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AGO Opinions with Topic: INSURANCE
AGO 2006 No. 10 >  May 3, 2006
INSURANCE - INSURANCE COMMISSIONER - HEALTH INSURANCE
Extent of employer’s option to provide employee health insurance without including coverage of prescription contraceptives 1.  Employers have a statutory right to exclude coverage of specific procedures or services when they provide health insurance to employees, but this right is limited by other state statutes and federal laws if the exercise of the right results in discrimination on the basis of gender.   2.  WAC 284-43-822 does not supersede the “conscience” rights of employers under RCW 48.43.065 but may (along with the statutes it implements) limit the ways in which the “conscience” rights are exercised. 
AGO 1970 No. 3 >  January 21, 1970
CITIES AND TOWNS - CONTRACTS - INSURANCE - CODIFICATION OF MUNICIPAL ORDINANCES - COMPETITIVE BIDS
CITIES AND TOWNS - CONTRACTS - INSURANCE - CODIFICATION OF MUNICIPAL ORDINANCES - COMPETITIVE BIDS Under the provisions of RCW 35.23.352, a city or town of the second, third or fourth class is required to call for bids in the manner prescribed therein where the city or town seeks (a) to award a contract for liability and casualty insurance coverage, the anticipated annual premiums for which will exceed $2,000, and (b) to award a contract for the codification of municipal ordinances, the anticipated cost of which will exceed $2,000.
AGO 1970 No. 4 >  February 10, 1970
INSURANCE - TAXATION - CITIES AND TOWNS - PRE EMPTION - MUNICIPAL TAXATION OF INSURANCE BROKERS AND SOLICITORS
INSURANCE - TAXATION - CITIES AND TOWNS - PRE EMPTION - MUNICIPAL TAXATION OF INSURANCE BROKERS AND SOLICITORS Section 9 (4), chapter 241, Laws of 1969, Ex. Sess., by which the legislature extended the state's pre emption of excise taxation with respect to insurers to include "or their agents," does not prohibit the imposition of excise or privilege taxes by cities or towns on the gross income of insurance brokers as defined in RCW 48.17.020 and insurance solicitors as defined in RCW 48.17.030.
AGO 1981 No. 8 >  July 21, 1981
DISTRICTS - SCHOOL - EMPLOYEES - INSURANCE - COLLECTIVE - BARGAINING
CONTINUATION OF PREVIOUS RATE FOR EMPLOYEES' INSURANCE BENEFITS RCW 43.63.040 [46.63.040] does not vest a municipal or police court with jurisdiction over a traffic infraction based on an alleged violation of state law‑-as distinguished from one involving a local, municipal ordinance; therefore, such a court does not have exclusive, or even concurrent, jurisdiction over a traffic infraction case which is so based, even in the absence of a contract with the county to have those traffic infractions committed within the city or town adjudicated by a district court.
AGO 1972 No. 5 >  December 7, 1972
DISTRICTS - SCHOOLS - INSURANCE - HEALTH - CONTRACTS
DISTRICTS ‑- SCHOOLS ‑- INSURANCE ‑- HEALTH ‑- CONTRACTS (1) RCW 28A.58.420, as amended by § 2, chapter 269, Laws of 1971, 1st Ex. Sess., permits but does not require all school districts to make available to their employees an insurance program which would include medical or health care coverage entitling the beneficiaries to utilize the services of those practitioners who are licensed pursuant to chapters 18.22, 18.25, 18.53, 18.57 and 18.71 RCW.(2) If an insurance contract procured by a school district for its employees under RCW 28A.58.420, as amended, does include medical coverage relating to services which can be rendered by more than one of the above enumerated classes of licensees, the contract must then entitle the beneficiaries to choose between the services of each of those categories of licensees which are authorized to treat the particular covered illness or injury in question.(3) Where the board of directors of a school district is providing medical or health care insurance coverage for its employees under RCW 28A.58.420, as amended, it is not necessary that the contract for insurance or protection allow its beneficiaries to utilize the services of any practitioners in this state licensed pursuant to the enumerated RCW chapters; instead, it is permissible for the insurance contract to afford to those beneficiaries only the services of a designated list of named licensees practicing in a particular geographical area.
