Simplified Issue for Client Declined Due to Alcohol

[Soaringagent]

Have a client that got declined last year from a major company due to alcohol on their MIB.

They are now looking at applying again. Do you have any recommendations?

 

[InsuranceMonkey]

Simplified issue does not mean "no underwriting". Like every other SI case it'll get MIB on it and he now has codes for alcohol. His SI app will be pulled aside and given full attention.

 

[hunting101]

never, never, never, never tell a doctor or insurance company you drink or do drugs it will automatically go on MIB for 7 years.......if APS is ordered....

had a client tell doctor he drank a six pack a night, insurance company did APS and doctor labeled him a drunk and went on MIB.............DECLINE.!!!

My Brother-In-Law drinks a case a night......now that is a drunk....he gets the shakes by mid day

 

[BNTRS]

never, never, never, never tell a doctor or insurance company you drink or do drugs it will automatically go on MIB for 7 years.........

had a client tell doctor he drank a six pack a night, doctor labeled him a drunk and went on MIB.............DECLINE.!!!

Umm, the MIB is a repository used by life and health insurers to record health information about applicants. Information disclosed to a doctor isn't going to end up in the MIB by virtue of disclosing to your doctor.

I'm guessing the PI's charts were ordered from his doctor and that's where the insurance company got that information.

 

[WinoBlues]

Umm, the MIB is a repository used by life and health insurers to record health information about applicants. Information disclosed to a doctor isn't going to end up in the MIB by virtue of disclosing to your doctor.

I'm guessing the PI's charts were ordered from his doctor and that's where the insurance company got that information.

He said APS. I would say the same for weed usage. There are so many errors in APSs. We have had declines due a wife mentioning her husband seems forgetful. After getting a letter from the Doc he goes to preferred.

Sent from my Nexus 7 using Insurance Forums

 

[VolAgent]

He said APS. I would say the same for weed usage. There are so many errors in APSs. We have had declines due a wife mentioning her husband seems forgetful. After getting a letter from the Doc he goes to preferred.

Sent from my Nexus 7 using Insurance Forums

I probably would have been inclined to help that doctor remember who his malpractice carrier is.

I can't imagine what he would have written based off a comment from the wife that gets him declined.

 

[WinoBlues]

I probably would have been inclined to help that doctor remember who his malpractice carrier is.

I can't imagine what he would have written based off a comment from the wife that gets him declined.

In that case it was an email to Kaiser, every email goes into the record.

On the issue of alcohol and MJ I do not know that I would disclose it. Especially with health care changes coming. Maybe it is the untrusting tinfoil hat conspiracy nut in me.

Sent from my Nexus 7 using Insurance Forums

 

[BNTRS]

He said APS. I would say the same for weed usage. There are so many errors in APSs. We have had declines due a wife mentioning her husband seems forgetful. After getting a letter from the Doc he goes to preferred.

Sent from my Nexus 7 using Insurance Forums

Oops, I totally missed that for some reason. I apologize.

 

[GAJ638]

Oops, I totally missed that for some reason. I apologize.

I wrote a policy 5 years ago with Monumental. The client died after 20 months. The company ordered an APS. The claim was denied due to preexisting conditions. I know the family well and suggested they contact the doctor. Evidently the original doctor had died and another doctor had taken over the practice. The question boiled down to..."have you been advised to seek treatment of alcohol'?

The company turned the claim down twice more and finally paid the claim after 18 months. I wrote several appeal letters for the family. As it finally turned out. On a doctors visit. The doctor asked the patient "are you drinking much?" The patient replied something along these lines. Nawwww I did have a pint last night though.

The doctor duly advised the patient he should not drink this much and put it in his notes. This is what the insurance company originally denied it on. So I agree, never tell your doctor anything unless it is over drinks somewhere out of his office!

 

[Norwayguy]

People need to realize Drs have as much need to CYA as insurance agents. I see this in DI a lot the Dr asks how you feeling today and the female prospect has been having a bad day and says I'm pretty down/depressed as my cat just got run over or something and Dr writes down depression which is in any future APS.