Disability Insurance (individual accident and health policy provisions, required and optional provisions)

What this document is

Chapter 48.20 RCW - Disability Insurance (individual accident and health policy provisions, required and optional provisions) is a state statute published by app.leg.wa.gov. It is one of the Washington documents that insurance license exam questions are written from, including washington life & health practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.

• RCW tit. 48 § 48.20.102 (Standard Provision No. 8, Proofs of Loss)

  “PROOFS OF LOSS: Written proof of loss must be furnished to the insurer at its said office in case of claim for loss for which this policy provides any periodic payment contingent upon continuing loss within ninety days after the termination of the period for which the insurer is liable and in case...”

• RCW tit. 48 § 48.20.082 (Standard Provision No. 6, Notice of Claim)

  “NOTICE OF CLAIM: Written notice of claim must be given to the insurer within twenty days after the occurrence or commencement of any loss covered by the policy, or as soon thereafter as is reasonably possible. Notice given by or on behalf of the insured or the beneficiary to the insurer at . . . ....”

• RCW tit. 48 § 48.20.242 (Optional Standard Provision No. 20, Cancellation)

  “In the event of cancellation, the insurer will return promptly the unearned portion of any premium paid. If the insured cancels, the earned premium shall be computed by the use of the short-rate table last filed with the state official having supervision of insurance in the state where the insured...”

• RCW tit. 48 § 48.20.032 (Standard provisions required, substitutions, captions)

  “Except as provided in RCW 48.18.130, each such policy delivered or issued for delivery to any person in this state shall contain the provisions as specified in RCW 48.20.042 to 48.20.152, inclusive, in the words in which the same appear; except, that the insurer may, at its option, substitute for...”

• RCW tit. 48 § 48.20.112 (Standard Provision No. 9, Time of Payment of Claims)

  “TIME OF PAYMENT OF CLAIMS: Indemnities payable under this policy for any loss other than loss for which this policy provides any periodic payment will be paid immediately upon receipt of due written proof of such loss.”

• RCW 48.20.385

  “An insurer may not deny coverage for the treatment of an injury solely because the injury was sustained as a consequence of the insured's being intoxicated or under the influence of a narcotic.”

• RCW 48.20.490

  “Every policy of disability insurance issued, amended, or renewed after June 12, 1980, for an individual and his/her dependents shall contain provisions to assure that the covered spouse and/or dependents, in the event that any cease to be a qualified family member by reason of termination of...”

• RCW 48.20.510

  “Upon application by an insured, a rider shall be canceled if at least five years after its issuance, no health care services have been received by the insured during that time for the condition specified in the rider, and a physician, selected by the carrier for that purpose, agrees in writing to...”

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Questions about this source

More Washington sources

• RCW Title 48, Chapter 48.30 - Unfair Practices and Frauds (selected sections 48.30.010-48.30.155)State statute
• RCW Title 48, Chapter 48.17 - Insurance Producers, Title Insurance Agents and Adjusters (selected sections 48.17.060-48.17.600)State statute
• Chapter 48.05 RCW - Authorization of Insurers and General Requirements (certificate of authority, admission, deposits, discipline)State statute
• Chapter 48.22 RCW - Casualty Insurance (personal injury protection, underinsured and hit-and-run motorist coverage, assigned risk plans)State statute
• Chapter 48.02 RCW - Insurance Commissioner (broad powers, rule-making, orders, hearings and enforcement)State statute
• Chapter 48.03 RCW - Examinations (examination of the affairs and records of insurers and licensees)State statute
• Chapter 48.01 RCW - General Provisions (scope, and the definitions of insurance, insurer, insurance transaction and the public interest)State statute
• Chapter 48.21 RCW - Group and Blanket Disability Insurance (group and blanket accident and health policy provisions, eligibility, continuation, conversion)State statute