My take.....

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Posted by DickR ( on February 04, 2002 at 07:48:37:

In Reply to: Next time... lie about it. posted by Frank on February 03, 2002 at 22:36:32:

I understood he was applying for private health coverage. In that case he would undergo an underwriting process. If you “omit” or outright lie the company has two years to discover that misinformation. During that time your contract is in jeopardy. Depending on the circumstances, if they discover the omission, they can cancel the contract and refund the paid premium.
I have changed my coverage, over the years, between four different companies and have never had a rider on the CH, let alone a decline. Given the fact he is taking Xanax, I would be inclined to believe that is the basis for the decline.
We all take these medications “off label”. It is important when dealing with Insurance Companies to fully explain why we are taking that particular medication. For example… Lithium is for depression and a lot of CHers take this. IF you take it for CH it should not be a problem, but if you put on the application you are taking Lithium and no follow up information, that is a decline. Many times you need your Agent involved to get these cases issued.

Take care,

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