Accident Coverage for William Paterson University of New Jersey Workers & Families

How does a history of alcoholism or substance abuse impact Accident & Injury Insurance underwriting in William Paterson University of New Jersey, NJ?

Active alcoholism or non-marijuana drug abuse within 3-5 years declines at almost all A-rated carriers. Recovery five or more years out, with no relapse and no current use, rates at Standard. Pancreatitis or liver disease secondary to chronic alcohol use is treated as a separate impairment with its own decline path. Simplified-issue final-expense generally postpones recent substance-abuse disclosure rather than declining.

Consensus position:Active alcoholism within 5 years declines on fully-underwritten; recovery beyond 5 years with no relapse rates Standard; non-marijuana illicit drug use within 7 years declines or rates Table 4-8 at most carriers.