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RE: [IP] Type I denied life insurance at age 31!


I too am in the Dallas area.

I tried to increase my daughter's (now age 12) life insurance that we got
her at birth and it was denied. I tried to buy her an additional policy and
couldn't get it. The ONLY chance we have of increasing her life policy is at
her wedding date, her 25th birthday or some other life occurrence but I'll
have to check my calendar because I can't remember it!

Did you have an old policy? Maybe you can bump that up? It is a state or
federal law even about not allowing diabetes patients new life polices. Not
sure how that all works. But I think anyone diagnosed with Diabetes is
denied life coverage. I don't know if a new job for you would allow you a
basic coverage, but as an at-home parent advocate - that wouldn't be worth
going back to work for!!

Talk to a financial investor and put the same amount of money each month
away in an earning account... that way you'll have something!

You might also check the ADA web site, to see what laws there are that
govern this issue. www.diabetes.org is the place to check that out. Let us
know what you find out!

Connie Miller
Photography benefiting the Children With DIABETES Foundation.
If  9 out of 10 people that read this say NO, we still raise $300,000 this
year for CWDF.
If  9 out of 10 people that read this say YES, we raise 3 MILLION this year
to fund a porcine islet cell transplantation trial.
Are you with us? www.fundsfordiabetes.org

-----Original Message-----
From: email @ redacted
[mailto:email @ redacted]On Behalf Of Jenifer Harrison
Sent: Thursday, April 04, 2002 7:18 AM
To: email @ redacted
Subject: [IP] Type I denied life insurance at age 31!

Oh boy!  I know this is going to ruffle some feathers because I am still
so furious.  BUT, I need some advice on how exactly to handle this
situation.  First off, I am a 31 yo type I stay-at-home Mom.  I thought I
should have life insurance to protect my family in case something should
happen.  I was thinking more along the lines of an accident, but
apparently I have been denied because of one of my Dr.'s medical
information on me.  Here's my story, please bare with me, but I need to
tell ALL the facts. I started seeing an Internal Medicine Dr. after my
son was born in 2/01.  We had moved to Dallas in 8/00 and I was pregnant
at the time, so I saw an OB and a Perinatologist to take care of my
Diabetes and the baby.  I had to choose an IM as my primary dr. as
dictated by my HMO.  Anyway, I chose a Dr. who turned out to be a nice,
young Dr. who was knowledgeable on the basics of Diabetes. I think I was
a mystery to him at times.  I honestly felt that I was telling him about
Diabetes.  He was not too familiar w/Humalog and the pump.  SO.....he
referred me onto a specialist (Endocrinologist).  After my son was born I
had what turns out to be neurological side effects from hypoglycemia.   I
also had 2 low blood sugar seizures after my son was born (I had had many
before getting the pump).  I KNOW this was due to my body trying to
recover from pregnancy as well as stress and lack of sleep, etc.  Anyway,
around the same ti! me as the seizures, I had 1 episode where my sugar
dropped  and I developed a facial tick (where one side of my face kept
smiling and the other side stayed in place).  This happened while I was
on vacation and I was stressed traveling w/2 kids 2 weeks after 9/11 on
an airplane by myself w/o my husband.  Luckily this happened at my
sister's house right after we got there.  It took an hour for my bg to
get back up and scared the begeezus out of my sister and daughter, me
too!  The IM said that he wanted me to have a CT Scan.  I called my new
ENdo (who I was waiting to see at the time) and they said that I was
having neurological side effects from hypoglycemia and that they see that
on a daily basis.  They told me that they did not feel that I needed a CT
scan but didn't want to tell me one way or the other until they saw me,
so I waited until I saw the new ENdo. to make that decision (I would have
to pay extensively out of pock! et for the CT scan, but my husband and I
decided it was well worth it if it was necessary, the big question being
IF).  After my endo. saw me I decided that if anything else occurred, I
would have the CT scan.  Nothing did and I have not had anymore episodes,
seizures, etc.  My hgA1c was 6.4 prior to pregnancy, 4.8 at the end of
the preg., 5.4 after, then 5.8 and most recently was 6.0 (which the Dr.'
says is where he wants me to be).  I have NEVER been hospitalized for any
complications relating to Diabetes. Now the life ins. company came out
and took a blood sample AND urine sample and approved me and then I get a
letter yesterday stating I have been denied because of the IM's report.
My question is:  THey have info. from my ENdo who I have been seeing for
6+months AND they have my blood work AND urine.  Can they deny me on one
doctor's testimony who does not specialize in Diabetes?  If I can't get
life insurance now, if I apply for ins. with any other company don't they
ask you if you have ever been denied?  Doesn't that play a big role in if
they will even look at you to be insured?  My first instict is to call a
lawyer b/c if this is what Diabetics have to face, then we are in big
trouble.  Do I have to go back to work so I can get the standard $10,000
life insurance so my family can at least have expenses covered if the
unfortunate happens?  I don't want to do that.   Thank you for listening
and I am sorry it is so long.  You needed to know ALL the facts so you
can tell me if I am way off base here.  I did talk to the agents sec. and
I asked if we can appeal this and she said the agent will call me today.
SHe was so sympathetic and I apologized for pleading my case to her.
Told her I was scared and mad that my life is worth nothing to this
company and if an accident occurs my family gets nothing.  SAD!   Thank
you for listening!  I welcome anything you all have to say.   Jenifer
(Jenie) Harrisondx'd 7/93, pumping since 8/99, 2 kids Back to the life
insurance -


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