reglab/housing_qa huggingface dataset:
WA Rev Code § 48.76.070 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.76 - Standard Nonforfeiture Law for Life Insurance.|48.76.070 - Calculation of cash surrender value and paid-up nonforfeiture benefit.

RCW 48.76.070 Calculation of cash surrender value and paid-up nonforfeiture benefit.Any cash surrender value and any paid-up nonforfeiture benefit, available under the policy in the event of default in a premium payment due at any time other than on the policy anniversary, shall be calculated with allowance for the lapse of time and the payment of fractional premiums beyond the last preceding policy anniversary. All values referred to in RCW 48.76.030 through 48.76.050 may be calculated upon the assumption that any death benefit is payable at the end of the policy year of death. The net value of any paid-up additions, other than paid-up term additions, shall be not less than the amounts used to provide such additions. Notwithstanding the provisions of RCW 48.76.030, additional benefits payable: (1) In the event of death or dismemberment by accident or accidental means; (2) in the event of total and permanent disability; (3) as reversionary annuity or deferred reversionary annuity benefits; (4) as term insurance benefits provided by a rider or supplemental policy provision to which, if issued as a separate policy, this chapter would not apply; (5) as term insurance on the life of a child or on the lives of children provided in a policy on the life of a parent of the child, if such term insurance expires before the child's age is twenty-six, is uniform in amount after the child's age is one, and has not become paid-up by reason of the death of a parent of the child; and (6) as other policy benefits additional to life insurance and endowment benefits, and premiums for all such additional benefits, shall be disregarded in ascertaining cash surrender values and nonforfeiture benefits required by this chapter, and no such additional benefits shall be required to be included in any paid-up nonforfeiture benefits.[ 1982 1st ex.s. c 9 § 16.]
WA Rev Code § 48.76.090 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.76 - Standard Nonforfeiture Law for Life Insurance.|48.76.090 - Chapter inapplicable to certain policies.

RCW 48.76.090 Chapter inapplicable to certain policies.This chapter does not apply to any of the following:(1) Reinsurance;(2) Group insurance;(3) A pure endowment;(4) An annuity or reversionary annuity contract;(5) A term policy of a uniform amount, which provides no guaranteed nonforfeiture or endowment benefits, or renewal thereof, of twenty years or less expiring before age seventy-one, for which uniform premiums are payable during the entire term of the policy;(6) A term policy of a decreasing amount, which provides no guaranteed nonforfeiture or endowment benefits, on which each adjusted premium, calculated as specified in RCW 48.76.050, is less than the adjusted premium so calculated, on a term policy of uniform amount, or renewal thereof, which provides no guaranteed nonforfeiture or endowment benefits, issued at the same age and for the same initial amount of insurance and for a term of twenty years or less expiring before age seventy-one, for which uniform premiums are payable during the entire term of the policy;(7) A policy, which provides no guaranteed nonforfeiture or endowment benefits, for which no cash surrender value, if any, or present value of any paid-up nonforfeiture benefit, at the beginning of any policy year, calculated as specified in RCW 48.76.030 through 48.76.050, exceeds two and one-half percent of the amount of insurance at the beginning of the same policy year; nor(8) A policy which is delivered outside this state through an insurance producer or other representative of the company issuing the policy.For purposes of determining the applicability of this chapter, the age at expiration for a joint term life insurance policy is the age at expiration of the oldest life.[ 2008 c 217 § 66; 1982 1st ex.s. c 9 § 18.]NOTES:Severability—Effective date—2008 c 217: See notes following RCW 48.03.020.
WA Rev Code § 48.76.100 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.76 - Standard Nonforfeiture Law for Life Insurance.|48.76.100 - Operative date of chapter.

RCW 48.76.100 Operative date of chapter.After July 10, 1982, any company may file with the commissioner a written notice of its election to comply with the provisions of this chapter. After the filing of such notice, then upon such specified date (which shall be the operative date for such company), this chapter becomes operative with respect to the policies thereafter issued by such company. If a company makes no such election, the operative date of this chapter for such company shall be January 1, 1948.[ 1982 1st ex.s. c 9 § 19.]
WA Rev Code § 48.76.900 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.76 - Standard Nonforfeiture Law for Life Insurance.|48.76.900 - Construction—Chapter applicable to state registered domestic partnerships—2009 c 521.

RCW 48.76.900 Construction—Chapter applicable to state registered domestic partnerships—2009 c 521.For the purposes of this chapter, the terms spouse, marriage, marital, husband, wife, widow, widower, next of kin, and family shall be interpreted as applying equally to state registered domestic partnerships or individuals in state registered domestic partnerships as well as to marital relationships and married persons, and references to dissolution of marriage shall apply equally to state registered domestic partnerships that have been terminated, dissolved, or invalidated, to the extent that such interpretation does not conflict with federal law. Where necessary to implement chapter 521, Laws of 2009, gender-specific terms such as husband and wife used in any statute, rule, or other law shall be construed to be gender neutral, and applicable to individuals in state registered domestic partnerships.[ 2009 c 521 § 129.]
WA Rev Code § 48.80.010 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.80 - Health Care False Claim Act.|48.80.010 - Legislative finding—Short title.

