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Cascades.</image:caption></image:image><image:image><image:loc>https://seattleinsuranceanderisablog.com/wp-content/uploads/2018/04/img_1406.jpg</image:loc><image:title>IMG_1406</image:title></image:image><lastmod>2026-03-06T16:31:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://seattleinsuranceanderisablog.com/2018/05/10/erisa-discretionary-clause/</loc><image:image><image:loc>https://seattleinsuranceanderisablog.com/wp-content/uploads/2018/05/img_0599.jpg</image:loc><image:title>IMG_0599</image:title></image:image><image:image><image:loc>https://seattleinsuranceanderisablog.com/wp-content/uploads/2018/05/img_0547.jpg</image:loc><image:title>IMG_0547</image:title><image:caption>Glen Coe, Scottland.</image:caption></image:image><lastmod>2026-03-06T16:31:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://seattleinsuranceanderisablog.com/2018/05/31/erisa-appeal-process-guide/</loc><image:image><image:loc>https://seattleinsuranceanderisablog.com/wp-content/uploads/2018/05/img_1127.jpg</image:loc><image:title>IMG_1127</image:title></image:image><lastmod>2026-03-06T16:31:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://seattleinsuranceanderisablog.com/2018/09/28/erisa-long-term-disability-objective-evidence/</loc><lastmod>2026-03-06T16:30:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://seattleinsuranceanderisablog.com/2019/08/07/erisa-claim-appeal-deadlines/</loc><lastmod>2026-03-06T16:30:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://seattleinsuranceanderisablog.com/2019/11/26/ninth-circuit-emphasizes-importance-of-erisa-claims-handling-regulation-in-reversing-ltd-benefit-denial/</loc><image:image><image:loc>https://seattleinsuranceanderisablog.com/wp-content/uploads/2019/11/img_1510.jpeg</image:loc><image:title>IMG_1510</image:title></image:image><lastmod>2026-03-06T16:30:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://seattleinsuranceanderisablog.com/2020/01/08/erisa-insurers-hiding-doctors-opinions-results-in-appellate-win-for-claimant/</loc><lastmod>2026-03-06T16:30:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://seattleinsuranceanderisablog.com/2020/03/25/coronavirus-covid-19-insurance-business-interruption-disability-health/</loc><image:image><image:loc>https://seattleinsuranceanderisablog.com/wp-content/uploads/2020/03/img_1039.jpg</image:loc><image:title>IMG_1039</image:title></image:image><lastmod>2026-03-06T16:30:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://seattleinsuranceanderisablog.com/2020/05/18/erisa-claim-deadlines-extended-due-to-covid-19/</loc><image:image><image:loc>https://seattleinsuranceanderisablog.com/wp-content/uploads/2020/05/img_2920.jpeg</image:loc><image:title>IMG_2920</image:title></image:image><lastmod>2026-03-06T16:30:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://seattleinsuranceanderisablog.com/2020/10/30/coney-barrett-erisa-ginsburg-fessenden/</loc><image:image><image:loc>https://seattleinsuranceanderisablog.com/wp-content/uploads/2020/10/img_0068.jpg</image:loc><image:title>IMG_0068</image:title></image:image><lastmod>2026-03-06T16:29:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://seattleinsuranceanderisablog.com/2020/11/23/court-ruling-illustrates-the-limits-erisa-places-on-insurers-discretion-to-decide-claims/</loc><image:image><image:loc>https://seattleinsuranceanderisablog.com/wp-content/uploads/2020/11/img_0499.jpg</image:loc><image:title>IMG_0499</image:title></image:image><image:image><image:loc>https://seattleinsuranceanderisablog.com/wp-content/uploads/2020/11/img_2325.jpg</image:loc><image:title>IMG_2325</image:title></image:image><image:image><image:loc>https://seattleinsuranceanderisablog.com/wp-content/uploads/2020/11/img_3042.jpg</image:loc><image:title>IMG_3042</image:title></image:image><lastmod>2026-03-06T16:29:