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

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Veteran Member

Date Joined May 2007
Total Posts : 1088
   Posted 12/27/2008 1:58 PM (GMT -6)   

Veteran Member

Date Joined Sep 2008
Total Posts : 1120
   Posted 12/27/2008 5:49 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

Veteran Member

Date Joined Jan 2007
Total Posts : 1254
   Posted 12/27/2008 7:28 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.

Veteran Member

Date Joined Sep 2007
Total Posts : 2017
   Posted 12/27/2008 7:29 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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Veteran Member

Date Joined May 2007
Total Posts : 1088
   Posted 12/27/2008 11:58 PM (GMT -6)   

Regular Member

Date Joined Dec 2007
Total Posts : 62
   Posted 12/29/2008 3:11 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?


Regular Member

Date Joined Oct 2007
Total Posts : 259
   Posted 12/29/2008 12:38 PM (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...

Veteran Member

Date Joined Aug 2006
Total Posts : 1161
   Posted 12/29/2008 12:50 PM (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.

Veteran Member

Date Joined Dec 2005
Total Posts : 1336
   Posted 12/29/2008 3:47 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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