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Nana Monster
Veteran Member


Date Joined Jul 2009
Total Posts : 966
   Posted 11/30/2012 5:24 PM (GMT -6)   
My main question comes from the fact I was turned down life insurance today because I have lupus
and do NOT take any drugs for it. They said I refused to take meds. Well, personally, I don't understand
what drugs have on the fact I have the ailment. I can't take many of them as I am very sensitive to
synthetic stuff and have to take plant base meds. i have arthritis, fibro, lupus, sciatica, spinal stenosis,
degenerative disc and bone spurs on spine along with 2 blown discs, an upside down heart, more lipomas
than you can count, bone spurs on hands, eyesight going, hearing gone, and most female surgeries
(you won't imagine where your parts can end up!!)
Anyways, what meds do you guys take?? I only use hydrocodone, skelaxin and once in a while a
sleeping pill. The pain gets unbearable at times and that's when I go get a depro medrol shot from the
drs. I use amino acids and vitamin therapy along with my sauna. Any ideas??

couchtater
Elite Member


Date Joined Jul 2009
Total Posts : 14475
   Posted 11/30/2012 6:35 PM (GMT -6)   
I take plaquenil, tramadol, and tylenol. I use heating pads, muscle rubs, and hot showers. I also do fish oil and cranberry fruit pills.

There is insurance available for pre-existing conditions. It's called PICP. It's goverment sponsored for high risk people who don't qualify for medicare or medicaid yet. Just google PICP and it will pull up right away. It says you have to be without insurance for 6 months or turned down by another insurance company. You can apply online and then send in the letter of refusal when the company who denied you sends it to you.
I just applied and my coverage starts on January 1st. The cost is very reasonable.
Joy
Lupus, Fibromyalgia, Glaucoma, Asthma, Hypothyriodism, Sleep Apnea, Degenerative Disk and Facet Disease, and Allergies

When life throws you lemons....
Pick them up and throw them right back at them! :))

Barbara Lee
Veteran Member


Date Joined Sep 2003
Total Posts : 2889
   Posted 11/30/2012 7:12 PM (GMT -6)   
I believe you said you were denied LIFE insurance, correct? I have had lupus for 25 years now. I have severe lupus, and several others serious health issues, I am fortunate that I have Medicare and Tricare for Life, through my hubby's military retirement.

My Mother purchased a life insurance policy for me when I was 17. As we didn't have a lot of money it was only for $18,000.00. I recently tried to increase my life insurance by another $25,000.00 dollars with the same company and was denied.

I do take the medications that are used to treat lupus. I am on prednisone, plaquenil, Benylsta, injectable methotrexate, and heavy duty narcotics, and a slew of other drugs to either treat different conditions OR to help with the side effects from my lupus medications.

As Joy mentioned, with the changes with Obama care, there is insurance now offered to patients with pre-existing conditions. HOWEVER, that is MEDICAL COVERAGE IT ISN'T FOR LIFE INSURANCE.

Most LIFE Insurance companies WILL NOT cover a person with serious chronic health issues. They factor several things when giving quotes on LIFE Insurance. I haven't heard of ANY law that makes an Insurance company accept people with certain chronic health conditions.

I know from personal experiences when my Father tried to get LIFE Insurance, even though he had high blood pressure, they were willing to give him a policy but when they found that he was overweight by a lot he was denied. He passed away just over a year ago and WE, had to pay for the funeral out of pocket.

Some health issues are accepted, but they can be VERY costly. I would talk with your Dr and see if he/she recommends steroids, or an immunosuppressant. Once you get his/her recommendation you could try to reapply. I hope you can get approved for some LIFE Insurance. Wishing you the best, keep us posted

couchtater
Elite Member


Date Joined Jul 2009
Total Posts : 14475
   Posted 11/30/2012 8:18 PM (GMT -6)   
Sorry I missed the life insurance part in reading. You can set up a funeral expense account with a funeral home so everything or most of the cost is covered.
A friend of mine works in a funeral home and he said the cheapest funeral is $800. That is cremation, no viewing, no grave, and no service by them.
Joy
Lupus, Fibromyalgia, Glaucoma, Asthma, Hypothyriodism, Sleep Apnea, Degenerative Disk and Facet Disease, and Allergies

When life throws you lemons....
Pick them up and throw them right back at them! :))

Lynnwood
Forum Moderator


Date Joined May 2005
Total Posts : 7720
   Posted 11/30/2012 9:17 PM (GMT -6)   
I never even thought about difficulty with Life Insurance - mine wouldn't be to cover a funeral since I plan to be totally donated, but its good to know there might be a difficulty with it.

