Posted on March 16, 2010.
Discrimination against people with disabilities? My wife and I went to his box to take out life insurance for me because now I am disabled because of a chronic back injury. The box it subcontracts, so the insurance company has a representative. there are 2 times a week. We met with her and she said: "Sorry, we can not assure you, we do not sell life insurance to people who are disabled.
I explained that my disability is a chronic back injury, not a fatal disease and I have the same life expectancy as everyone else. We also told him that we need life insurance, no health insurance! She then refused to even take our application and tried to sell us insurance "hospitalization".
In a few days we have spoken to the management of cash and they said they had no control over the policies of the insurance company, we must contact the insurance company, but when I went on their website, all they have is a PO box address! (Http: / / www.familysecurityplan.com)
I just watched this in the agreement:
III-3.5000 Discrimination on the basis of the association. Public housing can not discriminate against persons or entities because of their known relationship or association with persons with disabilities.
This prohibition applies to cases where public housing has knowledge of the disability in both the individual and his relationship with another person or entity. In addition to family relationships, the prohibition covers any type of association between the individual or entity that is discriminated against and the person or persons with disabilities, if the discrimination is actually based on disability.
Figure 1: The owner of a building may not refuse to rent space in a medical facility because the facility specializes in treating people with HIV disease.
Figure 2: If a theater refuses to accept K, an individual with cerebral palsy, as well as L (her brother) because K has cerebral palsy, the theater would be illegally discriminating against L on the basis of its association with K.
III-3, 11000 insurance. Insurance offices are places of public accommodation and, as such, can not discriminate on the basis of disability in the sale of insurance contracts or terms or conditions of insurance contracts they offer . Due to the nature of the business of insurance, however, the review of disability in the sale of insurance contracts do not always constitute "discrimination". The insurer or any other public housing can subscribe to classify, or administer risks that are based on or not inconsistent with state law, provided that such practices are not used to avoid the application of the ADA.
Thus, public housing may propose a plan that limits certain types of coverage based on risk classification, but can not refuse to provide or continue to refuse to insure, or limit the amount, extent or type coverage available to an individual, or charge a different rate for the same coverage solely because of physical or mental disability, unless the refusal, limitation, or rate differential is based on sound actuarial principles or is related to experience actual or reasonably foreseeable. The ADA, therefore, does not prohibit the use of legitimate actuarial considerations to justify differential treatment of persons with disabilities in insurance.
Illustration: A person who has cerebral palsy can not be denied coverage based on disability independent of actuarial risk classification.
Is this a group policy of health have a pre-existing condition exclusion? Yes. A person with a pre-existing condition may be denied coverage for that condition during the period specified in the policy. However, the individual can not be denied coverage for illness or injury unrelated to the pre-existing condition.
Can a insurance policies.
