Insurer to provide its reasons for adverse underwriting decisions - Conn. Gen. Stat. § 38a-985

Insurance institutions or agents (“Insurers”) that issue an adverse underwriting decision must either (1) provide the individual with a written explanation for the adverse decision or notify the individual that they may request a written explanation of the Insurer’s decision; or (2) notify the individual that of their rights to access, correct, amend, or delete personal information, in accordance with §§ 38a-983 and 38a-984, and their right to request further information within 90 days of receiving notice of the adverse decision.  

Within 21 days of receiving an individual’s request for further information, an Insurer must: (1) provide the individual with a written explanation of the decision; (2) “the specific items of personal and privileged information that support” the adverse decision; (3) “the names and addresses of the institutional sources that supplied the” personal and privileged information. Insurers do not need to release specific information if they reasonably suspect the individual is engaged in fraud or other criminal activity. Insurers that release medical information obtained from a medical professional or medical-care institution pursuant to this process may release the information to either the requesting individual or a medical professional designated by the individual. Such information must include the identity of the medical professional or institution that is the source of the information.

Insurers may utilize an agent to fulfill their adverse underwriting decision notification obligations.