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Re: Intellectual Property - unique insurance concept - LTC


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Posted by M. Arthur Auslander on June 12, 1999 at 04:11:10:

In Reply to: Intellectual Property - unique insurance concept - LTC posted by Skip Gribbin on June 11, 1999 at 22:22:21:

: I developed a totally unique approach to a specific type of insurance policy. It consists of a two-policy approach to cooperate with a specific Federal law while it provides much more flexibility in benefits for the policyholder than the Federal -type policy would allow. It has been approved as filed in several states and is being leagally sold now under the auspices of several states. This approach is recognized as unique by those in the insurance industry who are aware of it. Certain recent developments and apparent future laws may make it even more important to copy. How can I protect this policy/approach from being copied by another company? Can this be somehow structured into intellectual property which can be patented or copywritten?
Once the cat is out of the bag, much is lost. If there is protection, valid foreign rights in patents are gone in most countries. Trademarks can be used effectively to protect the goodwill of services or products in the public domain. Coca Cola could not stop Pepsi Cola but the name has valuable goodwill.
Copyright does not protect an idea, only its mode of expression. There is case new law which I have not fully studied allowing patents of novel business systems. I'm not sure if the new case law will protect you. No valid U.S. patent can be obtained if applied for more than one year after public use in the U.S. or one year after disclosure in a printed publication any where in the world more than one year before the patent application. After the fact the advantage of often hard to retreive or is just lost. Early knowledge helps save big problems down the line.
M. Arthur Auslander
ELAINE's Workshop: Early Legal Advice Is Not Expensive (sm)
Auslander & Thomas-Intellectual Property Law Since 1909
505 Eighth Avenue, New York, NY 10018
212-594-6900, fax 212-244-0028, aus@auslander.com



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