Title 48 — Title 48 INSURANCE
101 chapters · 2,134 sections in this title.
RCW 48.64.070 Multistate programs—Conditions and requirements for participation.
2.3K chars
An affordable housing entity may participate in a joint self-insurance program covering property or liability risks with similar affordable housing entities from other states if the program satisfies the following requirements:(1) An ownership interest in the program is limited t…
RCW 48.64.080 Program approval or disapproval—Plan review—State risk manager's duties—Violations—Fines—Annual program reports.
3.8K chars
(1) Within one hundred twenty days of receipt of a plan of management and operation, the state risk manager shall either approve or disapprove of the formation of the joint self-insurance program after reviewing the plan to determine whether the proposed program complies with thi…
RCW 48.64.090 Program may designate treasurer—Bond.
0.7K chars
(1) A joint self-insurance program may by resolution of the program designate a person having experience with investments or financial matters as treasurer of the program. The program must require a bond obtained from a surety company in an amount and under the terms and conditio…
RCW 48.64.100 Employees or officials of a participating affordable housing entity—Restrictions on receiving anything of value.
1.0K chars
(1) An employee or official of a participating affordable housing entity in a joint self-insurance program may not directly or indirectly receive anything of value for services rendered in connection with the operation and management of a self-insurance program other than the sal…
RCW 48.64.110 Programs are exempt from certain taxes and fees.
0.6K chars
A joint self-insurance program approved in accordance with this chapter is exempt from insurance premium taxes, fees assessed under chapter 48.02 RCW, chapters 48.32 and 48.32A RCW, business and occupation taxes imposed under chapter 82.04 RCW, and any assigned risk plan or joint…
RCW 48.64.120 Investigation fee—Amount determined by state risk manager.
0.7K chars
(1) The state risk manager shall establish and charge an investigation fee in an amount necessary to cover the costs for the initial review and approval of a joint self-insurance program. The fee must accompany the initial submission of the plan of operation and management.(2) Th…
RCW 48.64.130 Immunity from liability in civil actions—Filing, furnishing, or using information.
1.1K chars
(1) Any person who files reports or furnishes other information required under this title, required by the state risk manager under the authority granted under this title, or which is useful to the state risk manager in the administration of this title, is immune from liability i…
RCW 48.64.900 Effective date—2009 c 314.
0.1K chars
This act takes effect January 1, 2010.[ 2009 c 314 s 17.]
RCW 48.66.010 Short title—Intent—Application of chapter.
0.3K chars
This chapter shall be known and may be cited as "The Medicare Supplemental Health Insurance Act" and is intended to govern the content and sale of medicare supplemental insurance as defined in this chapter. The provisions of this chapter shall apply in addition to, rather than in…
RCW 48.66.020 Definitions.
7.6K chars
Unless the context clearly requires otherwise, the definitions in this section apply throughout this chapter.(1) "Medicare supplemental insurance" or "medicare supplement insurance policy" refers to a group or individual policy of disability insurance or a subscriber contract of …
RCW 48.66.025 Restrictions on issuers—Age of applicants—Preexisting conditions.
2.1K chars
(1) An issuer may not deny or condition the issuance or effectiveness of any medicare supplement policy or certificate available for sale in this state, or discriminate in the pricing of a policy or certificate, because of the health status, claims experience, receipt of health c…
RCW 48.66.030 Renewability—Benefit standards—Benefit limitations.
0.5K chars
(1) A medicare supplement insurance policy which provides for the payment of benefits may not be based on standards described as "usual and customary," "reasonable and customary," or words of similar import.(2) Limitations on benefits, such as policy exclusions or waiting periods…
RCW 48.66.035 Commissioner's approval required.
1.7K chars
(1) A medicare supplement insurance policy or certificate form or application form, rider, or endorsement shall not be issued, delivered, or used unless it has been filed with and approved by the commissioner.(2) Rates, or modification of rates, for medicare supplement policies o…
RCW 48.66.041 Minimum standards required by rule—Waiver.
1.9K chars
(1) The insurance commissioner shall adopt rules to establish minimum standards for benefits in medicare supplement insurance policies and certificates.(2) The commissioner shall adopt rules to establish specific standards for medicare supplement insurance policy or certificate p…
RCW 48.66.045 Mandated coverage for replacement policies—Rates on a community-rated basis.
4.7K chars
(1) Every issuer of a medicare supplement insurance policy or certificate providing coverage to a resident of this state issued on or after January 1, 1996, and before June 1, 2010, must:(a) Unless otherwise provided for in RCW 48.66.055, issue coverage under its standardized ben…
RCW 48.66.050 Policy or certificate provisions prohibited by rule—Waivers restricted.
0.6K chars
(1) The insurance commissioner may issue reasonable rules that specify prohibited policy provisions not otherwise specifically authorized by statute which, in the opinion of the commissioner, are unfair, unjust, or unfairly discriminatory to any person insured or proposed to be i…
RCW 48.66.055 Termination or disenrollment—Application for coverage—Eligible persons—Types of policies—Guaranteed issue periods.
