Broker Lin is reviewing a client's health insurance paperwork before sending it to the home office. He notices that the client completely skipped a question about recent surgeries, and a prescribed medication is misspelled. Which of the following are legally acceptable procedures for handling these issues? (Select all that apply)
- Have the applicant cross out the misspelled medication, write the accurate term, and provide their initials next to the revision.Answer
- BCorrect the spelling error himself without contacting the client, since it is an obvious clerical mistake.
- CForward the paperwork to the insurer with the blank space remaining, assuming the underwriter will ignore the omission.
- Meet with the applicant again to fill in the omitted surgery information and have them initial the new entry.Answer
Answer
The correct procedures are to have the applicant cross out and initial the spelling correction, and to meet with the applicant to fill in the missing information and initial the addition.
The application is a binding legal document. Any alterations or additions must be made by the applicant and verified with their initials to ensure they agree with the representations being submitted to the insurance company.
Step-by-Step Solution
Key Concept
Application Completeness and Alterations