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://seattleinsuranceanderisablog.com/2022/04/28/dont-assume-all-employer-adjacent-insurance-is-erisa-governed-says-ninth-circuit/</loc><image:image><image:loc>https://seattleinsuranceanderisablog.com/wp-content/uploads/2022/04/img_4443.jpg</image:loc><image:title>IMG_4443</image:title></image:image><lastmod>2026-03-06T16:29:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://seattleinsuranceanderisablog.com/2022/05/31/insurers-ability-to-deny-claims-because-we-said-so-limited-in-proposed-amendment-to-erisa/</loc><lastmod>2026-03-06T16:29:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://seattleinsuranceanderisablog.com/2023/02/27/ninth-circuit-ruling-elevates-hidden-fine-print-to-reduce-erisa-plan-benefit/</loc><image:image><image:loc>https://seattleinsuranceanderisablog.com/wp-content/uploads/2023/02/img_2773.jpg</image:loc><image:title>IMG_2773</image:title></image:image><lastmod>2026-03-06T16:29:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://seattleinsuranceanderisablog.com/2025/10/07/ninth-circuit-establishes-pro-employee-test-for-releasing-erisa-rights/</loc><image:image><image:loc>https://seattleinsuranceanderisablog.com/wp-content/uploads/2025/10/img_2642.jpg</image:loc><image:title>IMG_2642</image:title></image:image><lastmod>2026-03-06T16:29:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://seattleinsuranceanderisablog.com/2019/01/25/disability-insurance-provisions-erisa-mental-health-objective/</loc><image:image><image:loc>https://seattleinsuranceanderisablog.com/wp-content/uploads/2019/01/img_0595.jpeg</image:loc><image:title>img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the trek through South Dakota. </image:caption></image:image><image:image><image:loc>https://seattleinsuranceanderisablog.com/wp-content/uploads/2018/03/img_61081.jpg</image:loc><image:title>IMG_6108</image:title><image:caption>Exploring the Cascades</image:caption></image:image><lastmod>2026-03-02T21:56:58+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://seattleinsuranceanderisablog.com/2026/02/05/will-2026-bring-meaningful-regulatory-updates-to-washington-policyholders/</loc><lastmod>2026-02-06T00:07:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://seattleinsuranceanderisablog.com/2026/01/11/washington-legislature-passes-new-protections-for-mental-health-insurance-coverage/</loc><lastmod>2026-01-12T00:22:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://seattleinsuranceanderisablog.com/2025/05/28/health-plan-must-pay-for-childs-medically-necessary-mental-health-treatment-says-ninth-circuit/</loc><lastmod>2025-05-28T16:12:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://seattleinsuranceanderisablog.com/2024/09/03/washington-court-of-appeals-enforces-insurance-protections-for-domestic-violence-victims/</loc><lastmod>2024-09-03T21:49:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://seattleinsuranceanderisablog.com/2024/07/30/washington-court-of-appeals-emphasizes-distinction-between-replacement-cost-and-actual-cash-value-in-homeowners-insurance-coverage/</loc><image:image><image:loc>https://seattleinsuranceanderisablog.com/wp-content/uploads/2024/07/img_0163.jpg</image:loc><image:title>IMG_0163</image:title></image:image><lastmod>2024-07-30T17:07:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://seattleinsuranceanderisablog.com/2024/05/29/washington-supreme-court-emphasizes-power-of-ensuing-loss-clauses-to-preserve-insurance-coverage/</loc><lastmod>2024-05-29T15:42:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://seattleinsuranceanderisablog.com/2024/01/31/washington-supreme-court-upholds-narrow-interpretation-of-mental-health-parity-laws/</loc><image:image><image:loc>https://seattleinsuranceanderisablog.com/wp-content/uploads/2024/01/img_5877.jpg</image:loc><image:title>IMG_5877</image:title></image:image><lastmod>2024-02-01T00:48:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://seattleinsuranceanderisablog.com/2023/12/07/washington-federal-court-helps-clarify-meaning-of-ifcas-payment-of-benefits-provision/</loc><image:image><image:loc>https://seattleinsuranceanderisablog.com/wp-content/uploads/2023/12/barred-owl-dans-la-maison-3.jpg</image:loc><image:title>barred 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trail near Lake Ozette.