[blindlaw] Life Insurance Coverage for the Blind

[Hyde, David W. (ESC)]

-1978NAIC decision applies. Check with your insurance commissioner. Many states passed relvant legislation around 1980. Check the monitor for articles by James Omvig around that time.

Sent from my iPhone

> On Oct 11, 2014, at 3:29 PM, "Stewart, Christopher K via blindlaw" <blindlaw at nfbnet.org> wrote:
> 
> Hello All,
> 
> I'm a law student, and I recently applied for life insurance. I
> received a denial of coverage letter stating that I was denied because
> of my blindness. Specifically, they said I was denied because of
> "sickler's syndrome."
> 
> I don't have "sickler's syndrome." I may have "Stickler's Syndrome"
> but have never gotten the genetic test. Regardless, Stickler's has no
> impact on life expectancy or mental capacity. The misspelling of my
> condition lets me know I was very likely denied because I am blind.
> 
> I realize that, if blindness is a result of some condition that
> significantly decreases life expectancy, a life insurance company may
> have a reason to deny coverage. However, in my case, all actuarial
> data indicates no impact.
> 
> I'm having trouble finding any sort of law or case that holds that a
> person can't be denied coverage simply because of blindness. I'd like
> to cite legal precedent in my appeals letter, and I'd appreciate any
> advice.
> 
> Best,
> Chris
> 
> 
> -- 
> Chris K. Stewart
> University of Kentucky College of Law, J.D. Candidate, 2016
> Staff Editor, Kentucky Law Journal
> Co-President, American Constitution Society
> California Institute of the Arts, B.F.A. 2010
> Ph:
> (502)457-1757
> 
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