LymeNet Flash: Lyme and Life Insurance

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»	LymeNet Flash » Questions and Discussion » Medical Questions » Lyme and Life Insurance

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Author

Topic: Lyme and Life Insurance

kelmo
Frequent Contributor (1K+ posts)
Member # 8797

posted

Yesterday, my husband had a medical exam for a life insurance policy.

Lyme Disease was listed as one of the illnesses. He did say yes to Epstein Barre, which we got in 1990 and lasted three years.

But, he was surprised they asked about Lyme.

Posts: 2903 | From AZ | Registered: Feb 2006 | IP: Logged |

Geneal
Frequent Contributor (5K+ posts)
Member # 10375

posted

I've heard that if you have had a Lyme diagnosis,

Even a long time ago,

You can't get life insurance privately.

I am not sure how accurate that info was,

But glad I don't have to find out.

Hugs,

Geneal

Posts: 6250 | From Louisiana | Registered: Oct 2006 | IP: Logged |

seekhelp
Frequent Contributor (5K+ posts)
Member # 15067

posted

Don't have to find out ever? How? [Smile]

Posts: 7545 | From The 5th Dimension - The Twilight Zone | Registered: Mar 2008 | IP: Logged |

Tracy9
Frequent Contributor (1K+ posts)
Member # 7521

posted

I cannot get Life Insurance. They are able to access your pharmacy records and I am denied on that alone.

Prior to that, I was told I needed to show proof I was Lyme Disease free for six months before reapplying.

--------------------
NO PM; CONTACT: [email protected]

13 years Lyme & Co.; Small Fiber Neuropathy; Myasthenia Gravis, Adrenal Insufficiency. On chemo for 2 1/2 years as experimental treatment for MG.

Posts: 4480 | From Northeastern Connecticut | Registered: Jun 2005 | IP: Logged |

seekhelp
Frequent Contributor (5K+ posts)
Member # 15067

posted

Tracy, we all know we're Lyme free 28 days post Abx..with Doxycycline. After that we're just mentally ill with post-lyme syndrome. No problems there.

Posts: 7545 | From The 5th Dimension - The Twilight Zone | Registered: Mar 2008 | IP: Logged |

AnnaL
LymeNet Contributor
Member # 18464

posted

My husband was just denied life insurance coverage. His Lyme is *very* mild (we wouldn't have even thought much was wrong except I'm very sick). He's 31, athletic, non-smoking, low cholesterol, normal BP, etc., and they denied him based on Lyme.

Funny, because our *health* insurance company has some very different thoughts on Lyme... [Mad]

-AnnaL

Posts: 398 | From By the Salish Sea | Registered: Dec 2008 | IP: Logged |

MY3BOYS
LymeNet Contributor
Member # 17830

posted

lower end, non medical policies dont look at medical.

dont try to push the higher amounts. this was adivce of our agent.

we were also advised to get a divorce, for me to get on govt. ins and govt benifets (food stamps, medicaid, etc)

we are strongly against that as a whole, the lyme battle itself is awful when you add divorcing for coverage the morality of marriage iself is cast aside???

not an option for us. eventually the karma has to catch up you would think?? by doing the right (obviously more expensive thing)stuff????

--------------------
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 | IP: Logged |

Keebler
Honored Contributor (25K+ posts)
Member # 12673

posted

-

I was denied life insurance due to lyme.

Funny, though, because here in Oregon, the official word by the medical board is that there is no such thing and (shhh! even if there were) it does not exist in this state.

-

Posts: 48021 | From Tree House | Registered: Jul 2007 | IP: Logged |

jt345
Unregistered

posted

I tried too get life innsurance. No way I had a life threatening illness (lyme).

I was told there was a very slim chance anyone would allow Me too buy a policy,seeing as how I had ,or had had lyme diease.

appleseed

IP: Logged |

bettyg
Unregistered

posted

i got life insurance and updated it in $$ in my earlier years before i knew i have LYME; had it then; just wasn't diagnosed correctly.

i can't get NURSING HOME INSURANCE, etc. due to LYME! existing conditions...

IP: Logged |

billclo
LymeNet Contributor
Member # 12939

posted

I just got a > $250,000k policy from West Coast Life. Maybe it helped that I had the super-preferred rate due to my basically excellent bloodwork-up. [Smile]

Had Lyme for 3 years or so...

They seemed more concerned about my abnormal mole that was removed a few years ago than long-term Lyme.

Posts: 131 | From PA | Registered: Aug 2007 | IP: Logged |

losferwrds
Unregistered

posted

Isn't it funny the double standards, like health insurance will say the the idsa standards are gospel so then can refuse coverage treatment regimens ie IVs, yet life insurance don't use the same argument that is easily curable and hard to get, and do regard it as a chronic condition.

IP: Logged |

jt345
Unregistered

posted

Hi Los

Yes funny and sad that ,insurance companies run everthing.

I guess if You make up the game,You can make up the rules too turn the tide Your way always. It is not right.

I have checked (or better) started to check into science taking My body after I die. My wife is all right with it.And the cost would be much lowwer,and maybe just maybe ,something new could be learned about lyme.

I think My Wife could make it if it wasn't for the beating She'd take tryin too plant me in the ground.
appleseed

IP: Logged |

Tracy9
Frequent Contributor (1K+ posts)
Member # 7521

posted

quote:
Originally posted by seekhelp:
Tracy, we all know we're Lyme free 28 days post Abx..with Doxycycline. After that we're just mentally ill with post-lyme syndrome. No problems there.

LMAO....truth is, I didn't think I'd have any problem at all producing a negative test to show I was Lyme free, it was the pharmacy records that killed my chances!!!

Who knew they could access those??? Kinda scary.

--------------------
NO PM; CONTACT: [email protected]

13 years Lyme & Co.; Small Fiber Neuropathy; Myasthenia Gravis, Adrenal Insufficiency. On chemo for 2 1/2 years as experimental treatment for MG.

Posts: 4480 | From Northeastern Connecticut | Registered: Jun 2005 | IP: Logged |

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