Everything listed under: exclusion

  • Denial Under Long Term Care Insurance

    Claimant was heavy drinker but never any signs or treatment for addiction or alcoholism. Required long term care because of liver cirrhosis. Benefits are being denied based on an exclusion not to pay for confinements "that result from drug or alcohol addiction." Have you heard of similar issues?  Read More...

  • Public policy / insurance policy exclusions

    Am I right that an insurance policy exclusion that is against public policy is not valid and will not be enforced by the courts? Answer: I think you are thinking of a line of cases like McElmurry v. Garbow, 2005 OK CIV APP 38, 116 P.3d 198, 200-201: “Even in the absence of a violation of a law's express provision, an exclusion may nonetheless be invalid for nonconformity to the policy of the law.   Read More...