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Anticipate your clients' tax questions on Social Security, annuities and a range of investment products
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Go deeper on emerging topics, as well as key firms and thought leaders
A deep dive into how advisors can best serve the evolving needs of their wealthiest clients
Tax Facts
Anticipate your clients' tax questions on Social Security, annuities and a range of investment products
Popular Financial Topics
Go deeper on emerging topics, as well as key firms and thought leaders
A deep dive into how advisors can best serve the evolving needs of their wealthiest clients
Tax Facts
Anticipate your clients' tax questions on Social Security, annuities and a range of investment products
Popular Financial Topics
Go deeper on emerging topics, as well as key firms and thought leaders
A deep dive into how advisors can best serve the evolving needs of their wealthiest clients
Tax Facts
Anticipate your clients' tax questions on Social Security, annuities and a range of investment products
Popular Financial Topics
Go deeper on emerging topics, as well as key firms and thought leaders
A deep dive into how advisors can best serve the evolving needs of their wealthiest clients
Tax Facts
Anticipate your clients' tax questions on Social Security, annuities and a range of investment products
Popular Financial Topics
Go deeper on emerging topics, as well as key firms and thought leaders
A deep dive into how advisors can best serve the evolving needs of their wealthiest clients
Tax Facts
Anticipate your clients' tax questions on Social Security, annuities and a range of investment products
Popular Financial Topics
Go deeper on emerging topics, as well as key firms and thought leaders
A deep dive into how advisors can best serve the evolving needs of their wealthiest clients
Tax Facts
Anticipate your clients' tax questions on Social Security, annuities and a range of investment products
Popular Financial Topics
Go deeper on emerging topics, as well as key firms and thought leaders
March 20, 2008 at 01:21 PM
Health insurers in Connecticut can include discretionary clauses in policies and certificates but should use them only on rare occasions.
Connecticut Insurance Commissioner Thomas Sullivan gives that advice in Connecticut Bulletin HC-67.
A typical discretionary clause gives an individual or group insurance carrier discretion to determine eligibility for benefits and to interpret policy terms and provisions, Sullivan writes in the bulletin.
Discretionary clauses can be “used as reasonable and appropriate in unusual situations where there is no specific language in the policy,” Sullivan writes.
But Sullivan notes that the clauses cannot be used to deny a claim which otherwise ought to be paid.
The clauses also cannot be used to deny an insured’s right to appeal to the insurer, the right to use an external appeal process, or the right to go to court, Sullivan writes.
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