Oppose Letters

This bill would eliminate consumer protections for everyone who purchased life insurance prior to January 1, 2013, and would disproportionately impact seniors and the disabled for whom the existing laws were designed to protect.  These existing protections seek to address the historical problem of life insurance policies of elders and the disabled lapsing due to cognitive impairment, infirmity, or death. 

AB 499 seeks to amend California law governing referral agencies for assisted living facilities (known in California as Residential Care Facilities for the Elderly or RCFEs) to provide accountability, but instead creates unnecessary communication and compliance barriers. Specifically, while the bill allows referral agencies to provide information to seniors about its services and fees verbally, it requires seniors to submit a written request if they want to receive such information in writing.