ADVISORY T 04-03
The law applies to all contracts issued or renewed on or after June 10, 2004. After that date, contracts issued or renewed by disability insurers, HCSCs and HMOs may not contain language permitting denial of coverage for the treatment of any injury solely because the injury was sustained as a consequence of the covered individual being intoxicated or under the influence of a narcotic.
Additionally, the optional standard provision for intoxicants and narcotics noted in RCW 48.20.272 has been repealed. All disability contracts issued prior to June 10, 2004, that include this provision must be amended to eliminate this exclusionary language.
All amendatory language must be filed with this office. Please evaluate all contracts being marketed and file any amendments that are necessary to bring them into compliance with this new law.
Questions concerning this technical assistance advisory should be directed to Janis LaFlash at (360) 725-7040 or JanisL@oic.wa.gov.