Life Insurance

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paintedsongs
Regular Member


Date Joined Jul 2005
Total Posts : 207
   Posted 3/31/2009 5:41 PM (GMT -7)   
ha! One more thing I did not expect with this disease. Last yr when my PG was active I was denied life insurance. Now they tell me the premium will be 200-250% higher b/c of the Crohns. Ha! what a depressing joke. Anyone have similar experience?
29 Year old Female. Dx with Crohns 2005. Currently take Imuran 50 mg. Had 3 remicade infusions which put me in remission.
Dx with Pyoderma Gangrenosum Nov '07. Used Prednisone and 3 more infusions to close up the PG.
I do believe everything happens for a reason, but I still am waiting to figure this one out :)


mtgman
Veteran Member


Date Joined Mar 2005
Total Posts : 1289
   Posted 3/31/2009 7:20 PM (GMT -7)   
yup...good luck to all of us! the certainly don't like crohns!!!
the only way to get decently priced life insurance is through your work if it's offered.
35 year old male living in AZ.  Diagnosed with Crohns at age of 15.
Currently tapering prednisone (15 mgs) and I've been on 6_MP for 2 months.
In the middle of a bad flare now for 6 months...lost almost 30 lbs.


FitzyK23
Veteran Member


Date Joined May 2005
Total Posts : 4219
   Posted 3/31/2009 7:24 PM (GMT -7)   
Or through your spouse's work!
27 Year old married female law student (last year!!). Diagnosed w/ CD 4 years ago, IBS for over 10 years before that, which was probably the CD. I am sort of lactose intollerant too but can handle anything cultured and do well w/ lactose pills and lactaid. For crohns I am currently on Pentasa 4 pills/4x day and hysociamine prn. I also have bad acid reflux and have been on PPI's since age 13. I have been through prilosec, prevacid, and nexium. Currently I am on Protonix in the morning and Zantac at night.  I take xanax prn for situational anxiety (aka no easy bathroom access). 


paintedsongs
Regular Member


Date Joined Jul 2005
Total Posts : 207
   Posted 4/1/2009 6:29 PM (GMT -7)   
Well its just ridiculous! I have a bit through my work but not as much as I would like! After 3 yrs at work I will get more.. so I guess we wait it out..

30 Year old Female. Dx with Crohns 2005. Currently take Imuran 50 mg. Had 3 remicade infusions which put me in remission.

Dx with Pyoderma Gangrenosum Nov '07. Used Prednisone and 3 more infusions to close up the PG.
I do believe everything happens for a reason, but I still am waiting to figure this one out :)


Bible
Regular Member


Date Joined Jul 2007
Total Posts : 188
   Posted 4/2/2009 6:39 AM (GMT -7)   
Oh yes- I went to work as a teacher for the state and was denied life insurance period b/c it had been less than a year that I had been hospitalized for Crohns. I resigned after that year of teaching and waited three years and the policies had changed and as a new hire that second time around- as long as I applied for all benefits classified as a New Hire- I was allowed and approved for every benefit offered; However, if I had waited on open Enrollment I would have been required to answer medical questions. So- from my experience, try to get every benefit offered- when you are first hired

Maranza
New Member


Date Joined Jan 2009
Total Posts : 8
   Posted 4/5/2009 6:22 PM (GMT -7)   
My husband has Crohns and I tried to add some life insurance (an amount in addition to what is normally provided by my job) and he was denied.  I tried to appeal - even had my attorney draw up a letter for me as well as a letter from his gastro guy and they wouldn't budge.  When I asked them if they were telling me that Crohns was a life threatening disease - they got all weird and said that it was possible that he would have a higher chance of developing colon cancer.  I told them actually he was better off than the rest of us because he gets scoped at least once a year and sometimes twice a year so he would discover his colon  (rectal - etc) cancer quicker than the general population - you know the old spiel about early detection...I might as well have been talking to the wall.  So, we now buy lots of accidental insurance.  
My husband has Crohns and I am always looking for things to help him and make his life easier.  He is also the proud owner of osteporosis and diverticulitis.
 
He takes Entocort, Probiotics, vitamins (multivitamin, B complex, Omega 3, Calcium, Co-Q 10, Greens Multiplex).
 
First round of Remacaid helped him greatly.  Second round put him in the hospital - severe allergic reaction.  Doctor told him no more Remacaid.  Has been doing well on the Entocort but is very expensive.

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