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HIV Test for Disability Insurance
Jul 13, 2002

A few years ago I had the typical workup done regarding Disability Insurance. (Including a test for HIV)

I did recieve the policy with a few rider exclusions. (Cost of living, Automatic Additional Benefit Increase)

I did recieve information that I had some elavated Liver Enzymes, and I was on "Smoker" status.

I never recieved any information regarding my HIV status, positive or negative.

My concern is that my doctor never recieved any blood work either.

I suffer from an Anxiety disorder, and am stressing that I may have tested positive but was not alerted.

Can they do this?!?

Would they have even granted the policy? (It is an LTD Group Policy)

If they did grant it, I certainly did not indicate that I was HIV positive, because I don't belive I am. Nor did they indicate any exclusions regarding symptoms associated with that condition.

I hope I am worried for no reason.

Response from Ms. Franzoi

If you had tested positive for HIV, the insurance company would not have issued you an LTD policy. However, if you are concerned about your status, get tested. You can do this anonymously.

I would like to know?

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