Washington State Enacts “Public Option” Health Insurance Plan

This week, Washington State passed a new law designed to offer consumers a so-called "pubic option" for buying health insurance.  The general idea is that the state will launch its own health insurance program to compete with the marketplace.  Unlike Medicare or Medicaid, anyone would have the option to purchase coverage through the "public option." …

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How Do I Know Whether To Make A Disability Insurance Claim?

Many people understand that they have disability insurance coverage, but aren't sure whether, when, or how to make a claim.  This confusion often results in people delaying in submitting a claim, which can potentially jeopardize their right to coverage.  Below is a guide to some of the issues you might consider in determining whether to …

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Washington Insurance Commissioner Targets Illegal “Health Sharing Ministries”

On May 13, 2019, Washington State's Insurance Commissioner announced regulatory action against two "Health Sharing Ministries" over selling health insurance illegally and engaging in deceptive business practices. The Insurance Commissioner alleged two Health Sharing Ministries, Aliera Healthcare and Trinity Healthshare, abused rules allowing religious nonprofits to act outside normal health insurance regulation.  Washington State insurance …

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Court Emphasizes Importance of Making Insurance Claims Promptly in ERISA Disability Dispute

A recent decision from our neighbors in the Portland, Oregon federal courts emphasizes that insurance policyholders should always strive to submit claims as soon as possible - especially where the insurance policy is covered by ERISA. Often, it's not practical to submit insurance claims as soon as the loss occurs.  When your house burns down, …

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Insurer’s Misreading of Policy Terms Results In Win For Policyholder

A cardinal principle of insurance law is that the fine print in an insurance policy must be interpreted consistent with the reasonable expectations of an ordinary person purchasing insurance. The Washington Court of Appeals recently emphasized that rule in its April 8, 2019 decision in Feenix Parkside LLC v. Berkley Nort Pacific.  In the Feenix the Court …

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