GN 00302.575 Insurance Policies (Life, Health, Accident, Burial, etc.)
Evidence of the individual's age at a given time or of his/her exact DB may be available on an insurance policy in the claimant's possession. In most cases, the policy itself will show only the claimant's age in relations to the date the policy was issued.
B. Common types
Two of the most common types of insurance policies the claimant may possess are:
C. DO development guidelines
The following chart shows the DO what development guidelines to use in determining a person's age or DB from an insurance policy.
|IF the policy is...||AND...||THEN...|
Ordinary life insurance
Has application attached
Take DB information from application, rather than policy
Ordinary or industrial life insurance
Do not ask an insurance company about the
policy uhless there is a cooperative agreement between the DO and the company
You may, however, help claimant get from company a certificate of date on the record.
NOTE: Such help may include preparation of letter for claimant's signature. Letter will:
Request whenever possible that information be sent directly to DO
Always indicate type and number of policy
Show present street address of insured if policy is industrial life policy still in force
Show address of insured when policy lapsed, if policy lapsed industrial life policy
Other type (e.g., group, burial)
In absence of evidence to contrary, consider age to have been given as of either the next or last birthday if to do so would yield the same DB as other documentary evidence in file (including OCRO record).
Otherwise, do additional development
| || || |
Document file with sufficient information to show what type of policy is involved.
If DB or age as of particular birthday (last, next, or nearest) is not shown, undertake further development to determine type of policy.
| || || |