This is a new one to me. Write a lady on 5/4 for a 6/1 effective date. She trips in her yard 5/8 and needs ankle surgery now. I call carrier. They say they accepted her based on her health on 5/4 when she signed the app and there will be no issues with her coverage with them starting 6/1. Anyone experience anything similar? I am trying to get something in writing from the carrier to CYA....