Court of Appeals: In the Matter of Charlene Polan, Appellant, v. State of New York Insurance Department, Respondent

July 1, 2004 Court of Appeals: In the Matter of Charlene Polan, Appellant, v. State of New York Insurance Department, Respondent 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 provision by failing to afford equivalent coverage for mental and physical disabilities. For the reasons that follow, we conclude that . . .