Connect with us

Illinois

Illinois Secretary of State Alexi Giannoulias targets car insurance discrimination

Published

on

Illinois Secretary of State Alexi Giannoulias targets car insurance discrimination


Finally, someone is taking insurance companies to task.

Illinois Secretary of State Alexi Giannoulias has drafted a bill that would base car insurance rates on driving records and not socioeconomic factors that can discriminate against consumers.

Under current state law, insurance companies can use data from sources like social media to charge higher insurance premiums based on race, ethnic origin, religion, gender, sexual orientation, age, marital status or a disability.

In Illinois, 70-year-old drivers pay, on average,12% more than 60-year-old drivers, while 75-year-old drivers pay 25% more for a full coverage policy.

Advertisement

That’s even though a 2020 report from the federal Centers for Disease Control and Prevention found that “older adults are more likely to have safer driving behaviors than other age groups.”

At 74, I likely pay more for car insurance than my adult children and they pay more for car insurance because they have young drivers in their household.

In 2019, Chicago Sun-Times reporter Stephanie Zimmermann found “renting rather than owning a home or working in an unskilled job could mean paying an extra $117 to $175 a year, for car insurance. Living in the ‘wrong’ ZIP code could mean an added $175.”

It always struck me as unfair that insurance companies could consider factors other than my driving record when charging me for something I legally have to purchase. I wondered how insurance companies got away with what appears to be sanctioned discrimination.

“It is perpetuating inequities based on race and income that were formed by inequitable decisions decades ago,” Brent Adams, senior vice president of policy and communication at the Woodstock Institute, told the Sun-Times. “It is kicking people while they’re down in a whole host of ways.”

Advertisement

The discriminatory practice of charging more for car insurance based on socioeconomic factors also could explain why some people drive without car insurance.

As it is, “U.S. drivers are paying an average of $2,543 annually or $212 per month for car insurance, an increase of 26% from last year,” according to a report from Bankrate, a personal financial management company.

Giannoulias’ legislation is aimed at preventing insurance companies from using consumer information such as credit score, zip code, home ownership status, purchasing habits and level of education to unfairly determine rates.

“The purpose of auto insurance is to protect motorists while they drive; therefore, an individual’s driving record should serve as the primary factor analyzed when setting rates,” Giannoulias said in a news release.

“This emphasis on socioeconomic factors is transparently unfair and discriminatory, leading to less availability and less attainability, especially those from disadvantaged neighborhoods and communities of color,” he said.

Advertisement

The proposed legislation is sponsored by state Rep. Thaddeus Jones, D-Calumet City, and state Rep. Napoleon Harris III, D-Harvey.

“All motorists should have the opportunity to attain affordable insurance,” Harris said. “There’s no place for discrimination in our state or in our country, particularly in the insurance industry.”

“Completely irrelevant factors like whether you own a home or where that home is located should never be a barrier to your ability to secure insurance and to drive,” Jones said, saying the proposal would provide “an opportunity to make Illinois roads more equitable while keeping them safe.”

We can hope that this kind of discrimination will soon become a thing of the past. But that can’t happen without you.

I’ve received numerous complaints from readers about this very topic, especially as it pertains to age. If you support the plan, let your representative know.

Advertisement

It’s never too late for change.

READ MORE





Source link

Illinois

Illinois is newest state to allow medical assistance in dying after Pritzker signs bill

Published

on

Illinois is newest state to allow medical assistance in dying after Pritzker signs bill



Gov. JB Pritzker signed a new law Friday making Illinois the newest state allowing medically assisted dying in terminally ill residents.

Known as “Deb’s Law,” it allows eligible terminally ill adults with a prognosis to live six months or less to request a prescription from their doctor that would allow them to die on their own terms.

The legislation was narrowly approved by the Illinois Senate in October after the Illinois House passed it in May.

Advertisement

People on both sides of the debate over the controversial legislation lobbied the governor up until the last minute. Medical aid in dying, also called assisted suicide or dying with dignity, is already legal in 12 states. Eight more are considering similar legislation.

“I have been deeply impacted by the stories of Illinoisans or their loved ones that have suffered from a devastating terminal illness, and I have been moved by their dedication to standing up for freedom and choice at the end of life in the midst of personal heartbreak,” Pritzker said in a news release after signing the bill.  

Pritzker’s signature makes Illinois the first state in the Midwest to allow medically assisted death.

Advocates for the law say it allows adults to die on their own terms when survival is already not an option. Opponents say the bill legalizes “state-sanctioned suicide.”