AGO 1981 No. 13 >  September 23, 1981
INSURANCE - MOTOR VEHICLES - WORKERS' COMPENSATION
REDUCTION OF PAYMENTS UNDER 'UNDERINSURED MOTORIST' COVERAGE OFFERED PURSUANT TO CHAPTER 48.22 RCW (1) Except to the extent necessary to prevent a duplicative recovery, an insurer may not reduce the payments made to its insured under "underinsured motorist" coverage offered pursuant to chapter 48.22 RCW on the basis of payments made by the tortfeasor's liability insurer; an insurer who has made a payment under "underinsured motorist" coverage, however, has a statutory right of reimbursement from any judgment or settlement which its injured insured collects from the tortfeasor directly but it may not include a subrogation or "consent to settle" clause in its "underinsured motorist" coverage.(2) An insurer may reduce the payments made under such "underinsured motorist" coverage of a policy by the amount of any payments made under the liability coverage of the same policy, or it may reduce payments under the liability coverage by the amount of payments under the "underinsured motorist" coverage.(3) An insurer may not reduce payments made under the "underinsured motorist" coverage of a policy by the amount of benefits received under a workers' compensation law or similar disability benefits law; but, just as in the case of payments from the tortfeasor's liability insurer, the UIM carrier may take such amounts into account in the computation of the actual payment to be made under its UIM coverage.
AGO 1991 No. 14 >  March 28, 1991
SUPERVISOR OF BANKING - BANKS AND BANKING - INSURANCE
SUPERVISOR OF BANKING ‑- BANKS AND BANKING ‑- INSURANCE The state Supervisor of Banking acted within his authority in adopting WAC 50-12-310 through [50-12]-370 which relate to insurance activities by state‑chartered banks and trust companies.
AGO 1972 No. 24 >  October 25, 1972
CITIES AND TOWNS - OPTIONAL MUNICIPAL CODE - CONTRACTS - INSURANCE - PERSONAL SERVICES - COMPETITIVE BIDS
CITIES AND TOWNS ‑- OPTIONAL MUNICIPAL CODE ‑- CONTRACTS ‑- INSURANCE ‑- PERSONAL SERVICES ‑- COMPETITIVE BIDS Because of RCW 35A.40.200, the competitive bidding requirements of RCW 35.23.352 are applicable to contracts executed by a city operating under the optional municipal code when engaged in making public improvements or performing public works; however, these requirements are not applicable to the contracts of such a city for professional or personal services such as those of an insurance broker.
AGO 1973 No. 9 >  March 30, 1973
DISTRICTS - SCHOOLS - EMPLOYEES - CONTRACTS - RETIREMENT - INSURANCE
DISTRICTS ‑- SCHOOLS ‑- EMPLOYEES ‑- CONTRACTS ‑- RETIREMENT ‑- INSURANCE (1) An agreement by a school district in reducing its force of certificated teachers for financial reasons to grant those teachers whose contracts are not to be renewed an unpaid leave of absence coupled with a right to return at some future date, if and when future teaching vacancies occur within the district for which they are qualified, will be enforceable by a separated teacher only if it is supported by an adequate legal consideration. (2) Such an agreement must be in writing in order to satisfy the requirements of RCW 28A.67.070, and of RCW 19.36.020 as well if the rights thereby granted are intended to be enforceable for more than one year beyond the date of its execution. (3) Considerable doubt must be expressed as to the enforceability of such a leave of absence coupled with a right of return if the term of leave exceeds one year in duration. (4) During the period of an unpaid leave of absence a teacher will not be eligible for active participation in the state teachers' retirement system as an employee of the district granting the leave. (5) Whether during the period of an unpaid leave of absence a teacher will be eligible to continue participating at his own expense in a medical insurance program provided for by the school district under RCW 28A.58.420 or RCW 41.04.180 will depend upon the terms of the particular insurance contract involved.
AGO 1983 No. 18 >  September 2, 1983
DISTRICTS - SCHOOLS - EMPLOYEES - INSURANCE
COMPUTATION OF INSURANCE FRINGE BENEFITS FOR SCHOOL DISTRICT EMPLOYEES Read together, the provisions of RCW 28A.58.095 and the 1983-85 Biennial Operating Appropriations Act do not permit school districts to pool the total amount of money allowed for certificated and classified employee medical insurance benefits in order to provide each employee, regardless of the class of employees to which he or she belongs, an equal employer insurance benefit contribution.
