claim *"is not overdue until 30 days following receipt by the insurer of the additional required information."*

Two carve-outs sit in the statute itself: a standard fire policy gets 60 days (via § 3002), and individual life insurance gets 2 months (via § 2513). Long-term care insurance is excluded entirely by subsection 6. Note what is not excluded: workers' compensation, which *is* excluded from both § 2436-A and § 2164-D.

§ 2436(3) — interest is AUTOMATIC. An overdue claim *"bears interest at the rate of 1 1/2% per month after the due date."* Self-executing. No demand required. Contrast subsection 4's attorney's fee, which does have a trigger — it is owed if overdue benefits are recovered in an action *"or if overdue benefits are paid after receipt of notice of the attorney's representation."*

You stop the clock by DISPUTING, not by paying — but the dispute has to be real. § 2436(2) requires a written statement that the claim is disputed *"with a statement of the grounds,"* which *"must be based upon a reasonable investigation"* and *"must include sufficient detail to permit the insured or beneficiary to understand and respond."*

Other clocks worth knowing: 20 days to BEGIN adjustment of a fire loss (§ 3041); 60 days to disclose the insured's liability limits on written request by a claimant or claimant's attorney, with a $500 penalty plus fees for non-compliance (§ 2164-E); 30 days for multi-carrier pay-or-deny *"whether or not another carrier has acted"* (§ 2436(1-A)); and Bureau Rule Ch. 850's utilization-review grid, which is health carriers only.

Maine Expressly Refused the Tort — But the Duty Exists in Every Policy

*Marquis v. Farm Family Mutual Insurance Co.*, 628 A.2d 644 (Me. 1993) is the controlling case, and it is routinely reduced to four words — *"Maine has no bad faith"* — that misstate it.

What the Court refused: *"This is our first opportunity to address this issue and we expressly refuse to recognize an independent tort of bad faith resulting from an insurer's breach of its duty to act in good faith and deal fairly with an insured."* Remedies are limited *"to the traditional remedies for breach of contract, and the additional statutory remedies provided in the insurance code."*

What the same opinion HELD, in the same breath: *"in every insurance contract an insurer owes a duty to act in good faith and deal fairly with its insured, EVEN IN THE ABSENCE OF A THIRD-PARTY TORT CLAIMANT,"* and that duty *"arises at the time the parties enter into the insurance contract."* The duty exists. What Maine refuses is a tort remedy for its breach.

And the duty has real teeth in contract — *Marquis* proves it. The jury found bad-faith investigation on specific, adjuster-level facts: the adjuster failed to interview the couple the insureds had played cards with on the night of the fire; failed to disclose a police officer's contradicting statement; failed to tell the fire investigator that the same insurer had paid a fire claim on the very same potato house four months earlier; and relied on an unverified rumor she nonetheless put in her report. The Law Court reinstated the full $680,000 verdict.

The limits are real too. *Colford v. Chubb Life Ins. Co.*, 687 A.2d 609 (Me. 1996): emotional distress and punitive damages require *"independently tortious conduct beyond the denial."* *Stull v. First American Title*, 2000 ME 21: tort recovery *"must be based on actions that are separable from the actual breach of contract,"* and *"punitive damages are unavailable under Maine law for breach of contract."* And *Tuttle v. Raymond*, 494 A.2d 1353 (Me. 1985) requires malice by clear and convincing evidence, expressly holding that *"mere reckless disregard"* will not do.

Adjuster personal liability: no controlling Maine authority exists, and we will not infer one. What the primary sources support: § 2436-A reaches only *"that person's own insurer"*; § 2164-D names adjusters but bars private suits; and *Marquis* forecloses the tort that would ordinarily be the vehicle. Worth noting that in *Marquis* the named adjuster was a defendant on the bad-faith count — and that count was dismissed before trial, because the tort does not exist, not because she was an adjuster.

50/100/25, Two Mandatory First-Party Coverages, and No Percentages

29-A § 1605(1)(C) compels FIVE coverages, and two of them are first-party: *"(1) For damage to property, $25,000; (2) For injury to or death of any one person, $50,000; (3) For one accident resulting in injury to or death of more than one person, $100,000; (4) For medical payments pursuant to section 1605-A, $2,000; and (5) For towing and storage charges pursuant to section 1605-B, $500."*

50/100/25 against the common 25/50/25 — Maine's liability floor is double the national norm on the bodily injury limbs.

