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: Sat Jan 03, 2009 03:36 pm Post Subject:
Ok, Looks lifeagent has this covered, I am not an agent so I am getting off this thread. Hope you all work this out.
Posted: Sat Jan 03, 2009 04:48 pm Post Subject: insurance
There is nothing to "cover" in this case. Everyone has their opionions on different issues that people have. In this 'case', it 'is what it is'.
Posted: Sat Jan 03, 2009 04:50 pm Post Subject: insurance
People don't HAVE to AGREE on how 'cases', like this one, are handled. They just need to accept it.
Posted: Sun Jan 04, 2009 11:23 am Post Subject:
If you get sick after the policy is in place it is a different story.
THAT is the crux of the whole thing fire...perfect!Posted: Sun Jan 04, 2009 11:33 am Post Subject:
sdchargersfan wrote:
People don't HAVE to AGREE on how 'cases', like this one, are handled. They just need to accept it.
I agree.
See THIS LINKY from the United States Government.
Permitted Uses and Disclosures.
A covered entity is permitted, but not required, to use and disclose protected health information, without an individual's authorization, for the following purposes or situations:
(1) To the Individual (unless required for access or accounting of disclosures);
(2) Treatment, Payment, and Health Care Operations;
(3) Opportunity to Agree or Object;
(4) Incident to an otherwise permitted use and disclosure;
(5) Public Interest and Benefit Activities; and OCR Privacy Rule Summary 5 Last Revised 05/03
(6) Limited Data Set for the purposes of research, public health or health care operations.
Covered entities may rely on professional ethics and best judgments in deciding which of these permissive uses and disclosures to make.
(2) Treatment, Payment, Health Care Operations.
A covered entity may use and disclose protected health information for its own treatment, payment, and health care operations activities. A covered entity also may disclose protected health information for the treatment activities of any health care provider, the payment activities of another covered entity and of any health care provider, or the health care operations of another covered entity involving either quality or competency assurance activities or fraud and abuse detection and compliance activities, if both covered entities have or had a relationship with the individual and the protected health information pertains to the relationship.
Required by Law.
Covered entities may use and disclose protected health information without individual authorization as required by law (including by OCR Privacy Rule Summary 7 Last Revised 05/03 statute, regulation, or court orders).
So I suppose in the absence of credible information to the contrary we should all just AGREE to DISAGREE.
After all, sdchargersfan,... is correct:
People don't HAVE to AGREE on how 'cases', like this one, are handled. They just need to accept it.
Posted: Mon Jan 05, 2009 02:28 am Post Subject: insurance
I do want to make a comment: I'm glad I'm NOT an Insurance Agent/Expert......most of them worry too much about getting their quotas each month, signing some stupid form, or quoting a bunch of 'mumbo jumbo' that means absolutely nothing. What happened to the CLIENTS' needs? That's where ALOT of my job 'comes in to play'. I'm there to 'PROTECT' the 'client'. ...to 'protect' her rights and make sure Insurance companies, Doctors, Clinics, etc. give her the respect she deserves.
Posted: Mon Jan 05, 2009 02:48 am Post Subject:
Most of us are glad you are not an insurance agent or expert. We clearly see that you don't know what your talking about and that you are doing a lot of back tracking when confronted with facts.
I for one don't have a quota. It is in the clients best interest to have them tell the truth to an insurance company. LOL What you think means absolutely nothing does not mean anything to us real life agents. I bet you would think a lot of question an a application is "Mumbo jumbo" as you call it.
If you want to protect your client, or their rights, just be sure you know what your talking about and that you are not misinforming them.
I'm going to try once again to make the hippa simple for you. When a client is applying for insurance, they sign a hippa consent form that gives us permission to do an mib/rx check on you and to use what ever means we can, to find out details about you. If you do not sign the hippa form, then the agent can not help you and can't not sell you the insurance.
Life insurance is not some right that you has as a client. You do not have the right to lie to us either. You might want to look up the term " Insurance Fraud". That does not mean that people don't try and lie to us, because some/a few do try. Some might even get a way with it, so they think.
There are some death claims that will not be paid due to fraud, depending on the case.
Lets just look at what you said again. It was your friend instead of you client to start with. You said the hipaa law covers his right to lie to an insurance company and the insurance company refused to sell your friend insurance due to hiv/aids and they sue the company and won.
I'm going to be honest with you. I don't believe you one bit. Just tell use the name of the insurance company and we will look up the company and see if they lose a lawsuit. I bet you can't do it.
The following is what you said again on this post.
"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: Mon Jan 05, 2009 04:43 am Post Subject: insurance
I KNOW what I said. My friend, who was ONLY 36 when he died, had HIV. He passed away in December of 2005. He was a VERY DEAR friend..I knew him 17 years. I went to his 'Viewing' and his Funeral. When he passed away, his mother took in ALL of the 'evidence' she had, to a lawyer. She started 'proceedings' after my friends death. When she WON the Lawsuit, she gave ALOT of the money to the Aids Reasearch ( that kind of thing). The 'client' I take care of now is going through so much BULLS@@T with the Insurance companies, it's not even funny....BOTH Medical and Life Insurance are really giving her a hard time. THANK GOD she has 'mediation' ( the clinic she deals with, her Caseworker, and me), that she doesn't have to go through this alone. Whether you believe me or not, that's up to you. ANYONE has a "right" to have Medical or Life Insurance......even you. I don't know where you 'come off' saying that. I am SOOOO 'bitter' toward those who don't give a DAMN about other people ( sound familiar? It should).
Posted: Mon Jan 05, 2009 05:45 am Post Subject:
I too would also request you to provide us with the information regarding HIPAA. Its certainly something very unusual that the patient doesn't have to disclose medical information to the life insurer. Then upon which the insurer will base the underwriting norms? A medical condition affects the life expectancy and therefore the insurability of the individuals. If the insurance company can't request for the certain health information then it defies the whole purpose of underwriting and somewhat works like the guaranteed issue policies, where the applicants can't be excluded of the benefits depending upon their health status.
~Jeremy
Posted: Mon Jan 05, 2009 06:02 am Post Subject:
Well, if I presume that what Sd is stating is right, then the entire insurance industry would run into bankruptcy, they will not be able to put exclusions on smokers or can high from them. They shouldn't be allowed to turn down any applicant depending upon their health condition and should cover you under any circumstances.
As much I understand about the Health Insurance Portability and Accountability Act that it prevents misuse of the health information of the individuals and protects their privacy, but at the same time allows the insurers and medical practitioners' access to the relevant information regarding patient's health.
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