William C. Brown Co. v. General American Life Insurance Co.

LAVORATO, Justice.

Insurance companies are increasingly using so-called “other insurance” provisions to limit or eliminate their liability if the insured has other insurance. In this case a claimant was covered as a dependent under her husband’s employee group health plan. The claimant was also insured under an individual policy, which was issued to her after she exercised a conversion privilege in her own employee group health plan. The husband’s plan had an “other insurance” provision commonly referred to in insurance industry parlance as coordination of benefits (COB). The COB provision…