RCW 48.20.450
Standardization and simplification of terms and coverages—Disclosure requirements.
The commissioner shall issue regulations to establish specific standards, including standards of full and fair disclosure, that set forth the manner, content, and required disclosure for the sale of individual policies of disability insurance which shall be in addition to and in accordance with applicable laws of this state, including RCW 48.20.450 through 48.20.480, which may cover but shall not be limited to:
(1) Terms of renewability;
(2) Initial and subsequent conditions of eligibility;
(3) Nonduplication of coverage provisions;
(4) Coverage of dependents;
(5) Preexisting conditions;
(6) Termination of insurance;
(7) Probationary periods;
(8) Limitations;
(9) Exceptions;
(10) Reductions;
(11) Elimination periods;
(12) Requirements for replacement;
(13) Recurrent conditions; and
(14) The definition of terms including but not limited to the following: Hospital, accident, sickness, injury, physician, accidental means, total disability, partial disability, nervous disorder, guaranteed renewable, and noncancellable.
[ 1985 c 264 § 11; 1975 1st ex.s. c 266 § 16.]
NOTES:
Purpose—1975 1st ex.s. c 266: "The purpose of *sections 14 through 18 of this 1975 amendatory act is to provide reasonable standardization and simplification of terms and coverages of individual disability insurance policies to facilitate public understanding and comparison, to eliminate provisions contained in individual disability insurance policies which may be misleading or unreasonably confusing in connection either with the purchase of such coverages or with the settlement of claims, and to provide for full disclosure in the sale of disability coverages." [ 1975 1st ex.s. c 266 § 15.]
*Reviser's note: During the course of passage of 1975 1st ex.s. c 266 [Substitute House Bill No. 198], the section numbering was changed, but the internal references were not changed accordingly. Thus the reference "sections 14 through 18 of this 1975 amendatory act" appears to be erroneous. Reference to "sections 15 through 19," codified herein as this section and RCW 48.20.450 through 48.20.480, was apparently intended.
Severability—1975 1st ex.s. c 266: See note following RCW 48.01.010.
Structure Revised Code of Washington
Chapter 48.20 - Disability Insurance.
48.20.012 - Format of disability policies.
48.20.013 - Return of policy and refund of premium—Notice required—Effect of return.
48.20.022 - Policies issued by domestic insurer for delivery in another state.
48.20.025 - Schedule of rates for individual health benefit plans—Loss ratio—Definitions.
48.20.028 - Calculation of premiums—Adjusted community rating method—Definitions.
48.20.032 - Standard provisions required—Substitutions—Captions.
48.20.042 - Standard provision No. 1—Entire contract; changes.
48.20.050 - Standard provision No. 2—Misstatement of age or sex.
48.20.052 - Standard provision No. 3—Time limit on certain defenses.
48.20.062 - Standard provision No. 4—Grace period.
48.20.072 - Standard provision No. 5—Reinstatement.
48.20.082 - Standard provision No. 6—Notice of claim.
48.20.092 - Standard provision No. 7—Claim forms.
48.20.102 - Standard provision No. 8—Proofs of loss.
48.20.112 - Standard provision No. 9—Time of payment of claims.
48.20.122 - Standard provision No. 10—Payment of claims.
48.20.132 - Standard provision No. 11—Physical examination and autopsy.
48.20.142 - Standard provision No. 12—Legal actions.
48.20.152 - Standard provision No. 13—Change of beneficiary.
48.20.162 - Optional standard provisions.
48.20.172 - Optional standard provision No. 14—Change of occupation.
48.20.192 - Optional standard provision No. 15—Other insurance in this insurer.
48.20.212 - Optional standard provision No. 17—Insurance with other insurers.
48.20.222 - Optional standard provision No. 18—Relation of earnings to insurance.
48.20.232 - Optional standard provision No. 19—Unpaid premium.
48.20.242 - Optional standard provision No. 20—Cancellation.
48.20.252 - Optional standard provision No. 21—Conformity with state statutes.
48.20.262 - Optional standard provision No. 22—Illegal occupation.
48.20.282 - Order of certain policy provisions.
48.20.292 - Third party ownership.
48.20.302 - Requirements of other jurisdictions.
48.20.340 - "Family expense disability insurance" defined.
48.20.350 - "Franchise plan" defined.
48.20.360 - Extended disability benefit.
48.20.380 - Incontestability after reinstatement.
48.20.385 - When injury caused by intoxication or use of narcotics.
48.20.389 - Prescribed, self-administered anticancer medication.
48.20.390 - Podiatric medicine and surgery.
48.20.391 - Diabetes coverage.
48.20.392 - Prostate cancer screening.
48.20.393 - Mammograms—Insurance coverage.
48.20.395 - Reconstructive breast surgery.
48.20.397 - Mastectomy, lumpectomy.
48.20.411 - Registered nurses or advanced registered nurses.
48.20.414 - Psychological services.
48.20.417 - Dental services that are not subject to contract or provider agreement.
48.20.418 - Denturist services.
48.20.420 - Dependent child coverage—Continuation for incapacity.
48.20.435 - Option to cover dependents under age twenty-six.
48.20.450 - Standardization and simplification of terms and coverages—Disclosure requirements.
48.20.460 - Standardization and simplification—Minimum standards for benefits and coverages.
48.20.470 - Standardization and simplification—Outline of coverage—Format and contents.
48.20.490 - Continuation of coverage by former spouse and dependents.
48.20.500 - Coverage for adopted children.
48.20.510 - Cancellation of rider.
48.20.530 - Nonresident pharmacies.
48.20.550 - Fixed payment insurance—Standard disclosure form.
48.20.555 - Fixed payment insurance—Benefit restrictions.
48.20.580 - Mental health services—Definition—Coverage required, when.
48.20.900 - Construction—Chapter applicable to state registered domestic partnerships—2009 c 521.