Hepatitis C Community
Insurance
About This Community:

This forum is for questions about medical issues and research aspects of Hepatitis C such as, questions about being newly diagnosed, questions about current treatments, information and participation in discussions about research studies and clinical trials related to Hepatitis. If you would like to communicate with other people who have been touched by Hepatitis, please visit our new Hepatitis Social/Living with Hepatitis forum

Font Size:
A
A
A
Background:
Blank
Blank
Blank
Blank Blank

Insurance

Before I even try to apply for life insurance I would like to know from any of you if there will be any difficulties getting any with having HepC? My primary insurance rejected me the first time because my liver enzymes were high...that is how I found out that I had this virus. If anyone has insurance or knows of a great company to get it please let me know. Thanks.
Related Discussions
10 Comments Post a Comment
Blank
179856 tn?1333550962
You won't be able to get life insurance unfortunately.  It's not right but it's the way it is.  I guess they consider it a life treatening disease (which it is) so.....they won't touch any of us.  Not even with new SVR or anything.
Blank
302287 tn?1201299268
You have got to be kidding me.... even if we have to pay more than healthy people? I have 2 kids and a husband to think about. That makes me so mad...
Blank
276730 tn?1327966546
I knew we couldn tobtain life insurance. However I didnt know if we became SVR we still couldnt.
Your right! another situation that doesnt jive.

Im sorry...hopefully in time this will somehow be resolved as well.
Horrible.
Blank
Avatar f tn
..sadly, I know the only life insurance we can get on my hubby is the one he already has had with his company that will cease when he retires. You want to hear the "sounds of silence?" Have somebody telemarket you for life insurance..then when you mention your spouse has HEpC and they can't get off the phone fast enough. Personally, we're just saving and investing and not expecting a dime from any kind of  insurance. We didn't even think that Social Security would be around when we got to retirement age....so we created our own. Hubby will "retire" but he will never stop working.
Blank
179856 tn?1333550962
Yup I have two kids and nobody else to depend on aside from me and I don't even own a house or anything to leave behind yet.  It STINKS and yeah I'm SVR too - (yay!) I wonder how many years it would have to be or if just having the antibodies wipes you out?  Well...right now I know there is nothing for me except if I die while I'm working here and God forgive me I want to live a LOT longer than I want to be at this company!

I'm sorry Peridot it pisses me off so much too.  Look at some behavior of other people and then wonder why someone SVR can't have a break fora  change!!!!!!!!!   :(
Blank
Avatar f tn
I was able to get life insurance through my job. All employees are automatically eligible.
Blank
301044 tn?1206814691
I just posted a similar comment under another post. If one can live 20 to 30 years with no side effects of Hep C or even better, out live the disease, why can't someone with it get life insurance? My husband was diagnosed 10 years ago while applying for life insurance. He was of course denied, and has been for every policy outside of an employment benefit ever since. Very frustrating.  
Blank
301044 tn?1206814691
I just posted a similar comment under another post. If one can live 20 to 30 years with no side effects of Hep C or even better, out live the disease, why can't someone with it get life insurance? My husband was diagnosed 10 years ago while applying for life insurance. He was of course denied, and has been for every policy outside of an employment benefit ever since. Very frustrating.  
Blank
Avatar n tn
Hello, I am in the employee benefit business and can tell you other than group term life thru an employer no insurance company will touch anyone with hep c.  I am in the same boat pretty much.  fortunately, i do have a very small whole life policy i took out 30 years ago.  the only thing you could do is thru your employer, if they offer additional voluntary with guaranteed issue; i.e. maybe $50,000 at least that is something.

Also, colonial penn may have something the is very small underwriting wise.  there is a 2 year waiting period, but it is pretty costly.

Blank
Avatar n tn
If you go to thebody.com website and to the insurance forum there is information about life insurance policies that HIV+ patients can get. This is minimal insurance (I believe up to $20,000) with no medical questions but it is something. I think it's thru mutual of omaha.
Blank
Post a Comment
To
Recent Activity
406584 tn?1399591666
Blank
10356 commented on VICourageous's status
12 hrs ago
406584 tn?1399591666
Blank
10356, and Dee1956 commented on 10356's status
12 hrs ago
475555 tn?1469307939
Blank
mike716 SVR May, 2015 (Sovaldi+Olys... Comment
Jul 23
Blank
Weight Tracker
Track your weight over time
Start Tracking Now
Top Hepatitis Answerers
317787 tn?1468754865
Blank
DC
163305 tn?1333672171
Blank
Rural Mural, CA
446474 tn?1446351282
Blank
San Francisco, CA
Avatar universal
Blank
1747881 tn?1358189534
Blank
Greeley, CO
2059648 tn?1439770265
Blank
Hepatitis C Community Resources