Path: utzoo!attcan!uunet!know!cs.utexas.edu!yale!bunker!wtm
From: 71521.2451@CompuServe.COM (Tzipporah BenAvraham)
Newsgroups: misc.handicap
Subject: Insurance companies
Message-ID: <15118@bunker.UUCP>
Date: 24 Oct 90 03:27:22 GMT
Sender: wtm@bunker.UUCP
Reply-To: 71521.2451@CompuServe.COM (Tzipporah BenAvraham)
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Approved: wtm@bunker.UUCP

Index Number: 11241

Bill I hope Patt can forward this to you. This was about the
kid denied insurance. I forwarded it to Dan Kohane who is
lawsig sysop on Compuserve. he is also a prof of insurance law
He says to refer by internet to him as needed. He sent you
this answer on Compuserve also. Hope this helps the kid.
Here is his reply.

Date:  21-Oct-90 15:18 EDT
 From:  Dan D. Kohane [76702,1272]
 Subj:  the kid and insurance woes

Why would the last alternative to be hiring  a lawyer?  Not being
able to ascertain the reasons fo the disclaimer, it is obviously
impossible for me to comment on the validity of the denial of
coverage.  If this matter involves substantial benefits, and I
assume it does, he should run, not walk, to a law firm that has
familiarity with insurance issues and get some professional
advice.  That counsel can help in the insurer-appeal process as
well as the court action, if that becomes necessary.

Frankly, Human Relations Department, and insurance departments are
of little value in solving individual coverage problems, especially
if the matter involves substantial dollars.

Certainly, the Human Relations Department can secure for him a copy
of the insurance policy.  That document, as well as all
correspondance with the insurance carrier on coverage issues should
be provided to counsel.  His local bar association can help him
identify attorneys in his community who deal in insurance company
or disability issues so that you can identify counsel with the
proper experience.

The fact that they paid for six months may be of some help, he is
right.  Again, it depends on the reason for the disclaimer.

I will send a copy of this to Mr. McGarry, as well.

                                       --dan--