[Nfbc-info] Long term care insurance

[Mike Freeman]

What of the N A I C model law/regulations that stipulated that blindness 
per se must not be used as a trigger for differential rate structures or 
determination of eligibility. This was back in 1984 or 1985. Now if the 
blindness is due to an underlying condition such as diabetes, all bets 
are off but other laws may cover you under that situation.

In Washington (state), it's pretty-much iron-clad that blindness cannot 
be used.

Mike

----- Original Message ----- 
From: <ckrugman at sbcglobal.net>
To: "NFB of California List" <nfbc-info at nfbnet.org>
Sent: Saturday, January 24, 2009 11:35 AM
Subject: Re: [Nfbc-info] Long term care insurance


The blindness issue can be a very definite issue when it comes to 
individual
health insurance. Many insurance will exclude blind people as they 
consider
it a pre-existing condition. When it comes to private health insurance 
there
is nothing that requires insurance to consider coverage for pre-existing
disabilities even when they may not cause a health risk such as much of 
the
congenital blindness that never changes. This is what happens when 
results
of deregulation exists and industries are allowed to set their own
standards. For a short time I went through training to sell insurance 
and
this came up. I only stayed with the job for a few months for various
reasons that I won't go in to here although I had a very accommodating
employer.
Chuck
----- Original Message ----- 
From: "Ken Volonte" <kenvolonte at comcast.net>
To: "NFB of California List" <nfbc-info at nfbnet.org>
Sent: Saturday, January 24, 2009 10:58 AM
Subject: Re: [Nfbc-info] Long term care insurance


> Hi Mary.  The problem is more with normal health care insurance, and 
> it's
> not a blindness issue, but an issue of the insurer having too much of 
> a
> say in treatment options.  Some years ago, I bought a supplemental 
> plan
> that looked good on paper.  I dropped it a month later after receiving
> treatment for a migraine which treatment was dictated by the plan's
> protocols.
>
>    Then there's the question of risk.  If you're a part of a high risk
> group, the likelihood is that you will pay more in premiums per month 
> than
> you will ever use even if you had no insurance at all.
> ----- Original Message ----- 
> From: "Mary Willows" <mwillows at sbcglobal.net>
> To: "NFB of California List" <nfbc-info at nfbnet.org>
> Sent: Thursday, January 22, 2009 9:59 PM
> Subject: [Nfbc-info] Long term care insurance
>
>
>> If you or anyone you know who is blind has had any negative 
>> experiences
>> applying for long term care coverage, please contact me on this list 
>> or
>> by phone.
>> Our new state office phone number is:  (510) 248-0100.
>> Thanks,
>>
>> Mary Willows, President
>> National Federation of the Blind of California
>> mwillows at sbcglobal.net
>>
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>
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