RCW 48.80.010 Legislative finding—Short title.The legislature finds and declares that the welfare of the citizens of this state is threatened by the spiraling increases in the cost of health care. It is further recognized that fraudulent health care claims contribute to these increases in health care costs. In recognition of these findings, it is declared that special attention must be directed at eliminating the unjustifiable costs of fraudulent health care claims by establishing specific penalties and deterrents. This chapter may be known and cited as "the health care false claim act."[ 1986 c 243 § 1.]
WA Rev Code § 48.80.020 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.80 - Health Care False Claim Act.|48.80.020 - Definitions.

RCW 48.80.020 Definitions.Unless the context clearly requires otherwise, the definitions in this section apply throughout this chapter.(1) "Claim" means any attempt to cause a health care payer to make a health care payment.(2) "Deceptive" means presenting a claim to a health care payer that contains a statement of fact or fails to reveal a material fact, leading the health care payer to believe that the represented or suggested state of affairs is other than it actually is. For the purposes of this chapter, the determination of what constitutes a material fact is a question of law to be resolved by the court.(3) "False" means wholly or partially untrue or deceptive.(4) "Health care payment" means a payment for health care services or the right under a contract, certificate, or policy of insurance to have a payment made by a health care payer for a specified health care service.(5) "Health care payer" means any insurance company authorized to provide health insurance in this state, any health care service contractor authorized under chapter 48.44 RCW, any health maintenance organization authorized under chapter 48.46 RCW, any legal entity which is self-insured and providing health care benefits to its employees, and any insurer or other person responsible for paying for health care services.(6) "Person" means an individual, corporation, partnership, association, or other legal entity.(7) "Provider" means any person lawfully licensed or authorized to render any health service.[ 1995 c 285 § 25; 1986 c 243 § 2.]NOTES:Effective date—1995 c 285: See RCW 48.30A.900.
WA Rev Code § 48.80.030 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.80 - Health Care False Claim Act.|48.80.030 - Making false claims, concealing information—Penalty—Exclusions.

RCW 48.80.030 Making false claims, concealing information—Penalty—Exclusions.(1) A person shall not make or present or cause to be made or presented to a health care payer a claim for a health care payment knowing the claim to be false.(2) No person shall knowingly present to a health care payer a claim for a health care payment that falsely represents that the goods or services were medically necessary in accordance with professionally accepted standards. Each claim that violates this subsection shall constitute a separate offense.(3) No person shall knowingly make a false statement or false representation of a material fact to a health care payer for use in determining rights to a health care payment. Each claim that violates this subsection shall constitute a separate violation.(4) No person shall conceal the occurrence of any event affecting his or her initial or continued right under a contract, certificate, or policy of insurance to have a payment made by a health care payer for a specified health care service. A person shall not conceal or fail to disclose any information with intent to obtain a health care payment to which the person or any other person is not entitled, or to obtain a health care payment in an amount greater than that which the person or any other person is entitled.(5) No provider shall willfully collect or attempt to collect an amount from an insured knowing that to be in violation of an agreement or contract with a health care payor to which the provider is a party.(6) A person who violates this section is guilty of a class C felony punishable under chapter 9A.20 RCW.(7) This section does not apply to statements made on an application for coverage under a contract or certificate of health care coverage issued by an insurer, health care service contractor, health maintenance organization, or other legal entity which is self-insured and providing health care benefits to its employees.[ 1990 c 119 § 11; 1986 c 243 § 3.]
WA Rev Code § 48.80.040 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.80 - Health Care False Claim Act.|48.80.040 - Use of circumstantial evidence.

RCW 48.80.040 Use of circumstantial evidence.In a prosecution under this chapter, circumstantial evidence may be presented to demonstrate that a false statement or claim was knowingly made. Such evidence may include but shall not be limited to the following circumstances:(1) Where a claim for a health care payment is submitted with the person's actual, facsimile, stamped, typewritten, or similar signature on the form required for the making of a claim for health care payment; and(2) Where a claim for a health care payment is submitted by means of computer billing tapes or other electronic means if the person has advised the health care payer in writing that claims for health care payment will be submitted by use of computer billing tapes or other electronic means.[ 1986 c 243 § 4.]
WA Rev Code § 48.80.050 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.80 - Health Care False Claim Act.|48.80.050 - Civil action not limited.

