Cases/Resources

Appealing Your Health/Disability Denial:

Things you Should NOT DO
Calfornia Department of Insurance - Consumer Guide - Long Term Care Insurance
California Department of Insurance settles with Hartford - No more "Discretionary Clauses" in Hartford's disability insurance policies
California Department of Insurance finds that "discretionary clauses" in disability insurance policies are illegal under California law
California Insurance Commissioner Garamendi withdraws any approval of disability insurance contract forms forms containing "Discretionary Clauses"

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