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Washington Administrative Code (WAC)

Chapter 83

Wash. Admin. Code ch. 284-83

Long-term Care Insurance Rules

INSURANCE COMMISSIONER, OFFICE OF THE

284-83-005Applicability and scope 284-83-010Definitions and standards 284-83-015Standards for policy definitions and terms 284-83-020Standards for policy provisions 284-83-025Unintentional lapse 284-83-030Required disclosure provisions 284-83-035Required disclosure of rating practices to consumers 284-83-040Initial rate filing requirements 284-83-045Prohibition against post-claims underwriting 284-83-050Minimum standards for home health and community care benefits in long-term care insurance policies 284-83-055Requirement to offer inflation protection 284-83-060Requirements for application forms and replacement coverage 284-83-063Notice to applicant regarding replacement of individual accident and sickness, supplemental long-term care insurance, or long-term care insurance marketed by an insurance producer 284-83-067Notice to applicant regarding replacement of direct-marketed individual accident and sickness or long-term care insurance 284-83-070Reporting requirements 284-83-075Discretionary powers of commissioner 284-83-080Reserve standards 284-83-090Premium rate schedule increases 284-83-095Filing requirements 284-83-100Filing requirements for advertising 284-83-105Standards for marketing 284-83-110Suitability 284-83-115Prohibition against preexisting conditions and probationary periods in replacement policies or certificates 284-83-120Availability of new services or providers 284-83-125Right to reduce coverage and lower premiums 284-83-130Nonforfeiture benefit requirement 284-83-135Standards for benefit triggers 284-83-140Qualified long-term care insurance policies—Additional standards for benefit triggers 284-83-145Standard format outline of coverage 284-83-150Requirement to deliver shopper's guide 284-83-155Prohibited practices 284-83-165Form for reporting rescission of long-term care policies 284-83-170Form of personal worksheet 284-83-175Disclosure form 284-83-180Response letter 284-83-185Sample claims denial reporting form 284-83-190Potential rate increase disclosure form 284-83-195Form for reporting replacement and lapse of long-term care insurance policies 284-83-210Definitions 284-83-220Grouping of policy forms for purposes of ratemaking and requests for rate increase 284-83-225Separation of data regarding certain policies 284-83-230Loss ratio requirements for long-term care insurance forms 284-83-240Experience records 284-83-245Evaluating experience data 284-83-250Life insurance policies that accelerate benefits for long-term care 284-83-300Standards for protecting patient privacy rights 284-83-310Right of insureds to receive confidential health services 284-83-320Standards for the issuer's timely review of a claim denial 284-83-325Prompt payment of clean claims 284-83-350Standard applied if there is a conflict between a master policy and certificate of insurance 284-83-400Purpose and authority 284-83-405Applicability and scope 284-83-410Minimum standards for long-term care partnership policies 284-83-415Long-term care partnership policy exchange or replacement 284-83-420Reporting 284-83-425Producer education