Chapter 284-212 WAC

SUPPLEMENTAL LONG-TERM CARE INSURANCE RULES

Last update: 2/4/26

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WAC Sections
HTMLPDF284-212-005Applicability and scope.
HTMLPDF284-212-010Definitions.
HTMLPDF284-212-015Standards for policy definitions and terms.
HTMLPDF284-212-020Standards for policy provisions.
HTMLPDF284-212-025Unintentional lapse.
HTMLPDF284-212-030Required disclosure provisions.
HTMLPDF284-212-035Required disclosure of rating practices to consumers.
HTMLPDF284-212-040Initial form and rate filing requirements.
HTMLPDF284-212-045Prohibition against post-claims underwriting.
HTMLPDF284-212-050Minimum standards for home health and community care benefits in supplemental long-term care insurance policies.
HTMLPDF284-212-053Independent third-party review.
HTMLPDF284-212-054Form for reporting independent third-party review decisions.
HTMLPDF284-212-055Requirement to offer inflation protection.
HTMLPDF284-212-060Requirements for application forms and replacement coverage.
HTMLPDF284-212-063Notice to applicant regarding replacement of individual accident and sickness, supplemental long-term care insurance, or long-term care insurance marketed by an insurance producer.
HTMLPDF284-212-067Notice to applicant regarding replacement of direct-marketed individual accident and sickness, supplemental long-term care insurance, or long-term care insurance.
HTMLPDF284-212-070Reporting requirements.
HTMLPDF284-212-075Discretionary powers of commissioner.
HTMLPDF284-212-080Reserve standards.
HTMLPDF284-212-090Premium rate schedule increases.
HTMLPDF284-212-095Filing requirements.
HTMLPDF284-212-100Filing requirements for advertising.
HTMLPDF284-212-105Standards for marketing.
HTMLPDF284-212-110Suitability.
HTMLPDF284-212-115Prohibition against preexisting conditions and probationary periods in replacement policies or certificates.
HTMLPDF284-212-120Availability of new services or providers.
HTMLPDF284-212-125Right to reduce coverage and lower premiums.
HTMLPDF284-212-130Nonforfeiture benefit requirement.
HTMLPDF284-212-135Standards for benefit triggers.
HTMLPDF284-212-140Qualified supplemental long-term care insurance policiesAdditional standards for benefit triggers.
HTMLPDF284-212-145Standard format outline of coverage.
HTMLPDF284-212-150Requirement to deliver consumer's guide.
HTMLPDF284-212-155Prohibited practices.
HTMLPDF284-212-165Form for reporting rescission of supplemental long-term care insurance policies.
HTMLPDF284-212-170Form of personal worksheet.
HTMLPDF284-212-175Disclosure form.
HTMLPDF284-212-180Response letter.
HTMLPDF284-212-185Sample claims denial reporting form.
HTMLPDF284-212-190Potential rate increase disclosure form.
HTMLPDF284-212-195Form for reporting replacement and lapse of supplemental long-term care insurance policies.
HTMLPDF284-212-210Definitions.
HTMLPDF284-212-220Grouping of policy forms for purposes of ratemaking and requests for rate increase.
HTMLPDF284-212-225Separation of data regarding certain policies.
HTMLPDF284-212-230Loss ratio requirements for supplemental long-term care insurance forms.
HTMLPDF284-212-240Experience records.
HTMLPDF284-212-245Evaluating experience data.
HTMLPDF284-212-250Life insurance policies that accelerate benefits for supplemental long-term care.
HTMLPDF284-212-255Supplemental long-term care insurance policy issued with life insurance policyRates and forms.
HTMLPDF284-212-300Standards for protecting patient privacy rights.
HTMLPDF284-212-310Right of insureds to receive confidential health services.
HTMLPDF284-212-320Standards for the issuer's timely review of a claim denial.
HTMLPDF284-212-325Prompt payment of clean claims.
HTMLPDF284-212-350Standard applied if there is a conflict between a master policy and certificate of insurance.
SUPPLEMENTAL LONG-TERM CARE PARTNERSHIP PROGRAM
HTMLPDF284-212-400Purpose and authority.
HTMLPDF284-212-405Applicability and scope.
HTMLPDF284-212-410Minimum standards for supplemental long-term care partnership policies.
HTMLPDF284-212-415Long-term care partnership policy exchange or replacement.
HTMLPDF284-212-420Reporting.
HTMLPDF284-212-425Producer education.