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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Capson Physicians Insurance Company

Capson is disrupting the medical malpractice insurance industry by offering an extraordinary experience to our physicians and distribution partners. We offer a unique alternative through the people we hire, the culture we create, the partners with which we align, and the technology we develop and deploy. Capson brings integrity, authenticity, and transparency into an industry in great need of change.

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