AGO 1983 No. 29 >  December 9, 1983
INSURANCE - LICENSES
REVOCATION OR SUSPENSION OF SURPLUS LINE INSURANCE BROKER'S LICENSE Under chapter 123, Laws of 1961, the board of directors of a school district has the power to authorize the county treasurer or other custodian of any school funds to invest such funds which may be lawfully invested or reinvested and which in the judgment of the board are not required for the immediate necessity of the district.
AGO 1973 No. 21 >  October 11, 1973
INSURANCE - UNFAIR PRACTICES - DISCRIMINATION - LIFE INSURANCE PREMIUM RATES
INSURANCE ‑- UNFAIR PRACTICES ‑- DISCRIMINATION ‑- LIFE INSURANCE PREMIUM RATES The antidiscrimination provisions of §§ 3 and 6, chapter 141, Laws of 1973, do not now require the same life insurance premium rates to be charged to men and women of the same age in lieu of a continuing use by life insurers in this state of a reduced age factor in computing premium rates for women such as heretofore permitted by RCW 48.12.150 and RCW 48.23.350, and as apparently contemplated by RCW 48.23.180.
AGO 1962 No. 110 >  April 5, 1962
COUNTIES - LIABILITY - INJURED PRISONERS - INSURANCE
COUNTIES ‑- LIABILITY ‑- INJURED PRISONERS ‑- INSURANCE (1) A county may be liable (a) for the cost of hospitalization and care of an injured county jail prisoner depending upon the prisoner's financial status; (b) for damages sustained by a county jail prisoner injured through negligent conduct attributable to the county. (2) Where there is a possible county liability, insurance may be purchased for the county by the board of county commissioners.
AGO 1979 No. 8 >  April 5, 1979
COUNTIES - FUNDS - INSURANCE - TORT CLAIMS - CREATION OF A SPECIAL COUNTY FUND FOR THE PAYMENT OF TORT CLAIMS NOT COVERED BY INSURANCE
COUNTIES ‑- FUNDS ‑- INSURANCE ‑- TORT CLAIMS ‑- CREATION OF A SPECIAL COUNTY FUND FOR THE PAYMENT OF TORT CLAIMS NOT COVERED BY INSURANCE (1) RCW 36.33.065 does not authorize a board of county commissioners to establish a special fund for the payment of only a certain category of claims against a county; i.e., tort claims not covered by insurance; however, RCW 36.33.020, authorizing the creation of one or more county cumulative reserve funds for specified county purposes, does authorize a board of county commissioners to establish such a special county fund for the payment of tort claims not covered by insurance.  (2) Except as provided by RCW 36.29.020, any interest earned through the investment of monies in a county cumulative reserve fund established under RCW 36.33.020, would properly be creditable to the cumulative reserve fund from which the particular investments were made.
AGO 1991 No. 19 >  May 14, 1991
SCHOOLS - DISTRICTS - EDUCATIONAL SERVICE DISTRICTS - INTERLOCAL COOPERATION ACT - INSURANCE - SHORT-TERM OBLIGATIONS
AUTHORITY OF ENTITY CREATED BY SCHOOL DISTRICTS AND EDUCATIONAL SERVICE ... 1.  Chapter 48.52 RCW authorizes school districts and educational service districts to join together to create a risk management pool pursuant to chapter 39.34 RCW, the Interlocal Cooperation Act.  The risk management pool thus created may take the form of a separate legal or administrative entity.  2. The Interlocal Cooperation Act does not authorize the exercise of any new substantive powers by the public agencies that enter into interlocal cooperation agreements.  Since educational service districts do not have the authority to issue short-term obligations, a separate legal entity created by educational service districts and school districts does not have the authority to issue short-term obligations.
AGO 1991 No. 20 >  June 7, 1991
HEALTH - INSURANCE - HEALTH INSURANCE POOL - CHIROPRACTORS - ASSESSMENT OF HEALTH CARE SERVICE CONTRACTOR THAT PROVIDES COVERAGE EXCLUSIVELY FOR CHIROPRACTIC SERVICES
HEALTH ‑- INSURANCE ‑- HEALTH INSURANCE POOL ‑- CHIROPRACTORS ‑- ASSESSMENT OF HEALTH CARE SERVICE CONTRACTOR THAT PROVIDES COVERAGE EXCLUSIVELY FOR CHIROPRACTIC SERVICES RCW 48.41.090 provides for assessment of members of the Washington State Health Insurance Pool based on the number of persons insured under the member's health plan.  A member is not subject to assessment if the coverage provided does not fall within the definition of "health plan."  RCW 48.41.030(9) defines "health plan" as an arrangement that includes coverage for both hospital and medical benefits.  Thus, coverage that is limited exclusively to chiropractic services with no hospital services is not a health plan and a member is not subject to assessment with respect to persons so covered.