14.5K chars
(1) Under this section, persons eligible for a medicare supplement policy or certificate are those individuals described in subsection (3) of this section who, subject to subsection (3)(b)(ii) of this section, apply to enroll under the policy not later than sixty-three days after…
RCW 48.66.057 Rejection of medicare eligible person—When notice and information must be provided to applicant.
1.0K chars
Any medicare eligible person who is rejected for medical reasons, is required to accept restrictive riders, an up-rated premium, or preexisting conditions limitations, the effect of which is to substantially reduce coverage from that received by a person considered a standard ris…
RCW 48.66.060 Equal coverage of sickness and accidents.
0.2K chars
A medicare supplement insurance policy may not indemnify against losses resulting from sickness on a different basis than losses resulting from accidents.[ 1981 c 153 s 6.]
RCW 48.66.070 Adjustment of benefits and premiums for medicare cost-sharing.
0.3K chars
A medicare supplement insurance policy must provide that benefits designed to cover cost-sharing amounts under medicare will be changed automatically to coincide with any changes in the applicable medicare deductible amount and copayment percentage factors. Premiums may be modifi…
RCW 48.66.080 "Benefit period"—"Medicare benefit period"—Minimum requirements.
0.1K chars
"Benefit period" or "medicare benefit period" may not be defined more restrictively than as defined in the medicare program.[ 1981 c 153 s 8.]
RCW 48.66.090 Guaranteed renewable—Exceptions.
0.7K chars
All medicare supplement policies must be guaranteed renewable and a medicare supplement insurance policy may not provide that the policy may be canceled or nonrenewed by the insurer solely on the grounds of deterioration of health. The issuer shall not cancel or nonrenew the poli…
RCW 48.66.100 Loss ratio requirements—Mass sales practices of individual policies.
1.0K chars
(1) Medicare supplement insurance policies shall return to policyholders in the form of aggregate benefits under the policy, for the entire period for which rates are computed to provide coverage, loss ratios of:(a) At least seventy-five percent of the aggregate amount of premium…
RCW 48.66.110 Disclosure by insurer—Outline of coverage required.
0.3K chars
In order to provide for full and fair disclosure in the sale of medicare supplement policies, a medicare supplement policy or certificate shall not be delivered in this state unless an outline of coverage is delivered to the potential policyholder not later than the time of appli…
RCW 48.66.120 Return of policy and refund of premium—Notice required—Effect of return.
1.6K chars
(1) Every individual medicare supplement insurance policy issued after January 1, 1982, and every certificate issued pursuant to a group medicare supplement policy after January 1, 1982, shall have prominently displayed on the first page of the policy form or certificate a notice…
RCW 48.66.130 Preexisting condition limitations.
2.1K chars
(1) On or after January 1, 1996, and notwithstanding any other provision of Title 48 RCW, a medicare supplement policy or certificate shall not exclude or limit benefits for losses incurred more than three months from the effective date of coverage because it involved a preexisti…
RCW 48.66.140 Medical history.
0.3K chars
Any time that completion of a medical history of a patient is required in order for an application for a medicare supplement insurance policy to be accepted, that medical history must be completed by the applicant, a relative of the applicant, a legal guardian of the applicant, o…
RCW 48.66.150 Reporting and recordkeeping, separate data required.
0.4K chars
Commencing with reports for accounting periods beginning on or after January 1, 1982, insurers, health care service contractors, health maintenance organizations, and fraternal benefit societies shall, for reporting and recordkeeping purposes, separate data concerning medicare su…
RCW 48.66.160 Federal law supersedes.
0.5K chars
In any case where the provisions of this chapter conflict with provisions of the "Health Insurance For The Aged Act," Title XVIII of the Social Security Amendments of 1965, or any amendments thereto or regulations promulgated thereunder, regarding any contract between the secreta…
RCW 48.66.165 Conformity with federal law—Rules.
0.3K chars
The commissioner may adopt, from time-to-time, such rules as are necessary with respect to medicare supplemental insurance to conform Washington policies, contracts, certificates, standards, and practices to the requirements of federal law, specifically including 42 U.S.C. Sec. 1…
RCW 48.66.910 Effective date—1981 c 153.
0.1K chars
This act shall take effect January 1, 1982.[ 1981 c 153 s 19.]
RCW 48.66.920 Construction—Chapter applicable to state registered domestic partnerships—2009 c 521.
0.8K chars
For the purposes of this chapter, the terms spouse, marriage, marital, husband, wife, widow, widower, next of kin, and family shall be interpreted as applying equally to state registered domestic partnerships or individuals in state registered domestic partnerships as well as to …
RCW 48.68.005 Intent—Health care savings accounts authorized.
1.3K chars
(1) This chapter shall be known as the health care savings account act.(2) The legislature recognizes that the costs of health care are increasing rapidly and most individuals are removed from participating in the purchase of their health care.As a result, it becomes critical to …
RCW 48.68.010 Duties of governor and responsible agencies—Chapter to remain in effect.
1.0K chars
The governor and responsible agencies shall:(1) Request that the United States congress amend the internal revenue code to treat premiums and contributions to health benefits plans, such as health care savings account programs, basic health plans, conventional and standard health…
RCW 48.70.010 Legislative intent.
