Polan v. STATE INS. DEPT.
New York Court of Appeals
1Opinion of the Court
OPINION OF THE COURT
Read, J.
Insurance Law § 4224 (b) (2) prohibits an insurer from limiting the coverage available to an individual on account of a physical or mental disability unless permitted by law or regulation and statistically or empirically justified. We are asked to decide whether a long-term disability plan open to both disabled and nondisabled employees on the same terms violates this provi sion by failing to afford equivalent coverage for mental and physical disabilities. For the reasons that follow, we conclude that it does not.
I
Petitioner Charlene Polan’s employer provided its…
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