[Nfbc-info] Long term care insurance

[Michael Hingson]

By law, as Mike Freeman pointed out, blindness in of itself does not
constitute a high risk.  I do not know the specific California law, but the
model NAIC regulation and, I suspect, the California legislation is clear. 


Michael Hingson,
 NSA   
President,
The Michael Hingson Group
84 Bahama Reef
Novato, CA 94949
Phone Direct number (415) 827-4084
Fax number (415) 883-6220
Mobile/Pager (888) 965-9191
Email 
info at michaelhingson.com
 <
mailto:
info at michaelhingson.com>
For information on Michael's speaking topics, his availability, and his
consulting services on Diversity and Access Technology for blind persons
please
visit <
http://www.michaelhingson.com>
For information on Guide Dogs for the Blind please visit <
http://www.guidedogs.com>

-----Original Message-----
From: nfbc-info-bounces at nfbnet.org [mailto:nfbc-info-bounces at nfbnet.org] On
Behalf Of Ken Volonte
Sent: Saturday, January 24, 2009 10:58 AM
To: NFB of California List
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
>
> _______________________________________________
> Nfbc-info mailing list
> Nfbc-info at nfbnet.org
> http://www.nfbnet.org/mailman/listinfo/nfbc-info_nfbnet.org
> To unsubscribe, change your list options or get your account info for
> Nfbc-info:
> http://www.nfbnet.org/mailman/options/nfbc-info_nfbnet.org/kenvolonte%
> 40comcast.net
> 


_______________________________________________
Nfbc-info mailing list
Nfbc-info at nfbnet.org
http://www.nfbnet.org/mailman/listinfo/nfbc-info_nfbnet.org
To unsubscribe, change your list options or get your account info for
Nfbc-info:
http://www.nfbnet.org/mailman/options/nfbc-info_nfbnet.org/info%40michaelhin
gson.com