INSURANCE: Eligibility provision of assisted-living policy required only that provider certify that person needed services because she was “Chronically Ill,” insurer’s “needs and receives” interpretation of ambiguous provision rejected… eligibility satisfied when doctor said person was cognitively impaired and needed supervision, policy breached when insurer represented otherwise, whether breach caused damages for jury to resolve… insurer’s refusal to even consider doctor’s letter certifying that person was cognitively impaired and needed assisted living violated §33-18-201(4) requirement to consider “all available information,” whether violation caused damages for jury to resolve… contra proferentum precludes summary judgment for insurer’s reasonable basis defense… promise by insurer years ago to sell policy that would cover all needs if person had to move into assisted living facility not necessarily fraud… Kutzman. [Read more…]