posted
My life insurance policy wants to charge twice as much for half the coverage my husband gets because of my Lyme disease.
Thought it was kinda ironic.
Well, at least they believe Lyme disease is real!
Posts: 636 | From Saratoga County, NY | Registered: Apr 2008
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Geneal
Frequent Contributor (5K+ posts)
Member # 10375
posted
Hey, that's not so bad.
They won't give life insurance to many people with Lyme disease.
They know it's real.
They just don't want us to know it.
Hugs,
Geneal
Posts: 6250 | From Louisiana | Registered: Oct 2006
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tdtid
Frequent Contributor (1K+ posts)
Member # 10276
posted
Yes, the insanity of this is that it isn't real when they are discussing health insurance, but it is very real when it's life insurance.
When will they figure out they can't have it both ways?
Cathy
-------------------- "To Dream The Impossible Dream" Man of La Mancha Posts: 2638 | From New Hampshire | Registered: Oct 2006
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seekhelp
Frequent Contributor (5K+ posts)
Member # 15067
posted
They're looking at it that way because the life insurance company most likely views it as pyschiatric, not an organic illness. Nevertheless, psychiatric individuals scare them, especially depending on their exclusion clauses (suicide, self-harm, etc.). Just because they insure you and bump premiums up, don't think they're acknowledting real Lyme.
Posts: 7545 | From The 5th Dimension - The Twilight Zone | Registered: Mar 2008
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posted
hhhmmm...what would any of our regualr doc think
about seeing that in balck and white?? my neuro.
would freak out mad!! he already gets all worked
up when i tell him how expensive everything
has been for us with "good" ins. that we pay
for privetly, out of our chekcbook every month
because we are that group of hard workin folks
who dont lie on taxes and fall under self employed which means no co. policy..ok off my soap box now, ill step down
-------------------- i am not a Dr. any info is only for education, suggestion or to think/research. please do not mis-intuprest as diagnostic or prescriptive, only trying to help. **
dx in 08:lyme, rmsf, bart, babs, and m.pneumonia. Posts: 422 | From TX | Registered: Oct 2008
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posted
Ok, Am I reading right? If my wb is postive my life insurance may be boosted up?
How do they find out? Do they receive a letter saying, "congratulations, your client has lyme diease so feel free to up the premieum as high as you want?"
Blah blah!!!
Posts: 171 | From the land of oz | Registered: Feb 2009
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They found out because they ask about what medications I was on on, since they show up on the blood work.
Posts: 636 | From Saratoga County, NY | Registered: Apr 2008
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aklnwlf
Frequent Contributor (5K+ posts)
Member # 5960
posted
I've got 2 life insurance policies. One I was given a higher rate-$25,000 whole life and a $50,000 5 year term for a regular rate.
The whole life (rated) policy is with Alfa and the 5 year term is with State Farm.
Both know that I was treated for Lyme. Since I no longer am on any meds I don't understand why the rating is different.
Being in the insurance field myself, I think it's due to company policy.
So it might be wise to shop around for your life insurance with another company.
-------------------- Do not take this as medical advice. This comment is based on opinion and personal experience only.
Alaska Lone Wolf Posts: 6138 | From Columbus, GA | Registered: Jul 2004
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posted
Thanks, that helps. I am also going to wait until I am off antibiotics before I retest.
Posts: 636 | From Saratoga County, NY | Registered: Apr 2008
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