[blindlaw] Life Insurance Coverage for the Blind

[Russell J. Thomas]

What insurance carrier was involved?

Find an insurance agent that represents a well-established insurance
company. Presumably, such a company will know the rules. If you had a
condition that would disqualify you, blindness or not, there is nothing you
can do.

In my case, I have had insurance through John Hancock for more than 30
years. The only reservation on my policies has been the denial of double
indemnity for accidental death.


-----Original Message-----
From: blindlaw [mailto:blindlaw-bounces at nfbnet.org] On Behalf Of Stewart,
Christopher K via blindlaw
Sent: Saturday, October 11, 2014 1:29 PM
To: blindlaw
Subject: [blindlaw] Life Insurance Coverage for the Blind

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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