Revised Code of Washington - RCW Title 48 Insurance - Chapter 48.83 Long-Term Care Insurance Coverage -- Standards

48.83.005 Intent
The intent of this chapter is to promote the public interest, support the availability of long-term care coverage, establish standards for long-term care coverage, facilitate ...

48.83.010 Application
This chapter applies to all long-term care insurance policies, contracts, or riders delivered or issued for delivery in this state on or after January 1, ...

48.83.020 Definitions
The definitions in this section apply throughout this chapter unless the context clearly requires otherwise. (1) "Applicant" means: (a) In the case of an individual ...

48.83.030 Out-of-state policy -- Restriction
A group long-term care insurance policy may not be offered to a resident of this state under a group policy issued in another state to ...

48.83.040 Preexisting conditions
(1) A long-term care insurance policy or certificate may not define "preexisting condition" more restrictively than as a condition for which medical advice or treatment ...

48.83.050 Prohibited policy terms and practices -- Field-issued, defined
No long-term care insurance policy may: (1) Be canceled, nonrenewed, or otherwise terminated on the grounds of the age or the deterioration of the mental ...

48.83.060 Right to return policy or certificate -- Refund
(1) Long-term care insurance applicants may return a policy or certificate for any reason within thirty days after its delivery and to have the premium ...

48.83.070 Required documents for prospective and approved applicants -- Contents -- When due
(1) An outline of coverage must be delivered to a prospective applicant for long-term care insurance at the time of initial solicitation through means that ...

48.83.080 Benefit funded through life insurance policy -- Acceleration of a death benefit
If a long-term care benefit funded through a life insurance policy by the acceleration of the death benefit is in benefit payment status, a monthly ...

48.83.090 Denial of claims -- Written explanation
All long-term care denials must be made within sixty days after receipt of a written request made by a policyholder or certificate holder, or his ...

48.83.100 Rescission of policy or certificate
(1) An issuer may rescind a long-term care insurance policy or certificate or deny an otherwise valid long-term care insurance claim if: (a) A policy ...

48.83.110 Inflation protection features -- Rules
(1) The commissioner must establish minimum standards for inflation protection features. (2) An issuer must comply with the rules adopted by the commissioner that establish ...

48.83.120 Nonforfeiture benefit option -- Offer required -- Rules
(1) Except as provided by this section, a long-term care insurance policy may not be delivered or issued for delivery in this state unless the ...

48.83.130 Selling, soliciting, or negotiating coverage -- Licensed insurance producers -- Training -- Issuers duties -- Rules
A person may not sell, solicit, or negotiate long-term care insurance unless he or she is appropriately licensed as an insurance producer and has successfully ...

48.83.140 Determining whether coverage is appropriate -- Suitability standards -- Information protected -- Rules
Issuers and their agents, if any, must determine whether issuing long-term care insurance coverage to a particular person is appropriate, except in the case of ...

48.83.150 Prohibited practices
A person engaged in the issuance or solicitation of long-term care coverage shall not engage in unfair methods of competition or unfair or deceptive acts ...

48.83.160 Violations -- Fine
An issuer or an insurance producer who violates a law or rule relating to the regulation of long-term care insurance or its marketing shall be ...

48.83.170 Rules, generally
(1) The commissioner must adopt rules that include standards for full and fair disclosure setting forth the manner, content, and required disclosures for the sale ...

48.83.900 Severability -- 2008 c 145
If any provision of this act or its application to any person or circumstance is held invalid, the remainder of the act or the application ...

48.83.901 Effective date -- 2008 c 145
This act takes effect January 1, 2009.[2008 c 145 § 24.] ...