Perspective
Sep. 17, 2010
AB 1868: Leveling the Playing Field in Fight for Health Benefits
Should the judge or the insurance company decide whether an employee receives health care benefits? By Glenn Kantor of Kantor & Kantor.
By Glenn Kantor
California resident Sandra Frost learned about health insurer "discretion" too late, after her insurance company denied her disability benefits despite her having paid the premium month after month. Her doctor and the Social Security Administration certified she was disabled, but her insurer invoked her policy's discretionary clause to determine she wasn't disabled. She lost her job, house, car, life savings and ended up ...
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