RISK Position: B Risk Classification Monitor state proposals that would prohibit or limit underwriting based on CLASSIFICATION: (McGuffey) GENETIC genetic tests or information. enactment of state legislation which would limit underwriting for LILS# 6 Genetic INFORMATION/ Support TESTING life, disability income, or long-term care insurance provided: Testing --(i) traditional medical underwriting on the basis of traditional medical information and medical tests is not jeopardized; SR Liaison: Risk Classification: Gerni --(ii) continued access to and underwriting on the basis of all medical Generally information (including genetic information and the results of genetic tests) which exists at the time the individual applies for coverage is allowed; and --(iii) even if limitations placed on life right to require individuals to insurers’ undergo genetic tests, the right to require routine medical tests in use today and any other tests, including genetic tests, once they become generally accepted in clinical practice is preserved. Support also a requirement that there be a relationship between medical information that is the basis for an underwriting action and the cost of insurance. Compliance Notes: Include in summary how provisions relate to ACLI positions on genetic testing; also, if provisions were enacted or amended in compliance or in reaction to the federal Genetic Testing Information Act (GINA). Web Keywords: genetic testing, GINA (if applicable) RISK Position: B Risk Classification proposals relating to prescription drug histories, that would limit life, CLASSIFICATION: Oppose (McGuffey) PRESCRIPTION disability income or long-term care right to obtain, use, or insurers’ DRUG HISTORY underwrite on the basis of information relating to existing or prospective prescription drug histories. customers’ Risk Classification: Monitor proposals relating to prescription drug histories that do not impact Generally insurers' ability to obtain, use, or underwrite on the basis of prescription drug histories. Web Keywords: risk classification
RISK CLASSIFICATION: GENETIC INFORMATION/ TESTING Risk Classification: Generally Position: Monitor state proposals that would prohibit or limit underwriting based on genetic tests or information. Support enactment of state legislation which would limit underwriting for life, disability income, or long-term care insurance provided: --(i) traditional medical underwriting on the basis of traditional medical information and medical tests is not jeopardized; --(ii) continued access to and underwriting on the basis of all medical information (including genetic information and the results of genetic tests) which exists at the time the individual applies for coverage is allowed; and --(iii) even if limitations placed on life insurers’ right to require individuals to undergo genetic tests, the right to require routine medical tests in use today and any other tests, including genetic tests, once they become generally accepted in clinical practice is preserved. Support also a requirement that there be a relationship between medical information that is the basis for an underwriting action and the cost of insurance. Compliance Notes: Include in summary how provisions relate to ACLI positions on genetic testing; also, if provisions were enacted or amended in compliance or in reaction to the federal Genetic Testing Information Act (GINA). Web Keywords: genetic testing, GINA (if applicable) B Risk Classification (McGuffey) LILS# 6 Genetic Testing SR Liaison: Gerni RISK CLASSIFICATION: PRESCRIPTION DRUG HISTORY Risk Classification: Generally Position: Oppose proposals relating to prescription drug histories, that would limit life, disability income or long-term care insurers’ right to obtain, use, or underwrite on the basis of information relating to existing or prospective customers’ prescription drug histories. Monitor proposals relating to prescription drug histories that do not impact insurers' ability to obtain, use, or underwrite on the basis of prescription drug histories. Web Keywords: risk classification B Risk Classification (McGuffey)