AGO 2002 No. 5 >  August 8, 2002
INSURANCE - INSURANCE COMMISSIONER - HEALTH INSURANCE
Interpretation of “conscientious objection” statute allowing employers to refrain from including certain items in the employee health care benefit package 1.  If an employer offers its employees a health care package that includes prescription drug coverage, it is an “unfair practice” contrary to state statute (and in many cases also to federal law) to exclude coverage of prescription contraceptives, even on the basis of the “conscientious objector” statute, RCW 48.43.065.  2.  The insurance commissioner has authority to require health care insurance carriers to include the cost of prescription contraceptives as a component in the rate setting actuarial analysis, where an employer raises a conscientious objection to paying these costs directly as part of that employer’s employee health care benefit package.
AGO 1985 No. 8 >  May 9, 1985
INSURANCE - MEDICAL AID - MENTAL HEALTH TREATMENT
GROUP DISABILITY INSURANCE COVERAGE FOR MENTAL HEALTH TREATMENT The provisions of RCW 48.21.240, RCW 48.44.340 and RCW 48.46.290, requiring group disability insurers, health care service contractors, and health maintenance organizations, respectively, to offer supplemental coverage for mental health treatment by a physician, psychologist or community mental health agency unless waived by the contract holder, do allow those companies or organizations, acting in good faith in accordance with RCW 48.01.030, then to offer such coverage only by a physician or psychologist if the contract holder has first waived the mandated three‑part offering.
AGO 1986 No. 11 >  September 19, 1986
STATE - INSURANCE - MEDICAL BENEFITS
RESTRICTIONS ON MEDICAL COVERAGE BY STATE LICENSED HEALTH MAINTENANCE ORGANIZATIONS It is not a violation of RCW 41.05.025(2) for the State Employees' Insurance Board (SEIB) to provide employees covered by SEIB plans the option of coverage by a health maintenance organization (HMO) which restricts the availability of the services of licensed podiatrists, dentists, chiropractors, optometrists, osteopaths, physical therapists, psychologists, or registered nurses to those provided either directly through the HMO or upon referral by a primary care physician employed by the HMO.
AGO 1978 No. 1 >  January 12, 1978
COLLEGES AND UNIVERSITIES - COMMUNITY COLLEGES - INSURANCE - STATE RISK MANAGEMENT ACT - PURCHASE OF BONDS AND LIABILITY INSURANCE FOR COMMUNITY COLLEGES
COLLEGES AND UNIVERSITIES ‑- COMMUNITY COLLEGES ‑- INSURANCE ‑- STATE RISK MANAGEMENT ACT ‑- PURCHASE OF BONDS AND LIABILITY INSURANCE FOR COMMUNITY COLLEGES (1) Under the provisions of chapter 270, Laws of 1977, 1st Ex. Sess., the risk management office of the State Department of General Administration is vested with the authority and responsibility for the purchase of (a) liability and property insurance covering the state's community colleges and (b) such surety bonds as are necessary for those institutions. (2) This same authority and responsibility also extends to the purchase of liability insurance obtained at state expense to cover the trustees, officers or employees of the community colleges under RCW 28B.10.844; however, it does not extend to the purchase of liability insurance as a part of the compensation plan for community college officers or employees under RCW 28B.10.660.
AGO 1964 No. 123 >  September 29, 1964
INSURANCE - HOSPITAL AND MEDICAL PLANS - LICENSED CHIROPODIST - SERVICES - INCLUSION IN POLICY ISSUED AFTER JUNE 12, 1963
INSURANCE ‑- HOSPITAL AND MEDICAL PLANS ‑- LICENSED CHIROPODIST ‑- SERVICES ‑- INCLUSION IN POLICY ISSUED AFTER JUNE 12, 1963 Chapter 87, Laws of 1963 (RCW 48.20.390 and RCW 48.21.130) which includes the services of a licensed chiropodist under hospital-medical policies issued after June 12, 1963, applies to policies issued prior to that date but which are renewable at the option of the insurance company thereafter.  The act does not apply to noncancellable disability or guaranteed renewable disability policies negotiated prior to the effective date of the act.
