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Long Term Care Insurance


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#1 emma

 
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Posted 02 April 2005 - 05:30 AM

Has anyone else had trouble getting long term care insurance? I've got health insurance through my employer, but long term care insurance is optional, and we have to supply evidence of good health to qualify.

I had been thinking for a long time that I should have long term care insurance - I'm 51 and single - but I recently applied and was turned down!

I have no medical history of any health problems other than Celiac (I suppose my medical records indicate anemia and mild osteopenia as well. I do take anti-depressants, and have for years.) I don't think I have any other risk factors. I actually thought I was in pretty good shape and on the way to recovering from any Celiac-related issues I have.

Sheesh. <_< Do insurers just see Celiac as a "life-long chronic condition" (which I guess it is) and give it a thumbs down? Ironically, I think I take better care of myself than most people.

I can appeal the decision. I'm wondering now if, (assuming an appeal is successful),when and if I'm in need of long term care, the insurance company will deny my coverage based on a "pre-existing" condition. I suppose anything I
end up needing care for could somehow be related to Celiac, and therefore denied.

I'm worried! :unsure:
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#2 Rikki Tikki

 
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Posted 02 April 2005 - 07:19 PM

Hi Emma:

Be sure to post whatever you find out. That would be awful if they tell us if and when we need it that it's a pre-exsisting condition.
Sally
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Nostaglia is a file that removes the rough edges from the good old days!!!!

" 15 years of it's stress!"
"blood work show's a disease called celiac,
but it can't be that because it's rare!"
Diagnosed via blood and biopsy 2003


Not a medical professional just a silly celiac
offering support, my
experience and advice

#3 debmidge

 
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Posted 03 April 2005 - 12:18 PM

what about life Insurance?

If you get no satisifaction from the appeal process, then go to your State's Dept. of Insurance, if it doesn't upset your relationship with your employer..... as insurers are regulated by the state and if the state feels that they are being unfair, they'll force the insurer to write your coverage.
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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 2006
It 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




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