0.5K chars
This chapter shall be known as the specified disease insurance act and is intended to govern the content and sale of specified disease insurance as defined in this chapter. This chapter applies in addition to, rather than in place of, other requirements of Title 48 RCW. It is the…
RCW 48.70.020 Definitions—Rules.
0.6K chars
Unless the context clearly requires otherwise, the definitions in this section apply throughout this chapter.(1) "Specified disease policy" refers to any insurance policy or contract which provides benefits to a policyholder only in the event that the policyholder contracts the d…
RCW 48.70.030 Expected returns to policyholders—Rules.
0.8K chars
(1) Commencing with reports for the accounting periods beginning on or after July 1, 1983, specified disease policies shall be expected to return to policyholders in the form of aggregate loss ratios under the policy:(a) At least seventy-five percent of the earned premiums in the…
RCW 48.70.040 Rules required.
0.3K chars
By July 1, 1983, the commissioner shall adopt all rules necessary to ensure that specified disease policies provide a reasonable level of benefits to policyholders, and that purchasers and potential purchasers of such policies are fully informed of the level of benefits provided.…
RCW 48.70.900 Application of chapter.
0.2K chars
This chapter shall apply to all policies issued on or after July 1, 1983. This chapter shall not apply to services provided by health care service contractors as defined in RCW 48.44.010.[ 1982 c 181 s 24.]
RCW 48.74.010 Short title.
0.2K chars
This chapter may be known and cited as the standard valuation law.[ 2016 c 142 s 1; 1982 1st ex.s. c 9 s 1.]Notes:Effective date—2016 c 142: "Sections 1 through 19 of this act take effect January 1, 2017." [ 2016 c 142 s 21.]
RCW 48.74.015 Definitions—Applicable after valuation manual is operative.
3.0K chars
Beginning on the operative date of the valuation manual, the definitions in this section apply throughout this chapter unless the context clearly requires otherwise.(1) "Appointed actuary" means a qualified actuary who is appointed in accordance with the valuation manual to prepa…
RCW 48.74.020 Valuation of reserve liabilities—Applicable before valuation manual is operative.
1.5K chars
This section applies to policies and contracts issued prior to the operative date of the valuation manual.(1) The commissioner shall annually value, or cause to be valued, the reserve liabilities, hereinafter called reserves, for all outstanding life insurance policies and annuit…
RCW 48.74.022 Valuation of reserve liabilities—Applicable after valuation manual is operative.
0.9K chars
This section applies to policies and contracts issued on or after the operative date of the valuation manual.(1) The commissioner shall annually value, or cause to be valued, the reserve liabilities, called reserves, for all outstanding life insurance contracts, annuity and endow…
RCW 48.74.025 Reserves and related actuarial items—Opinion of a qualified actuary—Requirements for the opinion—Rules—Applicable before valuation manual is operative.
4.2K chars
This section applies to actuarial opinions prior to the operative date of the valuation manual.(1) Every life insurance company doing business in this state shall annually submit the opinion of a qualified actuary as to whether the reserves and related actuarial items held in sup…
RCW 48.74.026 Confidentiality of material submitted under RCW 48.74.025.
2.6K chars
(1)(a) The opinion and memorandum in support of the opinion submitted to the commissioner under RCW 48.74.025 are confidential and privileged, are exempt from disclosure pursuant to chapter 42.56 RCW, are not subject to subpoena, and are not subject to discovery or admissible in …
RCW 48.74.028 Reserves and related actuarial items—Opinion of a qualified actuary—Requirements for the opinion—Rules—Applicable after valuation manual is operative.
4.1K chars
This section applies to actuarial opinions of reserves after the operative date of the valuation manual.(1) Every company with outstanding life insurance contracts, accident and health insurance contracts, or deposit-type contracts in this state and subject to regulation by the c…
RCW 48.74.030 Minimum standard for valuation.
21.0K chars
(1) Except as provided in subsections (2) and (3) of this section, or in RCW 48.74.090, the minimum standard for the valuation of all such policies and contracts issued prior to July 10, 1982, shall be that provided by the laws in effect immediately prior to such date. Except as …
RCW 48.74.040 Amount of reserves required.
5.7K chars
(1) Except as otherwise provided in RCW 48.74.040(2), 48.74.070, and 48.74.090, reserves according to the commissioner's reserve valuation method, for the life insurance and endowment benefits of policies providing for a uniform amount of insurance and requiring the payment of un…
RCW 48.74.050 Minimum aggregate reserves.
0.9K chars
(1) In no event may a company's aggregate reserves for all life insurance policies, excluding disability and accidental death benefits, issued on or after July 10, 1982, be less than the aggregate reserves calculated in accordance with the methods set forth in RCW 48.74.040, 48.7…
RCW 48.74.060 Other methods of reserve calculation.
1.7K chars
(1) Reserves for all policies and contracts issued prior to July 10, 1982, may be calculated, at the option of the company, according to any standards which produce greater aggregate reserves for all such policies and contracts than the minimum reserves required by the laws in ef…