[Nfbc-info] Long term care insurance

[ckrugman at sbcglobal.net]

when I was trained to sell insurance in California in the mid 90's it was 
still a factor here.
Chuck
----- Original Message ----- 
From: "Mike Freeman" <k7uij at panix.com>
To: "NFB of California List" <nfbc-info at nfbnet.org>
Sent: Saturday, January 24, 2009 12:44 PM
Subject: Re: [Nfbc-info] Long term care insurance


> 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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>
>
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