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[IP] Life insurance
Here is a story that I found slightly amusing. I
am certain everyone on this pump site has faced a similar
I recently applied for life
insurance coverage through my employer. I work for county government, and we are
allowed up to a certain amount in coverage, but can apply for
"advanced" coverage up to $100,000. My wife took out a huge policy on
herself, so I felt kind of obligated to reciprocate the gesture.
Six weeks after sending in my
application, I received an "Evidence of Insurability" form. I was
asked to check boxes to describe any medical conditions. Yep, right after
allergies, asthma and bee stings, there was good ol' diabetes. I checked only
that box from the 50-or so listed health conditions. The form asked for the date
I was last treated for the condition(s) listed. I thought for a moment, then
marked "daily." I signed to release medical information to the
insurers, then mailed in the application.
Two months went by. I finally
received a personal one-page letter from the insurance company's claims manager,
denying my application. I wasn't surprised. No big deal. But the letter stated
that I was denied due to my "ongoing treatment for diabetes." What, is
it going to stop? Ongoing treatment for diabetes would indicate to me that a
person is working hard to manage it.
The form stated outright that
they did NOT check my medical records, but I could reapply for coverage by
sending medical records or any other related materials. In other words, I was
really going to have to work for it.
Odd, isn't it, that the
company did not state that they deny persons with diabetes as a matter of
policy. I might understand that. Instead, they spent two months to assess the
application, didn't follow-up by checking medical records like they said they
would, then denied the application because I receive "ongoing
I can only laugh---it took
them two months to draft a letter.