Postdating effective date of life insurance
What is an estimated due date, and how is it determined? Do women’s goals and preferences for their births matter? At which point do the benefits of being electively induced outweigh the risks?
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The circuit court also held that none of the language contained in the Flex Plan documents could reasonably be interpreted to create a promise of vested lifetime benefits. The district court denied Genworth’s request, holding that a Michigan statute exempted the money from garnishment because it was a payment from an insurance company for a disability.
In any event, the circuit court added, even if a plan document of the Flex Plan had contained such a promise, it would likely have been unenforceable in light of a reservation-of-rights clause in several plan documents that clearly reserved to Xerox the right “to amend, suspend or terminate the Plan . Then, the district court ordered Sun Life to pay the plaintiff ,641.94 in attorney’s fees and interest because of his successful appeal of its termination decision. It found that the attorney’s fees in this case were not exempt under the Michigan statute because the fees were not disability benefits under the plaintiff’s insurance policy and the statute made no reference to attorney’s fees or to money paid by a party in litigation, exempting only money or other benefits paid “on account of” a disability.
Out of all women who were induced, 44% said that they were induced because their baby was full term and it was “close to the due date.” Another 18% said that they were induced because the health care provider was concerned that the mother was “overdue.”For many years, the common belief was that elective (not medically indicated) inductions doubled the C-section rate, especially in first-time mothers.
Elective inductions might occur for social reasons, like the doctor wanting the mom to give birth before he or she goes out of town, or other non-medical reasons like the mother wanting to be done with an uncomfortable pregnancy.