Group and Blanket Disability Insurance (group and blanket accident and health policy provisions, eligibility, continuation, conversion)

What this document is

Chapter 48.21 RCW - Group and Blanket Disability Insurance (group and blanket accident and health policy provisions, eligibility, continuation, conversion) 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 § 48.21.080 (Certificates of coverage)

  “In group disability insurance policies there shall be a provision that the insurer shall issue to the employer, the policyholder, or other person or association in whose name such policy is issued, for delivery to each insured employee or member, a certificate setting forth in summary form a...”

• RCW tit. 48 § 48.21.250 (Continuation option to be offered)

  “Every insurer that issues policies providing group coverage for hospital or medical expense shall offer the policyholder an option to include a policy provision granting a person who becomes ineligible for coverage under the group policy, the right to continue the group benefits for a period of...”

• RCW tit. 48 § 48.21.260(2)(a) (Conversion policy to be offered: Exceptions, conditions)

  “(2) An insurer need not offer a conversion policy to: (a) A person whose coverage under the group policy ended when the person's employment or membership was terminated for misconduct: PROVIDED, That when a person's employment or membership is terminated for misconduct, a conversion policy shall be...”

• RCW tit. 48 § 48.21.020 ("Employees," "employer" defined)

  “The term "employer" as used in this chapter shall be deemed to include any municipal corporation or governmental unit, agency or department thereof as well as private individuals, firms, corporations and other persons.”

• RCW tit. 48 § 48.21.060 (The contract: Representations)

  “There shall be a provision that a copy of the application, if any, of the policyholder shall be attached to the policy when issued; that all statements made by the policyholder or by the individuals insured shall in the absence of fraud be deemed representations and not warranties, and that no...”

• RCW 48.21.075

  “Any employee whose compensation includes group disability or blanket disability insurance providing health care services, the premiums for which are paid in full or in part by an employer including the state of Washington, its political subdivisions, or municipal corporations, or paid by payroll...”

• RCW 48.21.110

  “The benefits payable under any policy or contract of group or blanket disability insurance shall be payable to the employee or other insured member of the group or to the beneficiary designated by him or her, other than the policyholder, employer or the association or any officer thereof as such,...”

• RCW 48.21.270(1) and (2)

  “(1) An insurer shall not require proof of insurability as a condition for issuance of the conversion policy. (2) A conversion policy may not contain an exclusion for preexisting conditions for any applicant.”

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