</image:caption></image:image><lastmod>2018-05-22T18:34:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://seattleinsuranceanderisablog.com/2018/05/17/add-erisa-causation-ninth-circuit-dowdy-metlife/</loc><image:image><image:loc>https://seattleinsuranceanderisablog.com/wp-content/uploads/2018/05/img_1681.jpg</image:loc><image:title>IMG_1681</image:title></image:image><lastmod>2018-05-17T15:53:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://seattleinsuranceanderisablog.com/2018/05/15/hawaii-lava-insurance-homeowners/</loc><image:image><image:loc>https://seattleinsuranceanderisablog.com/wp-content/uploads/2018/05/img_1731.jpg</image:loc><image:title>IMG_1731</image:title></image:image><image:image><image:loc>https://seattleinsuranceanderisablog.com/wp-content/uploads/2018/05/img_1670.jpg</image:loc><image:title>IMG_1670</image:title><image:caption>Sea-stacks on Cape Alava, near Ozette, Washington. 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Dakota.</image:caption></image:image><lastmod>2018-05-08T15:39:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://seattleinsuranceanderisablog.com/2018/05/03/flood-insurance-claim-denied/</loc><image:image><image:loc>https://seattleinsuranceanderisablog.com/wp-content/uploads/2018/05/img_0903.jpg</image:loc><image:title>IMG_0903</image:title></image:image><lastmod>2018-05-03T16:54:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://seattleinsuranceanderisablog.com/2018/05/01/ifca-cpa-made-whole/</loc><image:image><image:loc>https://seattleinsuranceanderisablog.com/wp-content/uploads/2018/05/img_1095.jpg</image:loc><image:title>IMG_1095</image:title></image:image><image:image><image:loc>https://seattleinsuranceanderisablog.com/wp-content/uploads/2018/05/img_1052.jpg</image:loc><image:title>IMG_1052</image:title><image:caption>Snow lake trail, Central Cascades.</image:caption></image:image><lastmod>2018-05-01T18:47:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://seattleinsuranceanderisablog.com/2018/04/26/court-rules-school-buses-are-not-automobiles-under-state-farm-insurance-policy-fine-print/</loc><image:image><image:loc>https://seattleinsuranceanderisablog.com/wp-content/uploads/2018/04/img_1581.jpg</image:loc><image:title>IMG_1581</image:title></image:image><image:image><image:loc>https://seattleinsuranceanderisablog.com/wp-content/uploads/2018/04/img_1584.jpg</image:loc><image:title>IMG_1584</image:title><image:caption>Dry riverbed in the Arizona desert.</image:caption></image:image><lastmod>2018-04-26T17:24:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://seattleinsuranceanderisablog.com/2018/04/24/insurance-regulators-investigating-aetna-for-training-employees-to-deny-coverage-without-reviewing-patients-medical-records/</loc><image:image><image:loc>https://seattleinsuranceanderisablog.com/wp-content/uploads/2018/04/img_1595.jpg</image:loc><image:title>IMG_1595</image:title><image:caption>The Colorado River, Arizona. </image:caption></image:image><image:image><image:loc>https://seattleinsuranceanderisablog.com/wp-content/uploads/2018/04/img_1590.jpg</image:loc><image:title>IMG_1590</image:title></image:image><lastmod>2025-08-28T06:01:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://seattleinsuranceanderisablog.com/2018/04/19/how-do-i-make-an-insurance-claim-wildfire-flood-hurricane-disaster/</loc><image:image><image:loc>https://seattleinsuranceanderisablog.com/wp-content/uploads/2018/04/img_1274.jpg</image:loc><image:title>IMG_1274</image:title><image:caption>Light snow in the Olympics.