Case: Health & Welfare Benefits/Supplemental Life Insurance (E.D. Ky.)

June 10, 2021, 11:33 AM

Hartford Life & Accident Co. owes $190,000 in supplemental life insurance benefits to the widow of a man who suffered from alcohol dependence before he died of esophageal cancer, a federal district court in Kentucky ruled. Hartford reasoned that the man’s diagnosis of alcohol dependence meant he shouldn’t have been approved for supplemental coverage, and that the couple misrepresented his health status by checking “no” on a questionnaire asking whether he’d been diagnosed with or treated for drug or alcohol abuse in the past five years. But alcohol dependence and alcohol abuse are different things, and medical records from the ...

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