Discretionary Clauses in Disability Insurance Policies

| January 8, 2019

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The ban on discretionary clauses in long term disability insurance plans has been going on for years, with more states pushing for change. In addition to Texas, many states have amended their state insurance codes to limit or ban the use of discretionary clauses in both individual disability and group disability insurance policies., This is due to the unending conflicts of interest that result in cases where an insurance company basically gives itself discretionary powers to both interpret the terms of the policy and to pay or deny claims.

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Blue Cross and Blue Shield of Nebraska

To millions of Americans, Blue Cross and Blue Shield represents peace of mind when its needed the most. That's because the Blue Cross and Blue Shield brand represents the nation's largest and most experienced health care benefit companies. 1939 was the beginning of a long tradition of health care coverage in Nebraska. Blue Cross and Blue Shield of Nebraska is a mid-size Nebraska business whose mission is to lead the way in supporting patient-focused care. We see the future of healthcare as one without confusion that adds more good years to peoples' lives. As a Nebraska-based company, we believe it’s our responsibility to be an active member of the communities in which our customers live and work.

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Spotlight

Blue Cross and Blue Shield of Nebraska

To millions of Americans, Blue Cross and Blue Shield represents peace of mind when its needed the most. That's because the Blue Cross and Blue Shield brand represents the nation's largest and most experienced health care benefit companies. 1939 was the beginning of a long tradition of health care coverage in Nebraska. Blue Cross and Blue Shield of Nebraska is a mid-size Nebraska business whose mission is to lead the way in supporting patient-focused care. We see the future of healthcare as one without confusion that adds more good years to peoples' lives. As a Nebraska-based company, we believe it’s our responsibility to be an active member of the communities in which our customers live and work.

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