</image:caption></image:image><image:image><image:loc>https://seattleinsuranceanderisablog.com/wp-content/uploads/2018/04/img_1434.jpg</image:loc><image:title>IMG_1434</image:title></image:image><lastmod>2018-05-01T04:28:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://seattleinsuranceanderisablog.com/2018/04/17/ninth-circuit-insurance-diversity-elhouty-lincoln-benefit/</loc><image:image><image:loc>https://seattleinsuranceanderisablog.com/wp-content/uploads/2018/04/img_1030.jpg</image:loc><image:title>IMG_1030</image:title></image:image><image:image><image:loc>https://seattleinsuranceanderisablog.com/wp-content/uploads/2018/04/img_1048.jpg</image:loc><image:title>IMG_1048</image:title></image:image><lastmod>2018-04-17T18:35:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://seattleinsuranceanderisablog.com/2018/04/10/change-policy-without-notice/</loc><image:image><image:loc>https://seattleinsuranceanderisablog.com/wp-content/uploads/2018/04/img_1528.jpg</image:loc><image:title>IMG_1528</image:title><image:caption>Melting snow from higher up the mountain created this imprompru waterfall on Kachees Ridge, near Cle Elum. </image:caption></image:image><image:image><image:loc>https://seattleinsuranceanderisablog.com/wp-content/uploads/2018/04/img_1544.jpg</image:loc><image:title>IMG_1544</image:title></image:image><lastmod>2018-04-10T19:54:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://seattleinsuranceanderisablog.com/2018/03/29/what-is-erisa/</loc><image:image><image:loc>https://seattleinsuranceanderisablog.com/wp-content/uploads/2018/03/erisa.jpg</image:loc><image:title>ERISA</image:title></image:image><lastmod>2018-04-06T16:23:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://seattleinsuranceanderisablog.com/2018/03/30/insurance-claim-help/</loc><image:image><image:loc>https://seattleinsuranceanderisablog.com/wp-content/uploads/2018/03/img_1260.jpg</image:loc><image:title>IMG_1260</image:title></image:image><image:image><image:loc>https://seattleinsuranceanderisablog.com/wp-content/uploads/2018/03/img_0997.jpg</image:loc><image:title>IMG_0997</image:title><image:caption>Mount Rainier</image:caption></image:image><image:image><image:loc>https://seattleinsuranceanderisablog.com/wp-content/uploads/2018/03/img_1131.jpg</image:loc><image:title>IMG_1131</image:title><image:caption>The trail to Gem Lake, Snoqualmie Pass</image:caption></image:image><lastmod>2018-04-06T16:23:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://seattleinsuranceanderisablog.com/2018/04/03/sue-insurance-adjuster/</loc><image:image><image:loc>https://seattleinsuranceanderisablog.com/wp-content/uploads/2018/04/img_1497.jpg</image:loc><image:title>IMG_1497</image:title></image:image><image:image><image:loc>https://seattleinsuranceanderisablog.com/wp-content/uploads/2018/04/img_1504.jpg</image:loc><image:title>IMG_1504</image:title><image:caption>Lake Cushman viewed from Mt. Rose. </image:caption></image:image><lastmod>2023-01-13T05:43:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://seattleinsuranceanderisablog.com/2018/04/05/erisa-denial-mistake-enroll/</loc><image:image><image:loc>https://seattleinsuranceanderisablog.com/wp-content/uploads/2018/04/img_1039.jpg</image:loc><image:title>IMG_1039</image:title></image:image><image:image><image:loc>https://seattleinsuranceanderisablog.com/wp-content/uploads/2018/04/img_1132.jpg</image:loc><image:title>IMG_1132</image:title><image:caption>Looking down on Gem Lake in the early morning.</image:caption></image:image><lastmod>2018-04-06T16:22:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://seattleinsuranceanderisablog.com</loc><changefreq>daily</changefreq><priority>1.0</priority><lastmod>2026-03-06T17:16:27+00:00</lastmod></url></urlset>
