[Nfbc-info] Nfbc-info Digest, Vol 50, Issue 16

Sat Jul 25 19:38:13 UTC 2009

I may be off base here but isn't there a law in the state dealing with
discrimination in providing insurance which mandates against using blindness
as a factor in providing a higher rating to a blind person?  It may be that
the law only deals with life insurance, but it is worth exploring.

The Michael Hingson Group
     “Speaking with Vision”
                 Michael Hingson, President
                         (415) 827-4084
                   info at michaelhingson.com
                   www.michaelhingson.com

for info on the new KNFB Reader Mobile, visit:
http://knfbreader.michaelhingson.com

-----Original Message-----
From: nfbc-info-bounces at nfbnet.org [mailto:nfbc-info-bounces at nfbnet.org] On
Behalf Of Gary Deeter
Sent: Saturday, July 25, 2009 10:31 AM
To: nfbc-info at nfbnet.org
Subject: Re: [Nfbc-info] Nfbc-info Digest, Vol 50, Issue 16

Hi Mary,
My apologies for the confusing typographical error; yes my question regards
longer term care insurance for people not cars.

I have not been denied coverage it is just that the premium is so much
higher due to blindness than was originally quoted before the underwriters
reviewed my medical records.

We will look into other companies, like Bryan suggested, to see what their
premiums are.

Thanks to everyone for the input.

    Gary

________________________________
From: "nfbc-info-request at nfbnet.org" <nfbc-info-request at nfbnet.org>
To: nfbc-info at nfbnet.org
Sent: Friday, July 24, 2009 10:00:13 AM
Subject: Nfbc-info Digest, Vol 50, Issue 16

Send Nfbc-info mailing list submissions to
    nfbc-info at nfbnet.org

To subscribe or unsubscribe via the World Wide Web, visit
    http://www.nfbnet.org/mailman/listinfo/nfbc-info_nfbnet.org
or, via email, send a message with subject or body 'help' to
    nfbc-info-request at nfbnet.org

You can reach the person managing the list at
    nfbc-info-owner at nfbnet.org

When replying, please edit your Subject line so it is more specific
than "Re: Contents of Nfbc-info digest..."

Today's Topics:

  1. Re: iNSURANCE (Mary Willows)
  2. Re: iNSURANCE (ckrugman at sbcglobal.net)
  3. Re: iNSURANCE (Bryan Bashin)
  4. Looking for People (Scott C. LaBarre)

----------------------------------------------------------------------

Message: 1
Date: Thu, 23 Jul 2009 13:22:45 -0700
From: "Mary Willows" <mwillows at sbcglobal.net>
Subject: Re: [Nfbc-info] iNSURANCE
To: "NFB of California List" <nfbc-info at nfbnet.org>
Message-ID: <2D1D9B6E584A4100A8A0A19EAD1D5C5A at D77W58B1>
Content-Type: text/plain; format=flowed; charset="iso-8859-1";
    reply-type=original

Hi Gary,
First of all, welcome to CA.  I hope you and your wife can be with us in 
October.  If you can get here by Thursday, 10/22 11:30 a.m. we will be 
loading up a bus to take a walk across the Golden Gate Bridge.  Love to have

you.

As for your question about insurance.  I am a little confused.  Are you 
looking for car insurance or long term care insurance.  Jim and I have 
Allstate for the cars but we do pay more.

In California, no insurance company (long term) can deny you coverage 
because of your blindness.  Call me.  Let's talk.  It might be time for this

topic to be discussed at the convention.

----- Original Message ----- 
From: "Gary Deeter" <gbdeeter at sbcglobal.net>
To: <nfbc-info at nfbnet.org>
Sent: Monday, July 20, 2009 8:55 PM
Subject: [Nfbc-info] iNSURANCE

Hello,
My wife and I moved to San Diego from Seattle a couple of years ago. I have 
attended a few state conventions in Washington and hoping to come to Newark 
this fall.

We are currently investigating some Long Term Car Insurance; we are both in 
our late 50s.
Our premium is about double the amount if I was not "blind". Even though my 
wife is on several medications and I am on none I am much more of a risk to 
the insurance company.

I was wondering if anyone on he list has any experience with Long Term Care 
Insurance and may know of any company that may not be so blind phobic.

Tanks for any input.

Gary Deeter
_______________________________________________
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/mwillows%40sbcglo
bal.net 

------------------------------

Message: 2
Date: Thu, 23 Jul 2009 15:29:56 -0700
From: <ckrugman at sbcglobal.net>
Subject: Re: [Nfbc-info] iNSURANCE
To: "NFB of California List" <nfbc-info at nfbnet.org>
Message-ID: <C2A4AA767A78418CA784A09D9BA2684F at spike>
Content-Type: text/plain; format=flowed; charset="iso-8859-1";
    reply-type=response

Since there is no such thing as long term car insurance it has to be long 
term care insurance.
Chuck
----- Original Message ----- 
From: "Mary Willows" <mwillows at sbcglobal.net>
To: "NFB of California List" <nfbc-info at nfbnet.org>
Sent: Thursday, July 23, 2009 1:22 PM
Subject: Re: [Nfbc-info] iNSURANCE

