Chapter 48.20 RCW
DISABILITY INSURANCE

RCW SECTIONS

48.20.002Scope of chapter.
48.20.012Format of disability policies.
48.20.013Return of policy and refund of premium -- Notice required -- Effect of return.
48.20.015Endorsements.
48.20.022Policies issued by domestic insurer for delivery in another state.
48.20.025Schedule of rates for individual health benefit plans -- Loss ratio -- Remittance of premiums -- Definitions.
48.20.028Calculation of premiums -- Adjusted community rating method -- Definitions.
48.20.029Calculation of premiums -- Members of a purchasing pool -- Adjusted community rating method -- Definitions.
48.20.032Standard provisions required -- Substitutions -- Captions.
48.20.042Standard provision No. 1 -- Entire contract; changes.
48.20.050Standard provision No. 2 -- Misstatement of age or sex.
48.20.052Standard provision No. 3 -- Time limit on certain defenses.
48.20.062Standard provision No. 4 -- Grace period.
48.20.072Standard provision No. 5 -- Reinstatement.
48.20.082Standard provision No. 6 -- Notice of claim.
48.20.092Standard provision No. 7 -- Claim forms.
48.20.102Standard provision No. 8 -- Proofs of loss.
48.20.112Standard provision No. 9 -- Time of payment of claims.
48.20.122Standard provision No. 10 -- Payment of claims.
48.20.132Standard provision No. 11 -- Physical examination and autopsy.
48.20.142Standard provision No. 12 -- Legal actions.
48.20.152Standard provision No. 13 -- Change of beneficiary.
48.20.162Optional standard provisions.
48.20.172Optional standard provision No. 14 -- Change of occupation.
48.20.192Optional standard provision No. 15 -- Other insurance in this insurer.
48.20.202Optional standard provision No. 16 -- Insurance with other insurers (Provision of service or expense incurred basis).
48.20.212Optional standard provision No. 17 -- Insurance with other insurers.
48.20.222Optional standard provision No. 18 -- Relation of earnings to insurance.
48.20.232Optional standard provision No. 19 -- Unpaid premium.
48.20.242Optional standard provision No. 20 -- Cancellation.
48.20.252Optional standard provision No. 21 -- Conformity with state statutes.
48.20.262Optional standard provision No. 22 -- Illegal occupation.
48.20.282Order of certain policy provisions.
48.20.292Third party ownership.
48.20.302Requirements of other jurisdictions.
48.20.312Age limit.
48.20.322Effective date of standard provision and certain other sections -- Five year period.
48.20.340"Family expense disability insurance" defined.
48.20.350"Franchise plan" defined.
48.20.360Extended disability benefit.
48.20.380Incontestability after reinstatement.
48.20.385When injury caused by intoxication or use of narcotics.
48.20.390Podiatric medicine and surgery.
48.20.391Diabetes coverage.
48.20.392Prostate cancer screening.
48.20.393Mammograms -- Insurance coverage.
48.20.395Reconstructive breast surgery.
48.20.397Mastectomy, lumpectomy.
48.20.410Optometry.
48.20.411Registered nurses or advanced registered nurses.
48.20.412Chiropractic.
48.20.414Psychological services.
48.20.416Dentistry.
48.20.418Denturist services.
48.20.420Dependent child coverage -- Continuation for incapacity.
48.20.430Dependent child coverage -- From moment of birth -- Congenital anomalies -- Notification of birth.
48.20.435Option to cover dependents under age twenty-five.
48.20.450Standardization and simplification of terms and coverages -- Disclosure requirements.
48.20.460Standardization and simplification -- Minimum standards for benefits and coverages.
48.20.470Standardization and simplification -- Outline of coverage -- Format and contents.
48.20.480Standardization and simplification -- Simplified application form -- Coverage of loss from preexisting health condition.
48.20.490Continuation of coverage by former spouse and dependents.
48.20.500Coverage for adopted children.
48.20.510Cancellation of rider.
48.20.520Phenylketonuria.
48.20.525Prescriptions -- Preapproval of individual claims -- Subsequent rejection prohibited -- Written record required.
48.20.530Nonresident pharmacies.
48.20.550Fixed payment insurance -- Standard disclosure form.
48.20.555Fixed payment insurance -- Benefit restrictions.
48.20.580Mental health services -- Definition -- Coverage required, when.

NOTES:

Approval of policy forms: RCW 48.18.100.

Assignment of policies: RCW 48.18.360.

Exemption of proceeds: RCW 48.18.400.

General provisions regarding filing, approval, contents of policies, execution, applications, etc.: Chapter 48.18 RCW.

Grounds for disapproval of policy forms: RCW 48.18.110.

Insurable interest, personal insurance, nonprofit organizations: RCW 48.18.030.

Minimum standard conditions and terminology for disability policies, established by commissioner: RCW 48.18.120(2).

Minor contracting for life or disability insurance: RCW 48.18.020.

Payment to person designated in policy or by assignment discharges insurer: RCW 48.18.370.

Rates, manuals, classifications -- Filing: RCW 48.19.010(2).

Refusal to renew or cancellation of disability insurance: RCW 48.18.298, 48.18.299.