The law requires two doctors to determine a patient has a terminal disease and will die within six months. The medication provided would need to be requested both orally and in written documentation, and will have to be self-administered. The law also requires all patients opting into medical assistance in dying to have been full informed about all end-of-life care options, including comfort care, hospice, palliative care and pain control.

Advertisement

The law is named for Deb Robertson, a former social worker from Lombard who had an aggressive case of neuroendocrine carcinoma. She began advocating for medical aid in dying in 2022 and has been a central figure in the movement. 

Please note: The above video is from a previous report



Source link

Continue Reading

Illinois

Advocates, opponents seek to sway Gov. JB Pritzker on medical aid in dying legislation passed by Illinois General Assembly

Published

on

Advocates, opponents seek to sway Gov. JB Pritzker on medical aid in dying legislation passed by Illinois General Assembly


Illinois could soon join a growing list of states where terminally ill patients would be allowed to take life-ending medication prescribed by a doctor.

The Illinois Senate narrowly approved the “medical aid in dying” legislation in October, after the Illinois House passed it in May, and the legislation is now sitting on Gov. JB Pritzker’s desk.

Pritzker has not said if he’ll sign it, and the controversial legislation has people on both sides trying to bend the governor’s ear.

Medical aid in dying, also called assisted suicide or dying with dignity, is legal in 12 states, with eight others considering similar legislation.

Advertisement

If Pritzker allows the “End-of-Life Options for Terminally Ill Patients Act” passed by the Illinois General Assembly to become law, Illinois could be the first state in the Midwest to allow medical aid in dying.

Suzy Flack, whose son Andrew died of cancer, is among the advocates urging the governor to sign the bill.

Diagnosed with terminal cancer in 2017 in his home state of Illinois, three years later Andrew moved to California, where medical aid in dying is legal, and chose to end his life in 2022.

“He died on his own terms, peacefully. We were all there to see it and embrace him at that moment, and it was really a beautiful thing,” Suzy said. “His last words were, ‘I’m happy. Please sign this. Allow people in Illinois this option.’”

Illinois is on the brink of joining a growing number of states that allow doctors to prescribe a mixture of lethal medication for terminally ill patients.

Advertisement

Outside the governor’s Chicago office on Thursday, many disability advocates, religious leaders, lawmakers, and doctors have called on Pritzker to veto the bill that would legalize what they call state-sanctioned suicide

“The question becomes where do you draw the line in the medical ethics dilemmas?” one physician who identified himself as Dr. Pete said. “We don’t need to go to this crossing of a red line of actually providing a means to directly end life.”

Republican Illinois state Sen. Chris Balkema said he “would really appreciate it if the governor would veto this bill.”

“My plea is that we veto this; come back with language that is constructive on both sides,” he said.

Pritzker has he is reviewing the legislation and is listening to advocates on both sides before deciding whether to sign it.

Advertisement

“It’s a hard issue, and I don’t want anybody to think making up your mind about this is very easy. It’s not. There’s a lot to consider, but most of all it’s about compassion,” he said. “There’s evidence and information on both sides that leads me to think seriously about what direction to go.”

The Illinois legislation would require two doctors to determine that a patient has a terminal disease and will die within six months. The medication provided to terminally ill patients would need to be requested both orally and in written form, and would have to be self-administered. 

The bill was sent to Pritzker on Nov. 25, and he has 60 days from then to either sign it, amend it and send it back to lawmakers, veto it, or allow it to become law without his signature.



Source link

Continue Reading

Illinois

Two rounds of snow on the way to central Illinois – IPM Newsroom

Published

on

Two rounds of snow on the way to central Illinois – IPM Newsroom



Snow is making a comeback in Central Illinois.

IPM meteorologist Andrew Pritchard said A Winter Weather Advisory is in effect for Champaign County and surrounding portions of east-central Illinois beginning Thursday at 3:00 p.m. to Friday at 6:00 a.m.

Snow will spread into Champaign-Urbana between 3-6 PM late this afternoon into the evening with periods of moderate to heavy snowfall continuing overnight. Snow should taper off around sunrise on Friday morning, with around 2-4″ of new snow accumulation expected across Champaign County.

Advertisement

Winds will blow out of the east around 5-10 mph, with minimal impacts from blowing & drifting snow. Still, snow accumulation on roadways could lead to hazardous travel conditions overnight into the Friday morning commute.

On Saturday, the National Weather Service in Central Illinois forecasted for snow to return on Saturday afternoon. The chance of precipitation is 80%. New snow accumulation of 2 to 4 inches possible. Temperatures will drop below zero across much of central Illinois both Saturday night and Sunday night with resulting wind chill values as cold as 15 to 30 below zero.

Advertisement



Source link

Advertisement
Continue Reading
Advertisement

Trending