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CONSUMER ALERT – February 25, 2020
Insurance Commissioner Reminds Active Duty Personnel and
Carriers of Unfair Practice Targeting Deployed Military

The Connecticut Insurance Department wants to remind insurers and active-duty military that any surcharge for policy lapses made by active duty military personnel is an unfair practice.

Please be aware that in Connecticut no active military personnel upon their return to the states should face an extra charge to reinstate the policy lapse. This surcharge is commonly referred to as the “Patriot Penalty.”

Any member of the Armed Forces who was a policyholder in good standing at the time of deployment and can show proof that the policy lapse occurred during active service, are expected to be treated as if the coverage was continuous and the surcharge waived.

The Insurance Department issued guidance in 2004 that prohibits insurers from issuing this type of a surcharge.

Read the CT Insurance Department Position on Underwriting Standards for Members of the Armed Services Returning from Active Duty.

The Consumer Federation of America recently released a list of states where this practice continues to be a concern.

While Connecticut residents do not appear to be affected, anyone with questions should contact the Consumer Affairs Department by email at or call 860-297-3900.

About the Connecticut Insurance Department: The mission of the Department is to protect consumers through regulation of the industry, outreach, education and advocacy. In FY 2018, the Department recovered more than $4.5 million on behalf of consumers and regulates the industry by ensuring carriers adhere to state insurance laws and regulations and are financially solvent to pay claims. The Department’s annual budget is funded through assessments from the insurance industry. For every dollar of direct expense, the Department brings in about $8.35 to the state in revenues. In FY 2018, the Department returned more than $145 million in assessments, fees, fines and penalties, and taxes to the state’s General Fund.
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