<unk>  or functional<unk> nial is a situation that can occur in health insurance and workers' compensation insurance when a claim is not<unk> nied outright, but in practical terms it is not covered. If cost reduction by an insurer is the reason for<unk> s as part of utilization management, it can lead to healthcare rationing through<unk> nials of care or coverage,<unk> lays in care, and unexpected financial risks to patients.
De facto denial
Informal coercion
Avolition
Capital punishment
Casualty 
Co-option 
Foreclosure 
Right-to-try law