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Disability Insurance
Mar 14, 2002

I have Disabilty insurance with a major carrier. The policy states disability is loss of sight, hearing or a limb. Does having HIV constitute a disability to be covered under this type of policy? Thanks for your help

Response from Ms. Franzoi

The plan you are describing is not a disability plan. It sounds like a personal accident insurance or accidental death and dismemberment plan with a disability feature in it. If this is the case, a dsisability resulting from HIV/AIDS would not be covered because the disability has to be the result of an accident.



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