AGO 1992 No. 8 >  June 1, 1992
DISTRICTS - WATER - COMMISSIONERS - OFFICES AND OFFICERS - COMPENSATION - INSURANCE
Applicability of RCW 41.04.190 to Insurance Benefits Provided to Water District Commissioners Pursuant to RCW 57.04.190 RCW 41.04.190 provides that insurance benefits are not additional compensation for county elected officials.  RCW 41.04.190 does not apply to insurance benefits provided to water district commissioners pursuant to RCW 57.08.100.
AGO 1965 No. 17 >  April 15, 1965
DISTRICTS - SCHOOLS - CONTRACT - INSURANCE - FIRE, THEFT AND LIABILITY
DISTRICTS ‑- SCHOOLS ‑- CONTRACT ‑- INSURANCE ‑- FIRE, THEFT AND LIABILITY A school district, through its board of directors, may legally contract for fire, theft and liability insurance covering a period of years, the premiums of which are payable in annual installments over the life of the contract.
AGO 1965 No. 49 >  November 9, 1965
INSURANCE - STATE OFFICERS AND EMPLOYEES - LIMITED LIFE INSURANCE - NONSCHEDULED AIRCRAFT FLIGHTS
INSURANCE ‑- STATE OFFICERS AND EMPLOYEES ‑- LIMITED LIFE INSURANCE ‑- NONSCHEDULED AIRCRAFT FLIGHTS The limited type of life insurance contemplated by § 1, chapter 68, Laws of 1965, providing ". . . coverage not to exceed one hundred thousand dollars per person for the benefit of state employees and state elected officials, including legislators, while they are, in the course of their employment, passengers on or crew members of any nonscheduled aircraft flight" may be secured from those insurance companies authorized to issue policies known in the insurance industry as "accidental health and/or dismemberment insurance," but the state's policies may only provide benefits payable in the event of death.
AGO 1994 No. 9 >  July 7, 1994
INSURANCE - HEALTH INSURANCE - INSURANCE COMMISSIONER
Coordination of benefits in cases of dual insurance coverage 1.   RCW 48.21.200, as amended, does not require a secondary insurer to pay the full policy amount to an insured who has dual or multiple coverage, whether the policies in question are individual or group policies.   2.   In enacting amendments to RCW 48.21.200, the Legislature intended to allow insurers to reduce overall health insurance cost by coordinating benefits in cases of dual or multiple coverage, subject to implementing regulations to be adopted by the insurance commissioner.
AGO 1966 No. 90 >  June 22, 1966
OFFICES AND OFFICERS - STATE AGENCIES - INSURANCE - HOSPITALIZATION AND MEDICAL AID CONTRACTS FOR PUBLIC EMPLOYEES AND CERTAIN ELECTED OFFICERS - NECESSITY FOR EACH AGENCY TO BE POLICYHOLDER
OFFICES AND OFFICERS ‑- STATE AGENCIES ‑- INSURANCE ‑- HOSPITALIZATION AND MEDICAL AID CONTRACTS FOR PUBLIC EMPLOYEES AND CERTAIN ELECTED OFFICERS ‑- NECESSITY FOR EACH AGENCY TO BE POLICYHOLDER Under RCW 41.04.180, a state agency or political subdivision may provide hospitalization and medical aid for its employees and their dependents by means of payments pursuant to contract with a regularly constituted insurance carrier or health care service contractor of premiums payable on group hospitalization or medical aid insurance plans covering such employees without itself being the policyholder provided that (a) in the case of a state agency or school district, the payments do not exceed 50% of the total premium, or $5.00 per month per employee covered; and (b) comparable coverage under other plans is made available by the agency or political subdivision for such of its employees within the general class to be covered as are not enrolled in the particular group disability insurance program.
AGO 1992 No. 21 >  September 9, 1992
PUBLIC UTILITY DISTRICTS - COMMISSIONERS - DISTRICTS - OFFICES AND OFFICERS - SALARIES AND WAGES - COMPENSATION - INSURANCE
Insurance as Compensation for Public Utility District Commissioners and Manager 1.  RCW 54.12.080(4) provides that any public utility district providing group insurance for its employees may provide its commissioners with the same insurance coverage.  In this circumstance, public utility district commissioners may receive insurance as part of their compensation. 2.  Article 2, section 25 (amend. 35) of the Washington Constitution provides that the compensation of a public officer shall not be increased during his or her term of office.  Article 30, section 1 of the Washington Constitution permits mid-term compensation increases only for public officers who do not fix their own compensation. Accordingly, public utility districts may decide to purchase life insurance policies for their commissioners, but may not actually provide the policies until the next terms of the respective commissioners' offices begin.
