|Wondering if I'm still covered on my LTD.
Mar 20, 2003
Hello! I have had a long-term disability policy for many years through a professional organization that I belong to. I was not HIV+ when I first took out the policy. Since my HIV wasn't a pre-existent condition, am I still covered, or is HIV treated differently from other medical conditions? In this particular case, is there a way I can check that out without having to reveal my status to the insurer?
| Response from Ms. Franzoi
You still have coverage. Just keep that policy in force.
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