Advertisement
The Body: The Complete HIV/AIDS Resource
Follow Us Follow Us on Facebook Follow Us on Twitter Download Our App
Professionals >> Visit The Body PROThe Body en Espanol
   
Ask the Experts About

Workplace and Insurance IssuesWorkplace and Insurance Issues
           
Rollover images to visit our other forums!
Recent AnswersAsk a Question
  
  • Email Email
  • Glossary Glossary


Tricky Life Insurance application
Jan 15, 2004

Thanks for answering this for me. I recently received an application from my NY teachers union to apply for term life insurance. Being HIV positive I never bother to read these thinking no one would give me insurance based on my HIV status. However when reading the medical questions, it asked have you been diagnosed with AIDS in the last five years? What if a person were diagnosed with HIV but not technically AIDS? And what if a person were diagnosed 10 years ago rather than in the last 5? Would it be wrong to answer no if 1, you were never diagnosed with AIDS and 2, if you were diagnosed longer than 5 years ago?

Response from Ms. Breuer

This is the first time I've read of such a clumsily-worded question on an insurance questionnaire. In my opinion, your response of "No" would be entirely defensible. Nothing in your medical records would indicate that you have AIDS, because you don't. If I were you, I would give this question a strict interpretation and say No.

As you know from reading other responses on this site, we never advocate lying on an insurance application, because lying often comes back to bite you. And you would not be lying if you said no. As my husband (an historian) likes to say, the quality of the answers you get is determined entirely by the quality of your questions. They asked a very diagnosis-limited question, which merits a limited answer.



Previous
Medical worker with HIV
Next
PPO vs HMO

  
  • Email Email
  • Glossary Glossary

 Get Email Notifications When This Forum Updates or Subscribe With RSS


 
Advertisement



Q&A TERMS OF USE

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.

Review our complete terms of use and copyright notice.

Powered by ExpertViewpoint

Advertisement