CD & life insurance

New Topic Post Reply Printable Version
[ << Previous Thread | Next Thread >> ]

keepingthefaith
Regular Member


Date Joined Aug 2006
Total Posts : 331
   Posted 9/13/2009 6:24 PM (GMT -7)   
I have been awarded SSDI 2007, dropped from long term disability(LTD) after 2 yrs(2007-2009)am appealing right now, & just been denied life insurance from my husbands employer due to CD.  So SSDI knows I can't work, LTD just messing with me I believe & now the denial of life insurance.  Basically, cd too bad to work from SSDI, LTD not bad enough - can work, now life insurance too sick to be insured.  What the heck?  Does anyone have any suggestions for me regarding life insurance issue? Anyone in the same situation? Thanks for all your replies in advance(I hope someone replies).  Bless you all! 
Dx with CD 1987, 3 colon resections, 3 rectal abscess sx, 2 level anterior cervical neck fusion with plate & screws,6/2008. Major depression/anxiety, kidney stones & sx to remove, now 46 yrs old.  Still trying to figure out this disease & all the extra complications that come with this rollarcoaster of a life with CD. Meds:Humira 40mg every other wk, Imuran .75 daily, welchol 625 x 3 daily, Paxil 20 mg 2xdaily, Wellbutrin xl 300mg 1x daily, folic acid,Vit B12,inject monthly, Oscal w/Vit D, xanex .5 nightly, Gabapentin 600 mg 3x daily, Soma 250 mg nightly & Tramadol/apap 37.5/325 mg prn, vicodin prn. nsaid patches bursitis hips.          
 
 


MoobyDoo
Regular Member


Date Joined Sep 2009
Total Posts : 212
   Posted 9/13/2009 7:06 PM (GMT -7)   
What?! People with Crohn's Disease can't get life insurance?  My daughter's only NINE and she can never have life insurance??? Is this some kind of joke? confused

Post Edited By Moderator (MMMNAVY) : 9/14/2009 6:52:31 AM (GMT-6)


keepingthefaith
Regular Member


Date Joined Aug 2006
Total Posts : 331
   Posted 9/13/2009 7:22 PM (GMT -7)   
Trust me this is no joke!!!  I am so mad about it, talk about confusing, I probably will appeal.  They also stated cuz of my rhuematoid Arthritis NO I don't have it, but they seem to think I do.  I was just wondering if anyone had this experience?  I did have a small life insurance with long term dis, but when they dropped me, that dropped too!  Unbelievable!  Maybe they didn't give it to me cuz I'm the spouse? 

Post Edited By Moderator (Nanners) : 9/14/2009 7:24:32 AM (GMT-6)


chrisnsteph1022
Veteran Member


Date Joined Apr 2003
Total Posts : 973
   Posted 9/14/2009 5:08 AM (GMT -7)   
She should be able to get the standard life insurance offered by her employer, when she starts working. For me, anything over 100k requires a medical history form and I was turned down for additional coverage due to crohn's and melanoma-in-situ. A few years ago, I worked for a tiny company (4 employees) and we had to obtain our own medical insurance. My boss told me to lie on the application so I wouldn't get turned down, but I wasn't too keen on insurance fraud, so I didn't lie. I didn't get insurance. Then I got fired. He was a jerk anyway. But yes, having an incurable life-long disease will make it difficult, if not impossible, to get life insurance independently.
Stephanie, 29, married for 10 wonderful years and mommy to two awesome toddlers
dx with Crohn's 4/2003, in remission since 11/2003...currently suspect the beginning of a flare
dx with bipolar II 8/2009, still trying to figure it out
Omeprazole 40mg, zoloft 100mg


MMMNAVY
Veteran Member


Date Joined Jul 2006
Total Posts : 6927
   Posted 9/14/2009 5:53 AM (GMT -7)   
I pay $350 a month for life insurance
Forum Co-moderator - Crohn's Disease/Thyroid Disorders:_All comments have the caveat contact your local health care provider.

I will find a way or make one. –Phillip Sidney 1554-1586

All that I am and all that I shall ever be, I owe to my Angel Mother.

The Bucket List- Have you found joy in your life?  Has your life brought joy to others?

