LymeNet Flash: Life insurance

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»	LymeNet Flash » Questions and Discussion » Medical Questions » Life insurance

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Author

Topic: Life insurance

davidx
LymeNet Contributor
Member # 8326

posted

Hi everyone-

I posted this is general support but thought i might get more responses here.

I recently was turned down for term life insurance due to "lymes diseases" (yes, the letter says "lymes" lol).

Anyway, I was wondering if anyone has any advice on this subject and if you might have a recommendation for insurance companies that issue policies to lyme patients.

I know that there are no medical exam required policies I can get but these seem to be for much smaller amounts and much higher premiums (although I will go this route if there is no alternative).

Thanks so much for any help.

-David

--------------------
Same nightmare, different day!

Posts: 401 | From East Coast | Registered: Nov 2005 | IP: Logged |

smiles132002
LymeNet Contributor
Member # 7949

posted

You should see a non LLMD. Tell them you had lyme and you'd like a letter stating that the infection is gone based on the 14 days of doxy treatment.

According to 95% of the doctors if you're on doxy for 14 days you're CURED! That would be the way around it.

If they still won't cover you, sue them or have your insurnace company send you a letter stating that your in "good" medical standing or something.

These people are a$$holes.

Posts: 484 | From Burlingame, Ca | Registered: Sep 2005 | IP: Logged |

bettyg
Unregistered

posted

i was turned down also.

most will turn you down; saw your other post and someone stated THEY HAD GOTTEN; who knows!? [Mad]

IP: Logged |

hcconn22
LymeNet Contributor
Member # 5263

posted

I was denied reinstatement of policy due to LYME, also cant give blood but again this is hard to get and easy to treat- Right?

--------------------
Positive 10 bands WB IGG & IGM
+ Babesia + Bartonolla and NOW RMSF 3/5/09 all at Quest

And still positive ELISA and WB two years after IV treatment
http://www.lymefriends.org/profile/blake

Posts: 607 | From Tick Town, Connecticut | Registered: Feb 2004 | IP: Logged |

randibear
Honored Contributor (10K+ posts)
Member # 11290

posted

this one doctor i was seeing at the time, told my insurance company i was "suicidal"...

viola, they cancelled my life insurance....

nothing i could do about it....

it was lyme, i'm sure...

--------------------
do not look back when the only course is forward

Posts: 12262 | From texas | Registered: Mar 2007 | IP: Logged |

tdtid
Frequent Contributor (1K+ posts)
Member # 10276

posted

What is wrong with this picture?

Life insurance won't take us because we have Lyme, but yet Health Insurance won't cover it becuase it doesn't exist?

Sounds like yet another one of the issues that should be looked at legally.

Which side is it, insurance companies?

Cathy

--------------------
"To Dream The Impossible Dream" Man of La Mancha

Posts: 2638 | From New Hampshire | Registered: Oct 2006 | IP: Logged |

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