You're listening to Bill Handel on demand from KFI AM 640.

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the law.com. Click on the Join Today tab at the top of the page. The following is a pre-recorded

program. Veronica, hello, Veronica. Hi, Bill. I have a question regarding some insurance issue.

My mom, she's been battling cancer for the last year and a half,

and she had to retire a couple of months ago, and she still has insurance through her employer.

However, the policy usually is over at the end of December. My mom's deductible has been paid off.

Recently, they changed over the insurance, but now she has to pay the deductible all over again.

I just want to wait. Wait, wait, wait. She has to pay me they changed it before the the the insurance

policy ends in December let's say they've changed it before that just

arbitrarily said we're not waiting for the insurance policy to lapse or to end

we are now changing it midstream do I have that right that, okay. And now, so she has a whole new deductible

to pay. Yeah, so she has a surgery coming up. Yeah, no, no, I know. Yeah, no, I get it. All right,

practically, can she hold that out off? Well, that doesn't matter. Well, could she hold that off until the

end of the year or to start of the new year? Practically speaking now. I'm just saying, can she hold out off? Well, that doesn't matter. Well, could she hold that off until the end of the year?

Or to start of the new year? Practically speaking now. I'm just saying, can she hold it off? We're close enough.

No. No. Okay. Well, I'm just curious because that would have been a real easy answer and it's not a legal answer. It just would have happened.

Well, they did tell us because I asked, with the new policy,

we asked the new insurance company how long this policy will ask if it's just going to be until the end of the year.

But they said it's going to be a whole 12 months.

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