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Has brother been declared legally incompetent by a judge or medically incompetent by his doctors?
How long ago did he cancel the policy?
Ok, you just need to reply over here so you don't get charged for two separate threads..
I am not familiar with Huntington's other than what I have read, but if you can get his doctors to testify in a suit against the insurer that he was likely medically incompetent due to the disease's progression when he cancelled, you may have a chance in fighting any cancellation as legally ineffective due to his mental status.
But the truth of it is that the insurer will fight this tooth and nail and will drag this out through the courts for years, costing brother tens of thousands of dollars in attorney fees because it is in their financial interests to do so unless he can find an attorney who might take this on a contingency fee or even a pro bono basis.
I am very sorry that I don’t have better news, but please understand that I do have an ethical and professional obligation to provide customers with legally correct answers based on my knowledge and experience, even when I know the answer doesn’t make the customer happy...
It is possible, but this is really a matter of legal capacity and they really don't handle things like that as it is more for a judge to determine whether the cancellation was legally binding considering his cognitive deterioration. If he couldn't understand the ramifications of what he was doing, that could void out the cancellation.
All the best to you and yours