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in 1957 as an hourly wage earner. Callahan started participating in Dawes' group health insurance program. In 1975, without consulting the employees, Dawes changed coverage from the existing insurer to another insurance company. The insurer's representative said the coverage was the same as under the former policy and said nothing about exclusion of coverage for pre-existing illnesses. Callahan, who could not read but could sign his name, signed an application for insurance as directed by the insurer's representative. Unknown to Callahan at the time the new insurance master policy had a provision which prohibited payment of medical expenses incurred as a result of pre-existing illnesses until the policy had been in effect a certain period of time...
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Common topics in this essay:
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