All Roll Calls
Yes: 146 • No: 0
WashingtonSB 51412025-2026 Regular SessionSenateWALLET
Requiring that experience-rated group disability income insurers include all applicable rating factors and credibility formulas in rate manual filings with the insurance commissioner.
Sponsored By: Adrian Cortes (Democratic)
Became Law
Your PRIA Score
Score Hidden
Personalized for You
How does this bill affect your finances?
Sign up for a PRIA Policy Scan to see your personalized alignment score for this bill and every other piece of legislation we track. We analyze your financial profile against policy provisions to show you exactly what matters to your wallet.
Bill Overview
Analyzed Economic Effects
1 provisions identified: 1 benefits, 0 costs, 0 mixed.
Insurers must show group disability formulas
Beginning July 27, 2025, insurers that sell experience-rated group disability income coverage in Washington must include their experience-rating formulas in their rate manual filings. They must also list all rating factors and credibility formulas. The filing must be detailed enough for the insurance commissioner to confirm if a group is fully or partially credible and to recreate the group’s premium from its experience and demographics. Insurers still file manuals of classifications, rules, rates, and any changes for disability insurance, unless another state or federal law sets different filing rules. This increases transparency and lets the state verify how premiums are set.
Free Policy Watch
You just read the policy. Now see what it costs you.
Pick a topic. PRIA runs your household against live legislation and sends you a free personalized readout.
Pick a topic to get started
Sponsors & Cosponsors
Sponsor
Adrian Cortes
Democratic • Senate
Cosponsors
Bob Hasegawa
Democratic • Senate
Jesse Salomon
Democratic • Senate
Manka Dhingra
Democratic • Senate
Marko Liias
Democratic • Senate
T'wina Nobles
Democratic • Senate
Roll Call Votes
House vote • 3/31/2025
3rd Reading & Final Passage
Yes: 97 • No: 0 • Other: 1
Senate vote • 2/25/2025
3rd Reading & Final Passage
Yes: 49 • No: 0
Actions Timeline
Effective date 7/27/2025.
4/8/2025SenateChapter 27, 2025 Laws.
4/8/2025SenateGovernor signed.
4/8/2025legislatureDelivered to Governor.
4/3/2025legislatureSpeaker signed.
4/2/2025legislaturePresident signed.
4/1/2025legislatureThird reading, passed; yeas, 97; nays, 0; absent, 0; excused, 1.
3/31/2025SenateRules suspended. Placed on Third Reading.
3/31/2025SenateRules Committee relieved of further consideration. Placed on second reading.
3/25/2025SenateReferred to Rules 2 Review.
3/20/2025SenateCPB - Majority; do pass.
3/18/2025SenateCPB - Executive action taken by committee.
3/18/2025SenateFirst reading, referred to Consumer Protection & Business.
2/27/2025SenateThird reading, passed; yeas, 49; nays, 0; absent, 0; excused, 0.
2/25/2025SenateRules suspended. Placed on Third Reading.
2/25/2025SenatePlaced on second reading consent calendar.
2/12/2025SenatePassed to Rules Committee for second reading.
1/30/2025SenateBFT - Majority; do pass.
1/29/2025SenateFirst reading, referred to Business, Financial Services & Trade.
1/13/2025SenatePrefiled for introduction.
1/7/2025Senate
Bill Text
Session Law
4/10/2025
Bill as Passed Legislature
4/3/2025
Original Bill
1/14/2025
Related Bills
SB 6231 — Removing a tax exemption for the replacement of equipment for data centers.
SB 6260 — Implementing efficiencies and programming changes in public education.
SB 6228 — Removing a tax exemption for the warehousing and reselling of prescription drugs.
HB 2034 — Concerning termination and restatement of plan 1 of the law enforcement officers' and firefighters' retirement system.
HB 2689 — Concerning the working connections child care program.
HB 2487 — Concerning taxes imposed on insurers operating within the state.
Take It Personal
Get Your Personalized Policy View
Take the PRIA Score to see how policy affects your household, then upgrade to PRIA Full Coverage for year-round monitoring.
Already have an account? Sign in