[blindlaw] Long term care insurance

[Hyde, David W. (ESC)]

In most states, long term care is a form of health insurance. Talk to the national office and see if the 1978 NAIC (National Association of Insurance Commissioners) recommendation applies. This was adopted in most, if not all of the states and requires that carriers may not discriminate as to the rates, terms or availability of health or life insurance on the basis of blindness. My caution would be that long-term care was a very new coverage area in 1978, and has become much more prevalent in the last thirty-five years. 

-----Original Message-----
From: blindlaw [mailto:blindlaw-bounces at nfbnet.org] On Behalf Of Daniel McBride via blindlaw
Sent: Monday, June 15, 2015 4:37 PM
To: 'Blind Law Mailing List'
Cc: Daniel McBride
Subject: Re: [blindlaw] Long term care insurance

Much like Obama's Affordable Health Care Act , which has absolutely nothing to do with being affordable or health care, one cannot be denied for a pre-existing condition, but they can sure as hell jack the premiums up.

-----Original Message-----
From: blindlaw [mailto:blindlaw-bounces at nfbnet.org] On Behalf Of Andrew Webb via blindlaw
Sent: Monday, June 15, 2015 1:01 PM
To: 'Blind Law Mailing List'
Cc: Andrew Webb
Subject: [blindlaw] Long term care insurance

Hello,

 

Does anyone here have some expertise on the laws and regulations pertaining to long term care insurance, and know if the conditions of blindness or deafness can be used by providers to disqualify applicants for such coverage?

 

Thanks,

Andrew

 

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