Life insurance medical exam
Jul 23, 1997
I've been working at the same job for three years. They do not know I'm hiv+. They are giving life insurance now as a benefit and require that I take an exam with this new company. Will they give me a test for HIV? If so, should I just say I already have life insurance and refuse to take the medical exam?
Response from Ms. Breuer
When applying for life insurance, the insurance company can ask if you are HIV+ or require a test for HIV. The questionnaire, if completed, should be sent directly to the insurance carrier not delivered to the company so the company should not be aware of your response. Even if the insurance company were to deny you coverage, they cannot reveal to your employer the reason why. This is between you and the insurance company.
The decision you make with respect to whether or not to accept the coverage is difficult for me to answer. This is a decision that only you can make.
Get Email Notifications When This Forum Updates or Subscribe With RSS
This forum is designed for educational purposes only, and experts are not rendering medical, mental health, legal or other professional advice or services. If you have or suspect you may have a medical, mental health, legal or other problem that requires advice, consult your own caregiver, attorney or other qualified professional.
Experts appearing on this page are independent and are solely responsible for editing and fact-checking their material. Neither TheBody.com nor any advertiser is the publisher or speaker of posted visitors' questions or the experts' material.