[blindLaw] Is blindness a quote bodily disorder unquote

[wmodnl wmodnl]

I inquired about similar language when I was applying for life insurance, and it literally has to do with something that a person would engage in that would cause the permanent injury like self-destructive behavior.

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> On Feb 18, 2024, at 13:57, Bad Penguin via BlindLaw <blindlaw at nfbnet.org> wrote:
> 
> A life insurance policy which includes a supplement for accidental death and dismemberment benefits, contains the following language:
> 
> “Loss, death or dismemberment caused by, resulting from, or where there is contribution from, bodily or mental or emotional disorders, or sickness are not considered accidental bodily injuries and are not covered under this supplement.”
> 
> I am curious as to thoughts about:
> 
> 1. Whether or not blindness is a quote bodily disorder unquote;
> 
> 2. If blindness is a quote bodily disorder unquote, does the language (quote caused by, resulting from, or where there is contribution from unquote) seemingly exclude all blind individuals from ever being insured and/or covered for accidental death and dismemberment benefits originating from policies with this or similar exclusionary language;
> 
> 3. What legal or regulatory protections, if any, disallow blind individuals to be excluded from life insurance and/or accidental death and dismemberment insurance solely on the insured being blind.
> 
> Thoughts or pointers on where to look sincerely appreciated.
> 
> Thanks in advance!
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