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: Mon Jan 12, 2009 11:55 pm Post Subject: insurance
NO, NO....I believe you are misunderstanding, ANONYMOUS. My 'Client' ALREADY has the Life and Medical coverage. When my Client had to 're-new/update' (about 3 months ago) his/her Medical/Life Insurance policy, she was informed she DID have to tell them she has a 'pre'existing' condition. Because of the HIPAA, she DID NOT need to reveal what that condition was. My source?...as I said, the COUNTY provides this information to the Clients caseworker and myself. Links and "creditable sources" ( as you say) don't mean a THING to me. I can post a ton of links, too..........that wouldn't mean they are 'set in stone.'
Posted: Tue Jan 13, 2009 12:22 am Post Subject:
:P Best thread ever!!! :P
Happily Instigating Propaganda for Angry Applicants
Posted: Wed Jan 14, 2009 02:55 am Post Subject: insurance
"Best thread ever?".........I thought it was pretty darn good, or I wouldn't have posted it. I've actually had a few people PM me about my 'case', involving HIPAA (Life and Medical Insurance). I've given them my 'personal' e-mail address and given them the same info I've been posting, and more 'personal' information, as well. Apparently, there ARE people 'out there' who need this information.
Posted: Wed Jan 14, 2009 12:39 pm Post Subject:
That's great SD'!
I'd recomend those same persons get their information from a credible source such as THIS LINK from the United States Department of Health and Human Services.
Can you show me where on that web site dedicated to HIPAA there are provisions of HIPAA that support your claim from page one of this thread?
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.
How Inaccurate Positions Aquire Acceptance
Posted: Wed Jan 14, 2009 10:18 pm Post Subject: insurance
They DID get their information from a "Credible Source"....me. One of the people, that e-mailed me, is going through something similiar ( a 'client' point of view..kind of thing). I gave this person the information that is helping MY 'Client'.
Posted: Wed Jan 14, 2009 10:24 pm Post Subject:
Just thought I would throw this in to the conversation:
Who is not covered by the HIPAA Privacy Rule?
Your medical information may be available to many who are not covered by HIPAA. Here are some examples of who is not covered.
Life insurance companies.
Workers Compensation.
Agencies that deliver Social Security and welfare benefits.
Automobile insurance plans that include health benefits.
Internet self-help sites.
Those who collect health data you give voluntarily for surveys or research projects.
Those who conduct screenings at pharmacies, shopping centers, hometown fairs, or other public places for blood pressure, cholesterol, spinal alignment, and so on.
Researchers who obtain health data directly from health care providers.
Law enforcement agencies.
Even though these institutions are not covered by HIPAA, they may get information from a covered entity.
I think there has been some confusion about HIPAA and life insurance.
I don't know what the lawsuit was about, but I just don't think it was over HIPAA.
Posted: Wed Jan 14, 2009 11:21 pm Post Subject:
SD' I'm starting to get the feeling you're just keeping this thread going to see how many acronyms I can make out of HIPAA.
Nobody reads marathon threads but it's fun to keep them going just for the sake of keeping them going and not to mention the $0.32653459999999 dollars per post.
Most message boards would have locked this thread long ago as once the argument clearly becomes circular the thread is pointless.
Or should I say: Hilarious Inspired Postings Actuality Abandoned
Will someone please lock this thread to stop the non-sense?
Someone with HIV/AIDS has to answer the HIV/AIDS question when applying for life insurance. They also have to consent to their blood being tested for the HIV/AIDS anti-bodies. They also have to sign the HIPAA authorization form to allow the life insurance company access to their medical records.
A person who refuses to answer the HIV/AIDS question Yes or No, refuses to sign the consent form to test their blood for HIV/AIDS and who also refuses to sign the HIPAA authorization form to release medical records WILL NOT BE ISSUED A MEDICALLY UNDERWRITTEN LIFE INSURANCE POLICY.
There is no such provision under HIPAA that allows someone to refuse to answer ANY question on the Application for Life Insurance and get the policy issued.
NONE.
Nor is there any legal cause of action whereby the life insurance company asks the HIV/AIDS question and the proposed insured asserts their privacy rights under HIPAA, refuses to answer the HIV/AIDS question and then sues the insurance company for not issuing a policy.
That is absurdly preposterous.
Posted: Thu Jan 15, 2009 06:00 am Post Subject:
Most message boards would have locked this thread long ago as once the argument clearly becomes circular the thread is pointless.
You are right Gary, now even I too think that it is useless to continue discussion in this thread since we haven't got any useful information from Sd's side. However, I think that the admin hasn't done it yet since other posters like you, Maze and life have enriched this thread with valuable information, which would help many of our visitors in the coming days to get a full account of the activities of HIPAA.
We need to remain truthful with the information that we are providing in this board to must stop the visitors from getting misguided.
I'm taking the responsibility of locking this thread for good.
Regards,
Juanita
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