⚠️ Medical payments are MANDATORY and the window is one year. § 1605-A requires *"coverage in an amount equal to or greater than $2,000 per person"* for the driver and passengers — and *"the coverage required by this section only applies to medical costs incurred during one year following the date the injuries are sustained."* It does not apply to policies insuring more than 4 vehicles, or to garages, sales agencies, repair shops, service stations or public parking places.

UM/UIM is written at LIABILITY limits, not at the statutory floor. § 2902: the amount *"may not be less than the amount of coverage for liability for bodily injury or death in the policy."* Rejection of equal coverage must be *"in writing on a form provided by the insurer,"* signed and dated and received before the effective date; on rejection the floor drops to the § 1605(1) minimums.

⚠️ And the UIM offset is "payments ACTUALLY MADE," not the tortfeasor's limits. § 2902 subtracts *"any payments actually made to that person from any bodily injury liability insurance coverage applicable to the particular owner or operator of the underinsured motor vehicle."* A tortfeasor who settles below limits does not generate a full-limits offset — materially different arithmetic from a difference-in-limits state, and it favors the insured.

Stacking is governed by policy language, not by statute. *Cobb v. Allstate Ins. Co.*, 663 A.2d 38 (Me. 1995): *"The statute ... offers no guidance for resolution of the issue,"* and the case was decided on the policy — *"Because Allstate's policy is excess, it has no applicability at all until the primary coverage is exhausted."* Validly drafted anti-stacking and excess clauses are enforced. § 2902 has been amended three times since 1995 and still says nothing about stacking.

The Fire Policy Is Printed in the Code — and It Says Two Years

§ 3002 does not prescribe a form by rule or incorporate one by reference. It reprints the Maine standard fire policy in the statute itself, complete with the consideration and insuring clause, the assignment clause, and the general conditions and stipulations.

⚠️ The suit limitation is TWO YEARS, and it is confirmed twice over. From the form: *"No suit or action on this policy ... shall be sustainable in any court of law or equity unless all the requirements of this policy shall have been complied with, and unless commenced within two years next after inception of the loss."* The same sentence is quoted in *Marquis* footnote 3. And § 2433 sets a floor barring any contractual limitation *"to a period of less than 2 years from the time when the cause of action accrues."*

Note the two provisions have different triggers. The form runs from inception of the loss; § 2433 runs from accrual of the cause of action, and by its terms addresses foreign insurers. On a late-discovered loss those are materially different dates.

Payment under the form is 60 days after proof of loss is received *"and ascertainment of the loss is made"* — the same two-part trigger as § 2436. Appraisal is contractual but effectively mandatory in content, because the form is: on the written demand of either party, each side names a *"competent and disinterested appraiser"* and notifies the other within twenty days of the demand. Whether a Maine appraisal panel may decide causation is unresolved — the clause's grant reaches *"actual cash value or the amount of loss"* and says nothing about causation or coverage, and no controlling Maine authority was located either way.

Maine has NO valued policy law, proved by enumerating every section of chapter 41 — 3001 through 3061, with no valued-policy section among them. What it has instead is a statutory ACV definition, which most states lack. § 3004-A: *"'Actual cash value' means the replacement cost of an insured item of property at the time of loss, less the value of physical depreciation as to the item damaged,"* with physical depreciation *"determined according to standard business practices."* That is replacement-cost-less-depreciation — not the broad evidence rule. Maine picked a side.

Cancellation and nonrenewal: property cancellation 20 days general / 10 days nonpayment (§ 3050); property nonrenewal 30 days (§ 3051); auto cancellation 20 / 10; auto nonrenewal 30 days and *"not effective unless received by the named insured"* (§ 2917). The initial underwriting window splits by line: auto 60 days, homeowners and dwelling 90 days, seasonal dwellings 120 days.

$300,000 With Comp Exempt, a New Cyber Sublimit, and a Fraud Warning Maine Actually Requires

The Maine Insurance Guaranty Association is not where you would look for it: Title 24-A, chapter 57 ("Delinquent Insurers"), subchapter 3, §§ 4431 to 4452 — a subchapter of the receivership chapter. Chapter 62 is the separate life and health association.

§ 4438(1)(A) sets four different obligations, and the ordering matters. Workers' compensation gets *"the full amount of a covered claim for benefits, including interest and all penalties payable to a claimant under the Maine Workers' Compensation Act of 1992"* — exempt from the cap entirely. Unearned premium is capped at $25,000 per policy, and only the amount *"in excess of $50."* Cybersecurity claims get up to $500,000 per insured event, *"regardless of the number of claims made or the number of claimants."* Everything else: $300,000 per claim.

⚠️ The cyber sublimit is NEW — added by PL 2025, c. 348, §§ 40-42, which left the $300,000 and $25,000 figures in place. Any pre-2025 description of Maine's guaranty caps is now incomplete, and no secondary source will have it yet.

