Suppose the nearly illegible ‘fine print’ in my policy is unclear and ambiguous?
The law recognizes that insurance policies are complex and complicated and disability policies are no exception. Insurance companies, which obviously have an unequal bargaining position with respect to the insured, write policies. For this reason, the law generally provides that the plain meaning of an insurance policy, plan or evidence of coverage governs its meaning and construction.
The policy or plan must be read as a whole in order to determine the reasonable meaning of the terms and the intent of the parties, and be consistent with the intended goal of the insurance or plan. If, a policy or plan term is ambiguous, or of doubtful meaning, or there is a conflict between terms in the policy and/or evidence of coverage, the law generally provides that the policy or plan language should be construed in favor of the insured or member and against the insurer or plan.
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