by lifeagent911 » Tue Dec 30, 2008 03:20 am
This is worth it weight in gold. I suggest that you get your clients to sign it. I can't tell you how many times, it have help the agent, when a client lied on the application.
Applicant's Statement of Truth and Acknowledgement
I hereby acknowledge that all my answers given on application(s) for life, long term care, cancer and/or health insurance today, ___________________2009 are true and complete to the best of my belief and knowledge.
I will review the application(s) completely to make sure all answers are correct and complete before signing such application(s).
I fully understand that an insurance company can later rescind a policy or deny/reduce a claim/benefit due to my application answers that were not knowingly truthful in fact, misrepresented, or lacked material information known by me. This information includes, but is not limited to, my current and past medical history as well s any tobacco usage.
Furthermore, I will not hold you, my agent, responsible in any manner whatsoever should a company later rescind a policy or deny/reduce a claim/benefit for these reasons.
________________________________
Applicant/Owner
__________________________
Agent
___________________________
Witness/Beneficiary (if available)
This form should be retained by the agent.
A copy may also be given to the applicant/owner.
Applicant's Statement of Truth and Acknowledgement
I hereby acknowledge that all my answers given on application(s) for life, long term care, cancer and/or health insurance today, ___________________2009 are true and complete to the best of my belief and knowledge.
I will review the application(s) completely to make sure all answers are correct and complete before signing such application(s).
I fully understand that an insurance company can later rescind a policy or deny/reduce a claim/benefit due to my application answers that were not knowingly truthful in fact, misrepresented, or lacked material information known by me. This information includes, but is not limited to, my current and past medical history as well s any tobacco usage.
Furthermore, I will not hold you, my agent, responsible in any manner whatsoever should a company later rescind a policy or deny/reduce a claim/benefit for these reasons.
________________________________
Applicant/Owner
__________________________
Agent
___________________________
Witness/Beneficiary (if available)
This form should be retained by the agent.
A copy may also be given to the applicant/owner.
Posted: Fri Jan 02, 2009 04:48 pm Post Subject: insurance
I just don't know why others have such a problem with THIS particular case. ...the case is pretty 'cut and dry.'
Posted: Fri Jan 02, 2009 07:47 pm Post Subject:
I would think that they would have to disclose the information especially if it has to do with the health and that it would lead to claims.
Think about it, it would almost be as if you were shopping for car insurance and you did not have to disclose your driving record.
homeowners and you don't have to disclose that six of your past homes burned down and was suspicious.
I know that hippa is in place to protect the privacy of the patient, and it is on a need to know basis. But I would tend to think that if some one had a life threatening condition that they would have to disclose it when applying for health or life insurance. I am sure there are policy that would cover them but at a much higher price somewhere.
Posted: Fri Jan 02, 2009 10:45 pm Post Subject:
sdchargersfan, in the spirit of argument and not to be argumentive.
This is my second request for information:
Please link us up to credible and verifiable information that supports your understanding of HIPPA.
Not what you think, what your friend thinks, what a county case worker thinks or what anyone else thinks.
I'm going to go out on limb and risk my *SAFE designation and state your understanding of HIPAA is incorrect.
Please find credible and verifiable information that supports your understanding of HIPPA and link us up.
Posted: Sat Jan 03, 2009 02:51 am Post Subject: insurance
My 'client' doesn't have to reveal anything about her Medical condition. I understand your point, GOODNATURED, however........that's just how it is. Because I am the 'client's Personal Care Aid, I, TOO, am not obligated to say a thing.
Posted: Sat Jan 03, 2009 04:28 am Post Subject:
Wow, did the client sign the hippa allowing you to tell us, what you have already told us then? About the lawsuit and the hiv/aids and the other things.
So when you are back into a corner, and don't know what you are talking about then you are no longer obligated to answer the question or know what your talking about.
I'm glad you are not in the insurance business, that you don't have a lic, and that you don't know what the hippa laws really mean. Anyone on here can see that you are clueless. You also make things up as you go.
What is cut and dry as you say, is that you don't have a clue as to what you talking about with the hippa law and that the client does not have to disclose the fact that they have hiv/aid to the insurance company they are applying to.
Posted: Sat Jan 03, 2009 04:31 am Post Subject:
Did she have the insurance prior to finding out that she was sick, then that is different.
sdchargers, if you don't mind, what field do you work in? I know you do the military reserve component but had no clue that you worked in the insurance or human service field, just curious?? if you feel like letting us know, I am just curious??
Posted: Sat Jan 03, 2009 04:41 am Post Subject:
She has had no hippa training. She does not have an insurance lic. She likes coming onto the agent section of this forum and acting like she know what things like the hippa law really are.
Go back and read her other post on this thread. She thinks a client can lie to us about having aids/hiv and still apply for the insurance and if we don't take her, they will end up sueing us.
It started off as a friend of her, now is something else. Notice she said refused to sell him life insurance. So he was applying for the coverage and she thinks the hippa law allows him not to tell use the truth and he sued the company and won. I like to see the link to this lawsuit. IT would have made the news.
"A friend of mine has a 'pre-existing' Medical condition, that is 'covered' under the HIPAA Law. 'His' Insurance company refused to sell him Life Insurance if he did not sign a similar form ('not responsible for...). His Mother was POA. When my friend passed away, his mother sued the Insurance company and won."
"The HIPAA Law......my friend was HIV..AIDS. He din't have to divuldge any of that information to any sort of Insurance."
Posted: Sat Jan 03, 2009 05:11 am Post Subject:
I am in totally agree with you, I would not think that the insurance company has every right to know a full medical history and full present health, how the heck would they know to put the proper policy in place.
Like I am a smoker, does that mean I can say, I don't smoke, about the same deal right?
I know Hippa covers only medical information, I deal with the Veterans administration, they have three different hippa forms. I have to sign to get my own information, three different releases with hippa statements. One is directly related to communicable disease, one is for mental health and the third is for general conditions or other conditions. If you sign the wrong one, then you will not get any information.
I know that they will only release the information on a need to know basis, in the case of insurance, I would assume it would be all three.
Posted: Sat Jan 03, 2009 12:12 pm Post Subject:
I don't think its at all a question of what we believe and what we don't..
An insurance carrier should at least know that much health info which holds good on the coverage benefits that you're applying for. You're definitely putting them at a risk of covering you under adverse circumstances.
Posted: Sat Jan 03, 2009 01:23 pm Post Subject: insurance
Insurance Agent?: nope, wouldn't want to be. I work in Human Resources, within 'my' company. I told you the SITUATION of the 'client'. I never said a name, etc. We are trained in HIPAA, private polices, etc. We're actually trained by the 'Aids Alliance' ( what i like to call it..) section of a local clinic here. I work with the Elderly and Handicap. I have one of the most 'difficult' cases. This is my 'full time' job. The Army Reserves is a 'part time' thing.
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