AGO 1967 No. 37 >  October 31, 1967
DISTRICTS - SCHOOLS - CONTRACT - INSURANCE - FIRE AND EXTENDED COVERAGE
DISTRICTS - SCHOOLS - CONTRACT - INSURANCE - FIRE AND EXTENDED COVERAGE When a school district purchases fire and extended coverage insurance protection for the property of the district under a three year contract which it may cancel at any time, and consequently recover any unearned portion of the premium, it may pay the full premium due in accordance with the contract at the time of purchase.
AGO 1956 No. 334 >  October 26, 1956
INSURANCE - SECURITIES - SALE OF - LICENSE TO SELL
INSURANCE ‑- SECURITIES ‑- SALE OF ‑- LICENSE TO SELL (1) An individual soliciting the sale of securities to members of the public under a solicitation permit pursuant to RCW chapter 48.06 must comply with the terms of RCW 21.04.090.   (2) Companies for whom individuals under RCW 48.06.090 sell securities are required to be licensed pursuant to RCW 21.04.030.
AGO 1960 No. 101 >  February 24, 1960
INSURANCE - FOREIGN STOCK INSURANCE COMPANY
ADMISSION TO DO BUSINESS IN STATE WHERE ARTICLES OF INCORPORATION DO NOT PROVIDE FOR SUPERADDED LIABILITY OF SHAREHOLDERS An otherwise qualified foreign stock insurance company can be admitted to do business in Washington if its articles of incorporation do not (or under the law of the state of its domicile cannot) provide for liability of shareholders in the amount of the par value of their stock in addition to the amount paid for the shares.
AGO 1958 No. 215 >  August 20, 1958
TRADING STAMPS - REDEEMABLE IN CASH OR CREDIT TOWARD THE PURCHASE OF INSURANCE - INSURANCE - USE OF TRADING STAMPS TOWARD PURCHASE OF INSURANCE
TRADING STAMPS ‑- REDEEMABLE IN CASH OR CREDIT TOWARD THE PURCHASE OF INSURANCE ‑- INSURANCE ‑- USE OF TRADING STAMPS TOWARD PURCHASE OF INSURANCE (1)  Trading stamps which may be redeemable in cash or for credit toward the purchase of any type insurance are covered by the trading stamp act, chapter 19.84 RCW. (2)  Such trading stamps do not come within the licensing provisions of chapter 36.91 RCW.
AGO 1955 No. 43 >  March 18, 1955
COMMON AND CONTRACT CARRIERS - INSURANCE - "SURPLUS LINE" COVERAGE
COMMON AND CONTRACT CARRIERS; INSURANCE; 'SURPLUS LINE' COVERAGE An insurance policy from an unauthorized insurer meeting the conditions and provisions of chapter 48.15 RCW as surplus line coverage constitutes compliance with the requirements of RCW 81.80.190.
AGO 1953 No. 150 >  October 19, 1953
INSURANCE - GROUP INSURANCE - PUBLIC EMPLOYEES - STATE EMPLOYEES
PAYMENT OF COSTS BY STATE State departments may not pay out of public funds all or any part of the premium cost of group insurance coverage of their employees.
AGO 1950 No. 214 >  February 3, 1950
INSURANCE - SECOND CLASS SCHOOL DISTRICTS
INSURANCE -- SECOND CLASS SCHOOL DISTRICTS A second class school district which has purchased an insurance policy from an automobile casualty company with premium definitely fixed and no provision for assessment, as a part of the same transaction may not make a contribution to a service corporation which is affiliated with the insurance company and where the making of such contribution is apparently required as a prerequisite to the obtaining of such insurance by the school district.
AGLO 1982 No. 9 >  April 28, 1982
INSURANCE - HEALTH - OPTICIANS
SERVICES OF DISPENSING OPTICIAN UNDER HEALTH CARE SERVICE CONTRACT A health care service contractor registered under chapter 48.44 RCW may offer to provide or to pay reimbursement for the services of a licensed dispensing optician.
