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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Know Your Rights – Long Term Care Insurance

Many people have long term care insurance, especially when they get older, because the cost of prolonged individual care due to an injury or illness can be significant.  For that reason, Long Term Care insurance is often part of people's estate plan. Long Term Care insurance can be subject to problems because the premiums get …

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Can the Insurance Company Retroactively Deny Your Claim On A New Basis After You File A Lawsuit?

Let's say you make an insurance claim, and the insurance company denies the claim for reason A.  You think they're wrong, so you take them to court and argue reason A is invalid and the company should have paid your claim.  In response, the insurance company admits reason A didn't apply but now argues your …

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