I wonder if that offered thru AARP would be more permissive? I thought some of those policies were big on "no medical exams needed".

It's always the fine print, isn't it?
Lynnwood, Lupus & Sjogren's Moderator
DIAGNOSING-LUPUS & LUPUS-RESOURCES
"Life is far too important to be taken seriously" - Oscar Wilde

Barbara Lee
Veteran Member


Date Joined Sep 2003
Total Posts : 2889
   Posted 11/30/2012 11:41 PM (GMT -6)   
I'm sure each companyis different, but I know about six months ago I tried to increase my policy. It said no physical exam required, but I had to answer questions regarding my health issues.

I answered what was requested and mailed the application with a check with the first months bill. about four weeks later I received a phone call from the company, and they asked several questions.

After answering the questions, the representative informed me that I couldn't get the extra insurance. I was informed that reason was because my lupus, RA, and MDS, I was denied because of my multiple conditions. They returned my payment and I have accepted ANY accidental death policies that my credit unions offer. These are usually small insurance if I were to die in an accident. If I die of natural causes they won't pay out anything.

Like I said I'm lucky, because of the policy my Mom purchased for me, she did me a HUGE favor. At least I know my hubby, and most importantly my daughter will have something, if her Dad is already gone. I have to say I was disappointed, that I couldn't increase the policy.

Wishing you the best on trying to get a policy. Please keep us posted, as I'll be curious who is providing insurance at affordable rates and will accept disabled clients.

Hugs,
Barbara

Lynnwood
Forum Moderator


Date Joined May 2005
Total Posts : 7720
   Posted 12/1/2012 1:41 PM (GMT -6)   
If all else fails, put the cost of the insurance into an IRA invested in a growth stock. That's really all an insurance company would do anyway.
Lynnwood, Lupus & Sjogren's Moderator
DIAGNOSING-LUPUS & LUPUS-RESOURCES
"Life is far too important to be taken seriously" - Oscar Wilde

Nana Monster
Veteran Member


Date Joined Jul 2009
Total Posts : 966
   Posted 12/4/2012 7:43 PM (GMT -6)   
Thanks for the info. I didn't think SLE was that serious but I guess it is. I have lived with pain since I
came down with JRA at 7 but some days this gets pretty unbearable. My boss thinks it's great and has
put me on full time dishes..now I come home and can't function. I went to see about disability as it's real
bad but they said I make too much money...even though most of the stuff I have can either cripple or kill
me. One of my co-worker's boyfriend is about 30 and has a pain in his neck and he gets it. Go figure??
I can't take most of the meds you guys do as I'm allergic to most synthetic drugs. I have a seriously
bad reactions. I took one niasprin pill and I was beet red and hotter than heck. My heart was thumping
real bad and my blood pressure was OK so they sent me home that day.
I go to the Spine specialist tomorrow and will let you know what they say. Thanks again

couchtater
Elite Member


Date Joined Jul 2009
Total Posts : 14475
   Posted 12/4/2012 8:41 PM (GMT -6)   
Nana, Are you in the USA?
In order to get disability you need a doctor to stand behind you on being disabled. The go on Short term disability or Long term diability with your job. While on this file with SSD. They only say no if you're working or have any income. They have to see if you're really disable.
Joy
Lupus, Fibromyalgia, Glaucoma, Asthma, Hypothyriodism, Sleep Apnea, Degenerative Disk and Facet Disease, and Allergies

When life throws you lemons....
Pick them up and throw them right back at them! :))

Bsime
Veteran Member


Date Joined Apr 2006
Total Posts : 1342
   Posted 12/6/2012 10:24 PM (GMT -6)   
Life insurance companies don't generally sell policies to people with serious, chronic diseases. High risk. Same for health insurance.

You mention lots of pain but you are not taking any suppression meds. Have you tried any? Suppression meds can control your autoimmune response and even put the disease in remission which can greatly diminish your symptoms and extend your life expectancy. Most lupus patients take some type of suppression medication and might take pain meds but those only treat symptoms, not the cause of them.

Bill
MCTD (SLE Lupus, polymyositis, scleroderma). Diagnosed 2005. Kidney, liver, GI tract, dysphagia, raynauds, barretts esophagus, quadriplegic in 2005. Recovered and now active in downhill skiing, golf, hiking. Meds: amlodipine, benezapril, omeprazole, potassium, folic acid, vitamins, maxide.

Remain Optimistic and you can overcome.
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