i was trying to get life insurance and was refused because of lyme...

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kendal122
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Date Joined May 2007
Total Posts : 1088
   Posted 12/27/2008 12:58 PM (GMT -6)   
unreal

Dowa
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Date Joined Sep 2008
Total Posts : 1120
   Posted 12/27/2008 4:49 PM (GMT -6)   
Unreal but not unusual. Its the "norm" for insurance (life or medical) to deny you if you have a "pre-exisitng" condition. Try another company, might make a difference in the way they feel about Lyme Disease.  D

*Bella*
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Date Joined Jan 2007
Total Posts : 1254
   Posted 12/27/2008 6:28 PM (GMT -6)   
Things like this just make me so mad! If Lyme can be "cured" with 3 weeks of Doxy, as the ID's say, then why are people with Lyme getting denied coverage? That just makes no sense to me.

I'm sorry, Kendal. I hope you have better luck with another company.

JELAINEP
Veteran Member


Date Joined Sep 2007
Total Posts : 2017
   Posted 12/27/2008 6:29 PM (GMT -6)   
Yeah - find a company that's bought into the IDSA's position.... then they'll think you'll be cured in 2 weeks with 200mg of doxy a day........... But really, there was a post a while back and alot of people were able to get Life insurance. I would keep looking.

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kendal122
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Date Joined May 2007
Total Posts : 1088
   Posted 12/27/2008 10:58 PM (GMT -6)   
thanks,

studeski
Regular Member


Date Joined Dec 2007
Total Posts : 62
   Posted 12/29/2008 2:11 AM (GMT -6)   
So this means that the insurance company recognizes Lyme as a chronic disease? They must have put that in writing. What did it say?

Claude

rcenters
Regular Member


Date Joined Oct 2007
Total Posts : 259
   Posted 12/29/2008 11:38 AM (GMT -6)   
Ha- insurance companies adhering to a double standard?  Supporting the 3 week treatment protocols from a HEALTH insurance standpoint(ostensibly because they say that's all it takes to cure) yet refusing to offer coverage from a LIFE insurance standpoint?  Nah, that's not paradoxical at all!! End sarcasm mode...

phsinvent
Veteran Member


Date Joined Aug 2006
Total Posts : 1155
   Posted 12/29/2008 11:50 AM (GMT -6)   
Just tell this life insurance company that lyme is hard to get and easy to treat according to the idsa. Tell them you did 21 days of doxycycline and you don't have it anymore.

Jeminij
Veteran Member


Date Joined Dec 2005
Total Posts : 1335
   Posted 12/29/2008 2:47 PM (GMT -6)   
I just got life insurance through SBLI. I have a 10 year history of lyme and had no trouble getting it at all. I do have to pay a higher premium than my fiance does (we both got SBLI), but I still got approved so you can too. They did have to get information from my lyme doctor as well as my ob/gyn (I have a 10 month old) before the approval, but it didn't take long. They are very big company and you can go through them and depending on what you can afford, can surely get coverage.
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