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Insurance policies

By John Lloyd on Dec. 30, 2007.

This is not really a an educational story, but one that reveals another gap in the care received by individuals with disabilities. It’s the story of the Denney family and a child, David, who has such substantial disabilities that he requires extensive nursing care. Perhaps most surprisingly, it is the story of an insurance company that, after agreeing to pay for the care for years, reverses itself and forces the family to fall back on public sources for the care.

Using reasonable procedures (e.g., letters from David’s physicians), the Denneys sought to persuade the insurance company that David needed the services; when denied, they decided that the insurer’s reversal was not appropriate, and they sued.
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