Re: I was denied life ins. because of EDS

[Guest guest]

,

Write to the insurance commissioner in your state.

-Barb

[Guest guest]

Hi Barb,

Don't the ADA have something on this? I know there has been cases

here which resulted in the ins. companies not being allowed to deny

people life insurance because of such things. If people have a fatal

condition, they can't deny either, but they can increase the ins.

premium... And the ADA law is supposed to be the best law in the

world re. discrimination against people with disabilities...

Aase Marit

>,

>

>Write to the insurance commissioner in your state.

>

>-Barb

>

>

>

>

>

>To learn more about EDS, visit our website: http://www.ehlersdanlos.ca

>

[Guest guest]

This is SCAREY!

I had a long discussion with the dentist today on why I didn't want

to get an official dx for my kids - insurance was what I cited -

amazingly he agreed that was a good reason - but suggested that I

get myself dx, but then that would be 'history', too - and now I read

about you. Really, truely awful.

I have no clue as to what you can do, but I do know that somehow we

all need to get together and stop this from happening.

You will be in my prayers!

-- In ceda , " ~Lonestar Rose~ "

wrote:

> IMPORTANT:

>

> I recently applied for additional whole life insurance (already

have some from Texas Teachers Retirement, but wanted to supplement

it). I received written notice that I had been denied, and the

reason cited was " medical history " . Upon further inquiry, I was told

that it was specifically because of me having Ehlers-Danlos Syndrome

(have Classical and Hypermobility). There was no other reason given,

and I questioned Ruth Wolf several times to be certain I had

understood her correctly. I was honest in all my health disclosures,

and have no condition which is terminal. I do not have Vascular EDS,

which I can prove (have had the skin biopsy, and even had it re-

examined by Dr. Byers' lab). I told the underwriter that I am

alarmed and would not have even bothered to apply had I thought that

I would be denied for a condition/syndrome which is not fatal

(excluding possibly Vascular EDS), and one in which there are MANY

degrees of severity. I was told that " the information is now

in 'MIB', a database available to medical and life ins. companies,

and that I now must forever after disclose that I have been denied

coverage because of EDS. This is effectually like

being " blacklisted " . Please....I want the medical research community

and other EDSer's to know and share this information of my

experience. This decision was based on ignorance of Ehlers-Danlos

Syndrome. The upcoming EDNF Conference in Buffalo, NY in July would

be a perfect time to share this very grave concern. I was also

told, " anyone who thinks they may become disabled and has group life

ins. from their employer may convert that within 30 days of becoming

disabled/unable to work " . What about those of us who had little or

no warning? I silently thought of young Dylan....fine one day,

disabled the next....not with Vascular EDS, but with Hypermobility

EDS. Here is the company and underwriter who denied me:

>

> co. who denied me because I have EDS:

> U.S. Financial Life Insurance Co.

> www.usfli.com

> 10290 Alliance Road

> P.O. Box 429560

> Cincinnati, OH 45242

>

> FAX

>

> underwriter:

> TheGlatfelterAgency (no spaces between the words)

> Ruth M. Wolf, LUTCF,ChLAP

> Sr. Executive Director

> Special Needs Agency

> Susquehnna Commerce Center East

> 221 W. Philadelphia St.. Suite 400

> P.O. Box 2926

> York, PA 17405

> rwolf@g...

> ext. 4946

>

> FAX: 717 849-4949

> www.glatfelteragency.com

>

> Carr-Boggs

>

>

>

>

[Guest guest]

http://www.fvleiden.org/ask/41.html

Disability and life insurance are NOT covered under federal laws for

genetic discrimination. This means a person's genetic information

can be used to deny, limit coverage, or adjust premiums. However,

some STATES have put protections in place to prevent this type of

discrimination.You can search your state law at:

http://www.genome.gov/11510231