There is NO claim deductible. Maine does not adopt the NAIC model's $100 — the $50 applies only to unearned premium. The net worth exclusion bites on first-party claims by insureds worth over $25,000,000. Filing deadline: *"the earlier of 24 months after the date of the order of liquidation or the final date set by the court."* *"Covered claim"* excludes punitive damages and any amount due an insurer, reinsurer, affiliate or pool as subrogation.

Insurance fraud is not in the Insurance Code — it is a theft offense in the Criminal Code, and it is tiered. 17-A § 354-A: baseline Class E; more than $500 to $1,000, Class D; more than $1,000 to $10,000, Class C; more than $10,000 (or a firearm or explosive, or armed with a dangerous weapon), Class B.

⚠️ And Maine REQUIRES a fraud warning statement, where many states legislate none at all. § 2186 puts this, or substantially similar language, on all applications and claim forms: *"It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties may include imprisonment, fines or a denial of insurance benefits."* Absence of the warning is not a defense to prosecution. Insurers must also file an annual AGGREGATE report by MARCH 1 covering the prior calendar year — individual identities excluded — and must maintain an antifraud plan.

Ten Days of Medical Control, and the 15% Threshold That Removes the Cap

Rates are indexed to the State Average Weekly Wage every 1 July. Effective 7/1/2026 the SAWW is $1,249.12, giving a maximum of $1,561.40 for injuries on or after 1 January 2020 — the cap is 125% of SAWW under § 211. For injuries from 2013 through 2019 the cap is 100% of SAWW ($1,249.12); for 1993 through 2012 it is 90% ($1,124.21).

The benefit — § 212: for injuries on or after 1/1/2013, two-thirds of gross average weekly wages subject to the § 211 maximum. Pre-2013 injuries used 80% of the AFTER-TAX average weekly wage — a different base entirely, not merely a different percentage.

Waiting period — § 204: 7 days, *"except that firefighters must receive compensation from the date of incapacity."* If incapacity continues more than 14 days, compensation is allowed retroactively from the date of incapacity.

⚠️ Notice is tiered, and the deadline went down and then back up. § 301: pre-1/1/2013, 90 days; 1/1/2013 through 12/31/2019, 30 days; on or after 1/1/2020, 60 days. Statute of limitations — § 306: 2 years after the date of injury *"or the date the employer files a required first report of injury ... whichever is later."*

The carrier's clocks — § 205. First payment within 14 days of the employer's notice or knowledge, on a memorandum of payment. A notice of controversy no later than 45 days. Late payment costs $50 per day *"for each day over 30 days in which the benefits are not paid,"* capped at $1,500 in total. Interest on awards runs at 10% per annum from the date each payment was due.

⚠️ Medical control lasts TEN DAYS. § 206: the employer *"initially has the right to select for the employee a health care provider"* — but *"after 10 days from the inception of health care ... the employee may select a different health care provider"* on written notice. After that first change the employee *"may not change health care providers more than once"* without approval from the employer or the board.

Duration caps — § 213: partial incapacity is capped at 260 weeks pre-2013, 520 weeks for 2013-2019, and 624 weeks for 2020 onward. The threshold that removes the cap entirely: compensation runs *"for the duration of the disability"* where permanent impairment is *"in excess of 15% to the body."* The board may also extend beyond 260 weeks for extreme financial hardship.

Two Public Laws and One Vendor Policy

PL 2025, c. 348 amended the guaranty association sections — §§ 4435 and 4438 — and its effect is additive: it created the $500,000 cybersecurity sublimit while leaving the $300,000 per-claim cap and the $25,000 unearned premium cap untouched. If your reference predates 2025, its description of Maine's guaranty limits is incomplete rather than wrong.

PL 2025, c. 300 amended § 2436 — but only subsection 1-A, which deals with coordination of benefits and electronic funds transfer for health and dental providers. The 30-day rule and the 1.5% monthly interest rate are unchanged.

And a change that is not legislation at all: OnVUE remote testing ended on 10 May 2025. The Bureau: *"Effective 5/10/2025, no new registrations will be accepted for online insurance examinations."* Maine insurance exams are in-person only.

Also worth tracking, and deliberately NOT stated as law here: a reported May 2026 Law Court decision holding that an insurer may settle within limits over the insured's objection where the policy grants the right to settle. We have it from a trade-press account only; the case name and citation could not be confirmed against the court's own site, so we do not cite it. If it holds up, it cuts against insured-side control of settlement.

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