> Hi Gary,
> First of all, welcome to CA.  I hope you and your wife can be with us in 
> October.  If you can get here by Thursday, 10/22 11:30 a.m. we will be 
> loading up a bus to take a walk across the Golden Gate Bridge.  Love to 
> have you.
>
> As for your question about insurance.  I am a little confused.  Are you 
> looking for car insurance or long term care insurance.  Jim and I have 
> Allstate for the cars but we do pay more.
>
> In California, no insurance company (long term) can deny you coverage 
> because of your blindness.  Call me.  Let's talk.  It might be time for 
> this topic to be discussed at the convention.
>
>
> ----- Original Message ----- 
> From: "Gary Deeter" <gbdeeter at sbcglobal.net>
> To: <nfbc-info at nfbnet.org>
> Sent: Monday, July 20, 2009 8:55 PM
> Subject: [Nfbc-info] iNSURANCE
>
>
> Hello,
> My wife and I moved to San Diego from Seattle a couple of years ago. I 
> have attended a few state conventions in Washington and hoping to come to 
> Newark this fall.
>
> We are currently investigating some Long Term Car Insurance; we are both 
> in our late 50s.
> Our premium is about double the amount if I was not "blind". Even though 
> my wife is on several medications and I am on none I am much more of a 
> risk to the insurance company.
>
> I was wondering if anyone on he list has any experience with Long Term 
> Care Insurance and may know of any company that may not be so blind 
> phobic.
>
> Tanks for any input.
>
> Gary Deeter
> _______________________________________________
> 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/mwillows%40sbcglo
bal.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/ckrugman%40sbcglo
bal.net 

------------------------------

Message: 3
Date: Thu, 23 Jul 2009 16:54:51 -0700
From: Bryan Bashin <bashin at calweb.com>
Subject: Re: [Nfbc-info] iNSURANCE
To: NFB of California List <nfbc-info at nfbnet.org>
Message-ID: <20090724001210.B17F82B6C47 at mail.calweb.com>
Content-Type: text/plain; charset="us-ascii"; format=flowed

Gary, Mary et al,

I've had long term care insurance with State Farm for many years.  No 
extra charge for my blindness, by the way, and the ability to use the 
benefit both at a facility or in my own home if I wish.

Good luck,

Bryan

At 01:22 PM 7/23/2009, you wrote:
>Hi Gary,
>First of all, welcome to CA.  I hope you and your wife can be with 
>us in October.  If you can get here by Thursday, 10/22 11:30 a.m. we 
>will be loading up a bus to take a walk across the Golden Gate 
>Bridge.  Love to have you.
>
>As for your question about insurance.  I am a little confused.  Are 
>you looking for car insurance or long term care insurance.  Jim and 
>I have Allstate for the cars but we do pay more.
>
>In California, no insurance company (long term) can deny you 
>coverage because of your blindness.  Call me.  Let's talk.  It might 
>be time for this topic to be discussed at the convention.
>
>
>----- Original Message ----- From: "Gary Deeter" <gbdeeter at sbcglobal.net>
>To: <nfbc-info at nfbnet.org>
>Sent: Monday, July 20, 2009 8:55 PM
>Subject: [Nfbc-info] iNSURANCE
>
>
>Hello,
>My wife and I moved to San Diego from Seattle a couple of years ago. 
>I have attended a few state conventions in Washington and hoping to 
>come to Newark this fall.
>
>We are currently investigating some Long Term Car Insurance; we are 
>both in our late 50s.
>Our premium is about double the amount if I was not "blind". Even 
>though my wife is on several medications and I am on none I am much 
>more of a risk to the insurance company.
>
>I was wondering if anyone on he list has any experience with Long 
>Term Care Insurance and may know of any company that may not be so 
>blind phobic.
>
>Tanks for any input.
>
>Gary Deeter
>_______________________________________________
>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/mwillows%40sbcgl
obal.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/bashin%40calweb.
com
>

------------------------------

Message: 4
Date: Thu, 23 Jul 2009 22:24:38 -0500
From: "Scott C. LaBarre" <slabarre at labarrelaw.com> (by way of David
    Andrews    <dandrews at visi.com>)
Subject: [Nfbc-info] Looking for People
To: david.andrews at nfbnet.org
Message-ID: <auto-000108919123 at mailfront1.g2host.com>
Content-Type: text/plain; charset="iso-8859-1"; format=flowed

Greetings:

We are very interested in talking to anyone who 
is blind/visually impaired and interested in 
pursuing a Doctor of Chiropractic degree from 
Palmer College of Chiropractic.  We are also 
interested in talking to any blind/visually 
impaired employees who either work directly for 
or through a contractor to provide 
switchboard/communication services for the 
Veterans Administration.  Finally, we are 
interested in speaking with anyone, 
blind/visually impaired, who is planning on 
attending law school, is currently an undergrad, 
and who plans on taking the LSAT either this fall or in the next year.

Please contact me at the below information.
Thanks,
Scott C. LaBarre, Esq.

LaBarre Law Offices P.C.
1660 South Albion Street, Ste. 918
Denver, Colorado 80222
303 504-5979 (voice)
303 757-3640 (fax)
<mailto:slabarre at labarrelaw.com>slabarre at labarrelaw.com (e-mail)
<http://www.labarrelaw.com>www.labarrelaw.com (website)

CONFIDENTIALITY NOTICE: This message may contain 
confidential and privileged information. If you 
are not the designated recipient, you may not 
read, copy, distribute or retain this message. If 
you received this message in error, please notify 
the sender at 303) 504-5979 or 
<mailto:slabarre at labarrelaw.com>slabarre at labarrelaw.com, 
and destroy and delete it from your system. This 
message and any attachments are covered by the Electronic
Communications Privacy Act, 18 U.S.C. ?? 2510-2521.

------------------------------

_______________________________________________
Nfbc-info mailing list
Nfbc-info at nfbnet.org
http://www.nfbnet.org/mailman/listinfo/nfbc-info_nfbnet.org

End of Nfbc-info Digest, Vol 50, Issue 16
*****************************************
_______________________________________________
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