Washington § 48.84.040 Policies and contracts—Prohibited provisions.

Washington Statutes

§ 48.84.040 — Policies and contracts—Prohibited provisions.

Washington § 48.84.040

Title 48INSURANCE

Ch. 48.84LONG-TERM CARE INSURANCE ACT

This text of Washington § 48.84.040 (Policies and contracts—Prohibited provisions.) is published on Counsel Stack Legal Research, covering Washington primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook

Wash. Rev. Code § 48.84.040 (2026).

Text

No long-term care insurance policy or benefit contract may:

(1)Use riders, waivers, endorsements, or any similar method to limit or reduce coverage or benefits;

(2)Indemnify against losses resulting from sickness on a different basis than losses resulting from accidents;

(3)Be canceled, nonrenewed, or segregated at the time of rerating solely on the grounds of the age or the deterioration of the mental or physical health of the covered person;

(4)Exclude or limit coverage for preexisting conditions for a period of more than one year prior to the effective date of the policy or contract or more than six months after the effective date of the policy or contract;

(5)Differentiate benefit amounts on the basis of the type or level of nursing home care provided;

(6)Contain a provisio

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No long-term care insurance policy or benefit contract may:

(1) Use riders, waivers, endorsements, or any similar method to limit or reduce coverage or benefits;

(2) Indemnify against losses resulting from sickness on a different basis than losses resulting from accidents;

(3) Be canceled, nonrenewed, or segregated at the time of rerating solely on the grounds of the age or the deterioration of the mental or physical health of the covered person;

(4) Exclude or limit coverage for preexisting conditions for a period of more than one year prior to the effective date of the policy or contract or more than six months after the effective date of the policy or contract;

(5) Differentiate benefit amounts on the basis of the type or level of nursing home care provided;

(6) Contain a provision establishing any new waiting period in the event an existing policy or contract is converted to a new or other form within the same company.