Date proposed
Proposed
Consumers
Insurers and regulated entities
Producers and adjusters
Rulemaking is necessary to implement ESSB 5291, which created supplemental long-term care insurance.

Supplemental long-term care insurance is a new product type that pays for long-term care expenses once benefits under the WA Cares program have been exhausted. Since it is a new product, no rules currently exist for supplemental long-term care. The proposed rule will provide necessary clarity so that affected parties understand their rights and obligations under the new law.

Specifically, ESSB 5291 directed the Commissioner to write rules that include the following provisions related to supplemental long-term care insurance: 

  • Mandatory disclosures to supplemental long-term care consumers; 
  • Loss ratio standards; 
  • Consumer protections related to premium adequacy and large rate increases;  
  • Marketing practices; 
  • Producer education, compensation, and testing; 
  • Penalties; 
  • Reporting practices; 
  • Patient privacy & confidentiality rights; 
  • Prompt payment requirements, and timely review standards for denied claims; and 
  • Other reasonable rules to carry out the new chapter. 

Rulemaking process

Submit a comment to the rules coordinator

CR-101 (PDF 51.02 KB)

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