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If it is a promissory note, compute the accrued interest prior to signing the note and include it in the principal amount of the note.

If it is a non-disclosure agreement, specifically state that all information disclosed Roger Glovsky is a business lawyer who believes legal documents should be accessible, affordable and comprehensible.

You’ll have to do the math to see if the overall savings realized for backdating your age are greater than the cost of the additional monthly premiums.

Of course, any attempt to purchase a backdated life insurance policy on your Aunt Minnie who has alreay passed on is out and out fraud. Backdating Health Insurance Policies In regards to health insurance, backdating the effective date of a policy can be used to make your age at issue qualify for a lower premium. State laws differ in their policies aboutbackdating health insurance policies, so you’ll have to check with your state insurance commissioner.

If you could do this, nobody would ever buy car insurance until after an accident happened.

That would have the effect of turning the car insurance industry’s risk-assessment-based business model on its head.

1) If you divorce and don’t tell the insurance company so that your ex can remain covered under your policy, your ex could end up beingcharged for any medical claims paid by the insurer all the way back to the date of the divorce.

2) If you are laid off or terminated, it is against the law for your former employer to backdate your termination of health care insurance.

Now, two months later you prepared a contract that is ready to be signed if you can just figure out the right date. It’s harder than you think to put in a prior date and have it look authentic.

In general, “backdating” should be avoided, whether we are talking contracts or old flames. Yes, I know businesses do it all the time but that doesn’t mean it is good business practice; and in many cases it may be considered fraud or misrepresentation. For example, the first payment is due upon signing two months ago…except the check was never written or deposited in a bank. So, there is no intent to defraud or mislead or misrepresent the true nature of the agreement.

There are some exceptions to the former; none (based on my experience) to the latter. All you have to do is write in a prior date and sign it. In most agreements, using a prior date to make it look like it was signed earlier is the wrong way to go. The problem is that it may not work in every situation.

Some states will the amount of backdate to six months.

A couple other important points about backdating and health insurance.

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