RCW 48.80.050 Civil action not limited.This chapter shall not be construed to prohibit or limit a prosecution of or civil action against a person for the violation of any other law of this state.[ 1986 c 243 § 5.]
WA Rev Code § 48.80.060 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.80 - Health Care False Claim Act.|48.80.060 - Conviction of provider, notification to regulatory agency.

RCW 48.80.060 Conviction of provider, notification to regulatory agency.Upon the conviction under this chapter of any provider, the prosecutor shall provide written notification to the appropriate regulatory or disciplinary agency of such conviction.[ 1986 c 243 § 6.]
WA Rev Code § 48.83.005 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.83 - Long-Term Care Insurance Coverage—Standards.|48.83.005 - Intent.

RCW 48.83.005 Intent.The intent of this chapter is to promote the public interest, support the availability of long-term care coverage, establish standards for long-term care coverage, facilitate public understanding and comparison of long-term care contract benefits, protect persons insured under long-term care insurance policies and certificates, protect applicants for long-term care policies from unfair or deceptive sales or enrollment practices, and provide for flexibility and innovation in the development of long-term care insurance coverage.[ 2008 c 145 § 1.]
WA Rev Code § 48.83.010 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.83 - Long-Term Care Insurance Coverage—Standards.|48.83.010 - Application.

RCW 48.83.010 Application.This chapter applies to all long-term care insurance policies, contracts, or riders delivered or issued for delivery in this state on or after January 1, 2009. This chapter does not supersede the obligations of entities subject to this chapter to comply with other applicable laws to the extent that they do not conflict with this chapter, except that laws and regulations designed and intended to apply to medicare supplement insurance policies shall not be applied to long-term care insurance.(1) Coverage advertised, marketed, or offered as long-term care insurance shall comply with the provisions of this chapter. Any coverage, policy, or rider advertised, marketed, or offered as long-term care or nursing home insurance shall comply with the provisions of this chapter.(2) Individual and group long-term care contracts issued prior to January 1, 2009, remain governed by chapter 48.84 RCW and rules adopted thereunder.(3) This chapter is not intended to prohibit approval of long-term care funded through life insurance.[ 2008 c 145 § 2.]
WA Rev Code § 48.83.030 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.83 - Long-Term Care Insurance Coverage—Standards.|48.83.030 - Out-of-state policy—Restriction.

RCW 48.83.030 Out-of-state policy—Restriction.A group long-term care insurance policy may not be offered to a resident of this state under a group policy issued in another state to a group described in RCW 48.83.020(6)(d), unless this state or another state having statutory and regulatory long-term care insurance requirements substantially similar to those adopted in this state has made a determination that such requirements have been met.[ 2008 c 145 § 4.]
WA Rev Code § 48.83.040 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.83 - Long-Term Care Insurance Coverage—Standards.|48.83.040 - Preexisting conditions.

RCW 48.83.040 Preexisting conditions.(1) A long-term care insurance policy or certificate may not define "preexisting condition" more restrictively than as a condition for which medical advice or treatment was recommended by or received from a provider of health care services, within six months preceding the effective date of coverage of an insured person, unless the policy or certificate applies to group long-term care insurance under RCW 48.83.020(6) (a), (b), or (c).(2) A long-term care insurance policy or certificate may not exclude coverage for a loss or confinement that is the result of a preexisting condition unless the loss or confinement begins within six months following the effective date of coverage of an insured person, unless the policy or certificate applies to a group as defined in RCW 48.83.020(6)(a).(3) The commissioner may extend the limitation periods for specific age group categories in specific policy forms upon finding that the extension is in the best interest of the public.(4) An issuer may use an application form designed to elicit the complete health history of an applicant and underwrite in accordance with that issuer's established underwriting standards, based on the answers on that application. Unless otherwise provided in the policy or certificate and regardless of whether it is disclosed on the application, a preexisting condition need not be covered until the waiting period expires.(5) A long-term care insurance policy or certificate may not exclude or use waivers or riders to exclude, limit, or reduce coverage or benefits for specifically named or described preexisting diseases or physical conditions beyond the waiting period.[ 2008 c 145 § 5.]
WA Rev Code § 48.83.050 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.83 - Long-Term Care Insurance Coverage—Standards.|48.83.050 - Prohibited policy terms and practices—Field-issued, defined.