Make sure your suffering has meaning…


Nanners
Elite Member


Date Joined Apr 2005
Total Posts : 14995
   Posted 9/14/2009 6:26 AM (GMT -7)   
I have life insurance thru my work, but I don't know what will happen when I retire, as that is not one of our retirement benefits. I have tried to apply for other life insurance policies, but was denied because of my Crohns too.
Gail*Nanners* Co-Moderator for Crohns Disease and Anxiety/Panic Forum
Crohn's Disease for over 33 years. Currently on Asacol, Prilosec, Estrace, Prinivil, Diltiazem, Percoset prn for pain, Zofran, Phenergan, Probiotics, Calcium  w/Vit D, and Xanax as needed. Resections in 2002 and 2005. Also diagnosed with Fibromyalgia, Osteoarthritis, and Anxiety. Currently my Crohns is in remission, but my joints are going crazy!
It's scary when you start making the same noises As your coffee maker.
*Every tomorrow has two handles.  We can take hold of it by the handle of anxiety, or by the handle of faith"*

FitzyK23
Veteran Member


Date Joined May 2005
Total Posts : 4219
   Posted 9/14/2009 8:07 PM (GMT -7)   
My husband was able to get me life insurance through his employer and I now have it through mine. But, when I was on his I was limited to a smaller amount due to the crohns. Keeping the Faith - if you have SSDI your long term disability will be off set by those payments. Unfortunatly, you can't double dip. That is why they force you to apply. It is really annoying. So if your LTD was $800/month and your SSDI is $500/month your LT now only has to pay you $300. On top of that, you need to read your policy. Most change after 2 years. Originally they look to see if you could do your current job. After that they look to see if you can do ANY job. The fact that you receive SSDI is just one thing they consider but not the final say. They can still decide that based on their guidelines you could do "some" job.
27 Year old married female.  Graduated law school this year and waiting for results of the bar exam.  Start a new job sometime in September.  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). 


keepingthefaith
Regular Member


Date Joined Aug 2006
Total Posts : 331
   Posted 9/15/2009 9:58 AM (GMT -7)   
Thanks Fitz, I do think I was denied the life insurance cuz of the amount too, I'm going to appeal & request a lower amount, funny though, they have no problem taking the cost out of my husbands check!

Dx with CD 1987, 3 colon resections, 3 rectal abscess sx, 2 level anterior cervical neck fusion with plate & screws,6/2008. Major depression/anxiety, kidney stones & sx to remove, now 46 yrs old.  Still trying to figure out this disease & all the extra complications that come with this rollarcoaster of a life with CD. Meds:Humira 40mg every other wk, Imuran .75 daily, welchol 625 x 3 daily, Paxil 20 mg 2xdaily, Wellbutrin xl 300mg 1x daily, folic acid,Vit B12,inject monthly, Oscal w/Vit D, xanex .5 nightly, Gabapentin 600 mg 3x daily, Soma 250 mg nightly & Tramadol/apap 37.5/325 mg prn, vicodin prn. nsaid patches bursitis hips.          
 
 


Chasity102304
Regular Member


Date Joined Nov 2007
Total Posts : 165
   Posted 9/15/2009 11:02 AM (GMT -7)   
My husband's work does not offer life insurance so we are getting it independently thru State Farm (who also covers our house and cars) and they quoted me at $80-$100/month for a $25,000 policy of term life insurance. We aren't covering me at this time because we can't afford it but it's something we hope to do in the future.

If you are employed and they offer life insurance, I don't believe they can deny you a policy (under a certain amount anyways) because of a pre-exsisting condition. It was explained to me this way anyhow...although I can't say for sure because I'm not employed anymore.

Also if you are a parent (and your child has not been dx'd) you can get a policy that would convert to whole life insurance and IF they were later dx'd it wouldn't factor in and they couldn't be denied coverage... just something extra we learned from our agent since crohn's "seems" to run in families.
Fibromyalgia DX March 2003
Crohn's DX Jan 2006 (Symptoms since 96-Misdiagnosed as "female" problems-Major flare during pregnancy in 05 which lead to DX)
1st resection July 2007
Currently on Remicade/8 weeks


LBJ
Veteran Member


Date Joined May 2005
Total Posts : 511
   Posted 9/15/2009 5:38 PM (GMT -7)   
I have life insurance through my company but when we got my husband's life insurance policy independantly since he can't get it through his company, they denied me because of my crohn's. We were trying to get more on me should something happen to my job, etc.
Living with Crohn's Disease since Jan./2000 but had a few years prior
I'm a true Crohnie with IBS and Arthrities too
 
Meds I have tried:  Too many to list- LOL
Meds currently on:  Tramadol for the pain
                               *Waiting to go on Cimzia                      
No Surgeries
 

New Topic Post Reply Printable Version
Forum Information
Currently it is Sunday, December 11, 2016 7:04 AM (GMT -7)
There are a total of 2,736,310 posts in 301,367 threads.
View Active Threads


Who's Online
This forum has 151462 registered members. Please welcome our newest member, barbarwhit.
240 Guest(s), 4 Registered Member(s) are currently online.  Details
Asha00, mrs. george, reminder, LMusings


Follow HealingWell.com on Facebook  Follow HealingWell.com on Twitter  Follow HealingWell.com on Pinterest
Advertisement
Advertisement

©1996-2016 HealingWell.com LLC  All rights reserved.

Advertise | Privacy Policy & Disclaimer