District of Columbia Life & Health Insurance Guaranty Association 1200-G Street, NW, Suite 800 / Washington, DC 20005 Home About Us FAQs Receiverships Additional Info Links Terms of Use Contact Us Frequently Asked Questions      How is policy coverage determined? Coverage is determined by District of Columbia law and policy language at the time the guaranty association is activated to provide protection (when the member insurer is found to be insolvent and ordered liquidated by a court). In light of changes in the law and the dramatic variations in policy language, the association cannot make statements regarding coverage of a specific policy unless it is a policy with a company for which the association has been activated to provide protection.   NOTE: This information is not intended as legal advice, and no liability is assumed in connection with its use. The applicable state guaranty association statute is the controlling authority, regardless of any information presented on this site. Users should seek advice from a qualified attorney and should not rely on this compilation when considering any questions relating to guaranty association coverage.   [ Back to FAQ list ]