Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Sep 15, 2020

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Make sure the new policy is better. This may be most evident by a reduction in the conditions that must to be met before benefits are paid. For example, you may want to switch from a policy that requires a prior hospital stay or other prior levels of care to one that has no such requirements. The possible disadvantages include new pre-existing condition restrictions, new exposure to cancellation for misstatements in the application, and increased premiums base on your current age.