Post-issuance investigations by health insurers can be stressful for Nebraska policyholders, especially when they involve alleged non-disclosure of pre-existing conditions. This article explains how Nebraska’s …
The 90-Day Review Rule: How Nebraska Regulates Policy Rescission
Nebraska's approach to health insurance rescission balances insurer review rights with protections for policyholders. The state uses a 90-day review period alongside stricter standards for …
Nebraska Legislative Changes to Medical History Disclosure Rules
Nebraska's LB 437 significantly reshaped how insurers may handle pre-existing condition non-disclosure and rescission of health policies. Policyholders, brokers, and employers must understand the new …
LB 437 and the Definition of Intentional Misrepresentation in NE
Health insurance rescission for pre-existing condition non-disclosure is one of the most consequential issues a policyholder can face. Nebraska’s LB 437 changed how insurers may …
Protecting Nebraska Policyholders from Sudden Coverage Termination
Health insurance rescission — the retroactive cancellation of a policy — can leave families without coverage at the worst possible moment. Nebraska’s recent legislative changes …
Rescission Risks: When Nebraska Insurers Review Your Medical Files
Insurance rescission—cancelling a policy retroactively—can create immediate financial and medical peril for Nebraskans. Nebraska Legislative Bill 437 (LB 437) changed how insurers can use medical …
Understanding the Burden of Proof for Fraud in Nebraska LB 437
Nebraska LB 437 changed how insurers can respond when a policyholder fails to disclose pre-existing conditions. This article explains the burden of proof for fraud …
How Nebraska Law Limits Insurer Power to Cancel for Omissions
Nebraska has tightened rules on when health insurers can cancel or rescind coverage for non-disclosure of pre-existing conditions. Recent legislative changes—most notably LB 437—shift the …
Nebraska LB 437: New Standards for Health Policy Rescission
Nebraska LB 437 marks a significant change in how insurers may cancel (rescind) health insurance policies based on alleged non-disclosure of pre-existing conditions. The law …
The Risks of Post-Claim Underwriting in New Mexico Insurance Law
Post-claim underwriting occurs when an insurer investigates the policyholder’s application after a claim is submitted, looking for misstatements or omissions—often about pre-existing conditions. In New …