Protecting Patients From Insurance Abuses: Groundbreaking Legislation

November 04, 2009

 ‘Ian’s Law’ Bars Insurance Companies from Denying Care to Patients


NEW YORK – Tomorrow, Senators Eric T. Schneiderman and Neil Breslin will announce major legislation to protect patients from egregious insurance industry abuses.  “Ian’s Law” makes it illegal for insurers to drop entire lines of insurance as a pretext for denying coverage to individual policyholders.

Guardian Insurance had issued a policy to the family of 37-year old Ian Pearl, a New York native who suffers from muscular dystrophy and requires round the clock home nursing care. The annual costs of caring for Ian Pearl exceed $1 million.

It would be illegal under New York State law for Guardian to drop the family's policy because Mr. Pearl needed care, so the company instead cancelled the entire class of insurance policies in the state.  

Ian’s Law will require insurance companies to get prior approval from the Insurance Department before discontinuing a class of insurance.

Press conference to announce Ian's Law

State Senator Eric Schneiderman, lead sponsor of Ian's Law
Ian Pearl (via video conferencing)
Susan Pearl (Ian's mother), Warren Pearl (Ian's father)
Other victims whose policies were terminated
Advocates supportive of the bill

250 Broadway 19th floor Senate Hearing Room NYC 10007

Thursday November 5th 11 am