I was denied life ins. because of EDS

[Guest guest]

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@...

ext. 4946

FAX: 717 849-4949

www.glatfelteragency.com

Carr-Boggs