What are the rights of a persons whose application for long-term care insurance has been denied? - long term care insurance
What are the rights of persons whose applications for long-term care has been denied safe?
Monday, January 11, 2010
Long Term Care Insurance What Are The Rights Of A Persons Whose Application For Long-term Care Insurance Has Been Denied?
4 comments:
You may be entitled to enter the high risk pool in your state, if applicable. Some countries have special plans for people who do not receive coverage in the private market. The premiums are much higher, but at least some coverage. While many states have such insurance, little to offer LTC.
For those who do not get insurance for long-term care, but unfortunately the alternative is welfare, which means that you try more of an effort to save their property to leave their families rather pay for their care.
The answer depends on the cause (s) of decline.
Several respondents wrote that the insurer is not obliged to ensure, that you can not always true. No insurer is entitled to a risk, since rejecting the arbitrary, capricious or unfairly discriminatory reasons. I think this is the norm in all states. If you violate these laws, the commissioner of insurance in the state of the ability of the applicant for the grant of an insurer to the policy. Here once again entirely to the conclusion that a violation has occurred.
In order that the decline is legal, the problem of health must be demonstrated by objective actuarial data which accept a high risk for the acquisition of the insurer's rules. For example, in my state, the insurer has been invited to a policy, a man who had denied an inherited form of mild anemia. Since the actuarial data showed no increased risk of morbidity, which was the insurer's underwriting guidelines are shown, arbitrary and capricious. The insurer was also ordered to no longerSubscribe to this guideline. It was a tragic case and it has to happen very often, but it has to happen from time to time because some insurance companies that the response to the higher authority about the risks they take to believe.
The first step to see if you can still do, is to understand why it was rejected. If you do not agree, you and / or your doctor may send a letter of appeal to the insurer and the request for review. If it's decision, a complaint to the Commissioner of Insurance and ask governments to investigate the decline. While receiving the study, a researcher, a copy of the guidelines for adoption and need a copy of the actuarial information that supports them. Most states also provide for an administrative hearing if you agree with the findings of the Commissioner.
Hope this helps.
You can find their way to call and opinoin.
But not sure a company to, you're in business, and if you do not answer to their guild lines underwriting has nothing to insura
No rights. Rejected the request to point out that the applicant is not a normal risk.
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