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Coverage Gap Raises Ethical Quandary

The question posed in my last ethics column on March 11 involved gaps in coverage. When coverage terminates for nonpayment of premiums or other valid reasons, insurers may later reinstate coverage back to the termination date when they are assured that no incidents triggering coverage are known to the insured. Is it ethical to declare that coverage existed for the period of time during which there was no coverage?

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