Interests:Working to attain my husand's health back. I'd give up everything I own to get his health back.
Location:Twilight Zone
Posted 10 January 2006 - 03:00 AM
Let me preface this by saying my husband was not diagnosed celiac disease by endoscopy...by the time he went for this test he was a year gluten-free so nothing celiac showed up. He did however test strongly positive for celiac disease the year prior to the test.
Last month he applied for an additional life insurance policy thru MetLife for the first time since he was 18 (life before celiac disease). He already has a very small MetLife life insurance policy from when he was 18.
From us, the agent learned what celiac disease is, etc. and submitted his application to his company for review.
Normal healthy people who don't smoke get a Standard rate or sometimes it's called Preferred rate. The agent could not presume my husband would get the best rate, and he even said my husband could be rejected. Strangely enough, the person at MetLife who reviews the health quesionnaires knew about celiac disease as she had several cross her desk in the past year.
The finality of this is that my husband was approved for the Standard rate!
Now what I think works in favor of celiacs is the fact that it is not considered a "disability" by Social Security. I think once you are pegged "disabled" it becomes a stigma.
For years, before celiac disease diagnosis, we never applied for life insurance for my husband because I thought for sure he'd be rejected due to his weight loss and GI symptoms.
So, if you're in NJ and need life insurance and want our agent's name and number send me a message (PM) and I'll give it to you.
D.
This post has been edited by debmidge: 10 January 2006 - 03:03 AM
Husband has Celiac Disease and
Husband misdiagnosed for 27 yrs -
The misdiagnosis was: IBS or colitis
Mis-diagnosed from 1977 to 2003 by various gastros including one of the largest,
most prestigious medical groups in northern NJ which constantly advertises themselves as
being the "best." This GI told him it was "all in his head."
Serious Depressive state ensued
Finally Diagnosed with celiac disease in 2003
Other food sensitivities: almost all fruits, vegetables, spices, eggs, nuts, yeast, fried foods, roughage, soy.
Needs to gain back at least 25 lbs. of the 40 lbs pounds he lost - lost a great amout of body fat and muscle
Developed neuropathy in 2005
Now has lymphadema 2006It is my opinion that his subsequent disorders could have been avoided had he been diagnosed sooner by any of the dozen or so doctors he saw between 1977 to 2003
Interests:Working to attain my husand's health back. I'd give up everything I own to get his health back.
Location:Twilight Zone
Posted 10 January 2006 - 04:28 PM
correction: NJ, NY and Mass. are all states he is available in.
Husband has Celiac Disease and
Husband misdiagnosed for 27 yrs -
The misdiagnosis was: IBS or colitis
Mis-diagnosed from 1977 to 2003 by various gastros including one of the largest,
most prestigious medical groups in northern NJ which constantly advertises themselves as
being the "best." This GI told him it was "all in his head."
Serious Depressive state ensued
Finally Diagnosed with celiac disease in 2003
Other food sensitivities: almost all fruits, vegetables, spices, eggs, nuts, yeast, fried foods, roughage, soy.
Needs to gain back at least 25 lbs. of the 40 lbs pounds he lost - lost a great amout of body fat and muscle
Developed neuropathy in 2005
Now has lymphadema 2006It is my opinion that his subsequent disorders could have been avoided had he been diagnosed sooner by any of the dozen or so doctors he saw between 1977 to 2003
Interests:Working to attain my husand's health back. I'd give up everything I own to get his health back.
Location:Twilight Zone
Posted 11 January 2006 - 02:12 AM
I recall reading someone posting a while ago about having a problem obtaining life insurance due to celiac and just wanted to put this out there in case others were or have the same problem. So we'll put New York Life on the list too, as companies that don't have a problem underwriting celiacs for life insurance.
Husband has Celiac Disease and
Husband misdiagnosed for 27 yrs -
The misdiagnosis was: IBS or colitis
Mis-diagnosed from 1977 to 2003 by various gastros including one of the largest,
most prestigious medical groups in northern NJ which constantly advertises themselves as
being the "best." This GI told him it was "all in his head."
Serious Depressive state ensued
Finally Diagnosed with celiac disease in 2003
Other food sensitivities: almost all fruits, vegetables, spices, eggs, nuts, yeast, fried foods, roughage, soy.
Needs to gain back at least 25 lbs. of the 40 lbs pounds he lost - lost a great amout of body fat and muscle
Developed neuropathy in 2005
Now has lymphadema 2006It is my opinion that his subsequent disorders could have been avoided had he been diagnosed sooner by any of the dozen or so doctors he saw between 1977 to 2003
Interests:cooking, embroidering, reading, singing, guitar, canning, gardening (amateur), cooking, watching Alias, Gilmore Girls, CSI, Grey's Anatomy, My Name is Earl, The Office, Desperate Housewives, running/biking, watching movies, hanging out with my hubby and my cat, spending time with friends and, just laying on the couch !
Location:Indianapolis, Indiana
Posted 11 January 2006 - 05:08 AM
Thanks for doing that...my dh and I will probably be doing that in the next few years...
Let me preface this by saying my husband was not diagnosed celiac disease by endoscopy...by the time he went for this test he was a year gluten-free so nothing celiac showed up. He did however test strongly positive for celiac disease the year prior to the test.
Last month he applied for an additional life insurance policy thru MetLife for the first time since he was 18 (life before celiac disease). He already has a very small MetLife life insurance policy from when he was 18.
From us, the agent learned what celiac disease is, etc. and submitted his application to his company for review.
Normal healthy people who don't smoke get a Standard rate or sometimes it's called Preferred rate. The agent could not presume my husband would get the best rate, and he even said my husband could be rejected. Strangely enough, the person at MetLife who reviews the health quesionnaires knew about celiac disease as she had several cross her desk in the past year.
The finality of this is that my husband was approved for the Standard rate!
Now what I think works in favor of celiacs is the fact that it is not considered a "disability" by Social Security. I think once you are pegged "disabled" it becomes a stigma.
For years, before celiac disease diagnosis, we never applied for life insurance for my husband because I thought for sure he'd be rejected due to his weight loss and GI symptoms.
So, if you're in NJ and need life insurance and want our agent's name and number send me a message (PM) and I'll give it to you.
Interests:About anything outdoors- love boating, fishing, hunting, shooting, camping, hiking, atv-ing, river rafting. My username is sharps45 because I enjoy shooting old west style weapons.
Location:Price, Utah
Posted 12 February 2010 - 09:17 PM
I purchased a new term policy 18 months ago, and disclosed that I had celiac. The premium doubled! What do you do? If you don't disclose it, and they find out, no one will cover you. I don't know about cancelling it. At 50 anything but term is a waste of money.
Sign In
Register
Help
MultiQuote