RCW 48.83.050 Prohibited policy terms and practices—Field-issued, defined.No long-term care insurance policy may:(1) Be canceled, nonrenewed, or otherwise terminated on the grounds of the age or the deterioration of the mental or physical health of the insured individual or certificate holder;(2) Contain a provision establishing a new waiting period in the event existing coverage is converted to or replaced by a new or other form within the same company, except with respect to an increase in benefits voluntarily selected by the insured individual or group policyholder;(3) Provide coverage for skilled nursing care only or provide significantly more coverage for skilled care in a facility than coverage for lower levels of care;(4) Condition eligibility for any benefits on a prior hospitalization requirement;(5) Condition eligibility for benefits provided in an institutional care setting on the receipt of a higher level of institutional care;(6) Condition eligibility for any benefits other than waiver of premium, postconfinement, postacute care, or recuperative benefits on a prior institutionalization requirement;(7) Include a postconfinement, postacute care, or recuperative benefit unless:(a) Such requirement is clearly labeled in a separate paragraph of the policy or certificate entitled "Limitations or Conditions on Eligibility for Benefits"; and(b) Such limitations or conditions specify any required number of days of preconfinement or postconfinement;(8) Condition eligibility for noninstitutional benefits on the prior receipt of institutional care;(9) A long-term care insurance policy or certificate may be field-issued if the compensation to the field issuer is not based on the number of policies or certificates issued. For purposes of this section, "field-issued" means a policy or certificate issued by a producer or a third-party administrator of the policy pursuant to the underwriting authority by an issuer and using the issuer's underwriting guidelines.[ 2008 c 145 § 6.]
WA Rev Code § 48.83.060 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.83 - Long-Term Care Insurance Coverage—Standards.|48.83.060 - Right to return policy or certificate—Refund.

RCW 48.83.060 Right to return policy or certificate—Refund.(1) Long-term care insurance applicants may return a policy or certificate for any reason within thirty days after its delivery and to have the premium refunded.(2) All long-term care insurance policies and certificates shall have a notice prominently printed on or attached to the first page of the policy stating that the applicant may return the policy or certificate within thirty days after its delivery and to have the premium refunded.(3) Refunds or denials of applications must be made within thirty days of the return or denial.(4) This section shall not apply to certificates issued pursuant to a policy issued to a group defined in RCW 48.83.020(6)(a).[ 2008 c 145 § 7.]
WA Rev Code § 48.83.070 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.83 - Long-Term Care Insurance Coverage—Standards.|48.83.070 - Required documents for prospective and approved applicants—Contents—When due.

RCW 48.83.070 Required documents for prospective and approved applicants—Contents—When due.(1) An outline of coverage must be delivered to a prospective applicant for long-term care insurance at the time of initial solicitation through means that prominently direct the attention of the recipient to the document and its purpose.(a) The commissioner must prescribe a standard format, including style, arrangement, overall appearance, and the content of an outline of coverage.(b) When an insurance producer makes a solicitation in person, he or she must deliver an outline of coverage before presenting an application or enrollment form.(c) In a direct response solicitation, the outline of coverage must be presented with an application or enrollment form.(d) If a policy is issued to a group as defined in RCW 48.83.020(6)(a), an outline of coverage is not required to be delivered, if the information that the commissioner requires to be included in the outline of coverage is in other materials relating to enrollment. Upon request, any such materials must be made available to the commissioner.(2) If an issuer approves an application for a long-term care insurance contract or certificate, the issuer must deliver the contract or certificate of insurance to the applicant within thirty days after the date of approval. A policy summary must be delivered with an individual life insurance policy that provides long-term care benefits within the policy or by rider. In a direct response solicitation, the issuer must deliver the policy summary, upon request, before delivery of the policy, if the applicant requests a summary.(a) The policy summary shall include:(i) An explanation of how the long-term care benefit interacts with other components of the policy, including deductions from any applicable death benefits;(ii) An illustration of the amount of benefits, the length of benefits, and the guaranteed lifetime benefits if any, for each covered person;(iii) Any exclusions, reductions, and limitations on benefits of long-term care;(iv) A statement that any long-term care inflation protection option required by RCW 48.83.110 is not available under this policy; and(v) If applicable to the policy type, the summary must also include:(A) A disclosure of the effects of exercising other rights under the policy;(B) A disclosure of guarantees related to long-term care costs of insurance charges; and(C) Current and projected maximum lifetime benefits.(b) The provisions of the policy summary may be incorporated into a basic illustration required under chapter 48.23A RCW, or into the policy summary which is required under rules adopted by the commissioner.[ 2008 c 145 § 8.]
WA Rev Code § 48.83.080 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.83 - Long-Term Care Insurance Coverage—Standards.|48.83.080 - Benefit funded through life insurance policy—Acceleration of a death benefit.

RCW 48.83.080 Benefit funded through life insurance policy—Acceleration of a death benefit.If a long-term care benefit funded through a life insurance policy by the acceleration of the death benefit is in benefit payment status, a monthly report must be provided to the policyholder. The report must include:(1) A record of all long-term care benefits paid out during the month;(2) An explanation of any changes in the policy resulting from paying the long-term care benefits, such as a change in the death benefit or cash values; and(3) The amount of long-term care benefits that remain to be paid.[ 2008 c 145 § 9.]