AGLO 1980 No. 3 >  January 14, 1980
FERRIES - INSURANCE - EMPLOYEES
STATE‑FUNDED INSURANCE COVERAGE FOR FERRY SYSTEM EMPLOYEES (1) Employees of the Washington State Ferry System are subject to the jurisdiction of the State Employees Insurance Board under chapter 41.05 RCW with respect to the design of such employer-funded insurance coverage as they receive from the state. (2) The employer's contribution of the Washington Department of Transportation under RCW 41.05.050(2) is not, in the case of ferry system employees, limited to that which the State Employees Insurance Board sets as the employer's contribution for state agencies generally.
AGLO 1980 No. 20 >  May 13, 1980
OFFICES AND OFFICERS - STATE - DEPARTMENT OF LABOR AND INDUSTRIES - WORKMEN'S COMPENSATION - INSURANCE
GROUP SELF-INSURANCE BY EMPLOYERS

The state industrial insurance laws, as presently written, do not permit the State Department of Labor and Industries to issue a certification to two or more employers to self-insure as members of a group, rather than individually.

AGLO 1976 No. 17 >  February 26, 1976
INSURANCE - WARRANTY
DISTINCTION BETWEEN INSURANCE AND WARRANTY CONTRACT Criteria for determining whether an "extended vehicle warranty" contract issued in connection with the sale of a new or used car constitutes "insurance" for the purposes of the Washington state insurance code.
AGLO 1975 No. 13 >  February 7, 1975
INSURANCE - HEALTH
ANIMALS An organization may not be registered as a "health care service contractor" under chapter 48.44 RCW for the purpose of providing veterinary services for family pets or other animals.
AGLO 1975 No. 31 >  March 19, 1975
DISTRICTS - WATER - BOARD OF COMMISSIONERS - INSURANCE
LIABILITY INSURANCE FOR WATER DISTRICT COMMISSIONERS Under RCW 57.08.105, the board of commissioners of a water district is authorized to purchase liability insurance to protect its own members against liability for personal or bodily injuries and property damage arising from their acts or omissions while performing or in good faith purporting to perform their official duties.
AGLO 1975 No. 61 >  July 9, 1975
INSURANCE - STOCK
CAPITAL STOCK REQUIREMENTS FOR CERTAIN LINES OF INSURANCE BUSINESS Determination of the amount of paid-in capital stock necessary in order to allow a certain domestic stock insurer to transact disability insurance along with its existing life insurance line.
AGLO 1978 No. 26 >  September 7, 1978
INSURANCE - CONTRACTS - FEES - APPLICATION OF INSURANCE COMMISSION AGAINST FEE FOR DESIGNING AND INSTALLING EMPLOYEES' PENSION AND PROFIT SHARING PLAN
INSURANCE ‑- CONTRACTS ‑- FEES ‑- APPLICATION OF INSURANCE COMMISSION AGAINST FEE FOR DESIGNING AND INSTALLING EMPLOYEES' PENSION AND PROFIT SHARING PLAN It is a violation of RCW 48.30.140(1) and RCW 48.30.150 for a licensed insurance agent, when selling insurance in connection with an employee's pension and profit sharing plan, to treat his commission for selling such insurance as partially covering the fee which he would otherwise charge for designing and installing the aforesaid plan, thereby reducing the amount of such fee.
AGLO 1975 No. 83 >  September 30, 1975
INSURANCE
SERVICES OF CHIROPRACTORS IN CONNECTION WITH CERTAIN DISABILITY INSURANCE POLICIES (1) Where an individual or group disability income or income replacement insurance policy requires the insured to be under the regular care and attendance of a licensed physician in order to receive payments thereunder, such a requirement is unaffected by either RCW 48.20.412 or RCW 48.21.142 and, therefore, the insurance contract need not now be interpreted also to require payments if the insured is under the care of a chiropractor.
AGLO 1975 No. 99 >  December 29, 1975
DISTRICTS - HOSPITAL - INSURANCE
LIABILITY INSURANCE FOR PUBLIC HOSPITAL DISTRICT COMMISSIONERS Under § 1, chapter 16, Laws of 1975 (RCW 36.16.138), the commissioners of a public hospital district established pursuant to chapter 70.44 RCW, may purchase liability insurance for themselves and other officers and employees of such district.
AGLO 1973 No. 61 >  June 1, 1973
INSURANCE - STATE EMPLOYEES - AUTHORITY OF STATE EMPLOYEES' INSURANCE BOARD WITH RESPECT TO PANEL MEDICINE PLAN
INSURANCE ‑- STATE EMPLOYEES ‑- AUTHORITY OF STATE EMPLOYEES' INSURANCE BOARD WITH RESPECT TO PANEL MEDICINE PLAN (1) RCW 41.05.020 (3) does not require the state employees' insurance board to approve a panel medicine plan for the coverage of state employees residing within the service area covered by such a plan whenever one or more such plans are there available.
