Louisiana employers and agents must navigate a complex mix of federal and state rules when applicants omit medical history or pre-existing conditions. Understanding the difference …
Recovering Medical Costs After a Louisiana Policy is Voided for Omissions
When an accident and health policy is voided for omissions—especially omissions involving a pre-existing condition—the financial and emotional fallout can be severe. This article explains …
The Interplay of Pre-existing Conditions and Policy Effective Dates in LA
Pre-existing condition non-disclosure is a common source of disputes between insureds and carriers. In Louisiana, when a policy takes effect and what the applicant disclosed …
Consequences of Forgetting Minor Medical Procedures on Louisiana Forms
Forgetting to disclose a seemingly minor medical procedure on a Louisiana insurance application can carry consequences far beyond embarrassment. Insurers evaluate applications for omissions and …
Louisiana Accident and Health Policy Rescission Guidelines for Agents
Rescission is the insurer’s legal right to void a policy retroactively for material misrepresentation or omission on an application. For agents working in Louisiana, understanding …
How Louisiana Courts Define Intent to Deceive in Insurance Non-Disclosure
Understanding how Louisiana courts treat intent to deceive in the context of accident and health insurance non-disclosure is critical for insureds, agents, and insurers. This …
Louisiana Insurance Code Section 22:1014 and Medical Transparency
Louisiana Insurance Code Section 22:1014 plays a central role in regulating how insurers handle omissions, misstatements, and non-disclosure in accident and health insurance applications. This …
Civil Penalties for Health App Omissions Under Louisiana Law
Understanding civil penalties for omissions on health insurance applications is essential for applicants, agents, and insurers in Louisiana. Omitting pre-existing conditions—whether intentionally or accidentally—can trigger …
Louisiana Statutes on Misstatements in Health Insurance Applications
Understanding Louisiana law on misstatements in health insurance applications is essential for agents, insureds, and employers. Non-disclosure of pre-existing conditions can lead to policy rescission, …
Why Accuracy Matters Most for Non-ACA Compliant Plans in Alabama
Short-term limited-duration insurance (STLDI) and other non-ACA-compliant plans are attractive for lower premiums and flexible enrollment. In Alabama, those benefits come with significant disclosure risks—especially …