Does the Act Help Individuals With A History of Mental Illness or a Need for Mental Health Services?
The purchase of insurance is a prudent investment against the unforeseeable. The primary reason that people obtain insurance is to financially protect themselves in the event of, for example, a fire, automobile accident or medical emergency. In some instances, such as when taking a home mortgage or obtaining a driver’s license, providing proof of insurance is a requirement. The need for insurance among people with disabilities is no different then it is in the rest of the population. After all, people with disabilities drive cars, own homes and want to assure they will be protected in the case of a hospital stay. But people with disabilities often have difficulty even obtaining insurance coverage. Among those who do have insurance, they experience a higher rate of claim denials, larger premiums, more cancellations and more refusals to renew policies than the general population. While these problems are most frequently experienced within the area of health insurance, people with disabil