 
(2) After the state employees' insurance board has, in fact, granted approval to such a panel medicine plan it may thereafter withdraw approval from this plan.
AGLO 1974 No. 60 >  June 12, 1974
DISTRICTS - PORT - COMMISSIONERS - INSURANCE
BUSINESS RELATED INSURANCE FOR PORT COMMISSIONERS A port district may provide, and pay the premiums on, business related travel, liability, health, errors and omissions and accident insurance under RCW 53.08.170, as amended by § 1, chapter 6, Laws of 1973, 1st Ex. Sess., for its present port commissioners during the remainder of their current terms of office for the purpose of affording insurance coverage to those commissioners in the event of accidents or illnesses resulting from the performance of their official responsibilities.
AGLO 1974 No. 64 >  July 1, 1974
OFFICES AND OFFICERS - STATE - INSURANCE COMMISSIONER - INSURANCE
POWERS OF WASHINGTON LIFE AND DISABILITY INSURANCE GUARANTY ASSOCIATION WITH RESPECT TO FEDERAL OLD LINE POLICIES The Washington Life and Disability Insurance Guaranty Association, with the approval of the state insurance commissioner, may continue to impose the lien on life insurance policies previously imposed by the Federal Old Line Insurance Company; and it may impose a similar lien on policies issued by Federal Old Line on or after April 1, 1949; the Guaranty Association may also discontinue a past practice of Federal Old Line of waiving certain liens upon death claims and maturities; and it may limit the payment of interest declared by Federal Old Line to October 7, 1968.
AGLO 1973 No. 109 >  November 20, 1973
OFFICES AND OFFICERS - STATE - STATE EMPLOYEES INSURANCE BOARD - FUNDS - APPROPRIATIONS - INSURANCE
OFFICES AND OFFICERS ‑- STATE ‑- STATE EMPLOYEES INSURANCE BOARD ‑- FUNDS ‑- APPROPRIATIONS ‑- INSURANCE It is not legally necessary for the legislature to make an appropriation from the state employees' insurance revolving fund in order to permit expenditures therefrom; where, however, an appropriation from this fund is made it constitutes a limitation upon the amount that may be expended during the period covered by the appropriation.
AGLO 1974 No. 85 >  October 7, 1974
COUNTIES - EMPLOYEES - INSURANCE
AUTHORITY TO PAY MEDICAL INSURANCE PREMIUMS FOR RETIRED COUNTY EMPLOYEES (1) A county does not presently have the authority to pay medical insurance premiums for its retired former employees except those who were, before retirement, members of the law enforcement officers' and fire fighters' retirement system. (2) A county does not have the present authority to make payroll deductions from the salary of its current employees to fund the payment of medical insurance premiums for them after their retirement.
AGLO 1974 No. 100 >  November 26, 1974
INSURANCE - UNFAIR PRACTICES - DISCRIMINATION
APPROVAL OF INSURANCE POLICY FORMS (1) To the extent that RCW 49.60.030, a part of the state law against discrimination, recognizes a civil right to engage in insurance transactions without discrimination because of race, creed, color, national origin, sex, or the presence of any sensory, mental, or physical handicap, the state insurance commissioner is not required or authorized to enforce this right by means of the disapproval of insurance policy forms under RCW 48.18.110.
AGO 2007 No. 5 >  August 13, 2007
INSURANCE - INSURANCE COMMISSIONER - PUBLIC RECORDS - PUBLIC DISCLOSURE LAW
Extent to which RCW 48.02.065, making certain records confidential and privileged, mandates nondisclosure of the records in response to a public records request 1.  RCW 48.02.065(1), making certain records provided to the Insurance Commissioner privileged and confidential, is mandatory and does not grant the Commissioner discretion to release the records in response to a public disclosure request.  2.  The confidential and privileged status conferred by RCW 48.02.065(1) and (6) extends to working papers, documents, materials, or information disclosed in the course of a financial or market conduct examination to a contractor or consultant acting under the direction of the Office of the Insurance Commissioner.  3.  Records rendered confidential and privileged under RCW 48.02.065 remain confidential and privileged, even if the Insurance Commissioner does not issue any financial or market conduct examination report relating to such records.
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