{"data":{"id":"us-wa/rcw-48.84.040","jurisdiction":"us-wa","citation":"RCW 48.84.040","heading":"Policies and contracts—Prohibited provisions.","body":"No long-term care insurance policy or benefit contract may:\n(1) Use riders, waivers, endorsements, or any similar method to limit or reduce coverage or benefits;\n(2) Indemnify against losses resulting from sickness on a different basis than losses resulting from accidents;\n(3) Be canceled, nonrenewed, or segregated at the time of rerating solely on the grounds of the age or the deterioration of the mental or physical health of the covered person;\n(4) Exclude or limit coverage for preexisting conditions for a period of more than one year prior to the effective date of the policy or contract or more than six months after the effective date of the policy or contract;\n(5) Differentiate benefit amounts on the basis of the type or level of nursing home care provided;\n(6) Contain a provision establishing any new waiting period in the event an existing policy or contract is converted to a new or other form within the same company.","path":["Title 48","Chapter 48.84"],"source_url":"https://app.leg.wa.gov/rcw/default.aspx?cite=48.84.040","current_through":"July 15, 2026","vintage":"","retrieved_at":"2026-09-06T03:16:45Z","sha256":"7005ca8cf6a40b0ac88d05c03232fef29bb22135c2dc74e104d19f9cb0116b4a","source_id":"us-wa","stale":false,"prev":"us-wa/rcw-48.84.030","next":"us-wa/rcw-48.84.050"},"notice":"GroundRules: Original legal text. Not legal advice."}