Kellan brought the policy to the clinic with three passages marked in different colors.
“The yellow one concerns an undisclosed ability,” he said. “The blue one concerns a known medical limitation. The red one says the insurer may investigate a material omission before paying a claim.”
Eli sat opposite him. Sera stood by the window, watching a delivery cart negotiate the curb. Tessa had cleared the table after the morning appointments. Nora joined them by phone, with the policy open in front of her.
“Does it say what makes an omission material?” Eli asked.
“It refers to the insurer’s assessment of the risk,” Kellan said. “It doesn’t give a complete list.”
Nora added, “The distinction matters. A symptom you report as a limitation may be treated differently from an ability the insurer believes should have been declared. We need their written position on the facts we can provide.”
Kellan tapped the red passage. “If I get hurt on a job and they decide this mattered, they can dispute payment while Theo’s treatment bills keep coming.”
“I didn’t know the policy used that language,” Eli said.
