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
Read Now: TheBodyPRO.com Covers AIDS 2014
   
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


Increase in coverage for LTD
Nov 28, 2005

Hi Lynn, I was diagnosed with HIV in August 2005.

During my company's annual enrollment period this Fall, I elected to increase my Long Term Disability coverage. As part of that process I received a form that I must complet from MetLife of NY in order to have my request approved.

One of the questions on the form is "Have you ever been diagnosed or treated by a member of the medical profession for AIDS, ARC or HIV infection".

My question is - should I answer yes and if I do, what is the probability that I may be rejected for the higher coverage.

I have been employeed with the same company for over 10 years, sero-converted this year, am not on any medications though I am seeing an HIV speciality for the typical 3 month blood work routine.

My Tcells are over 1,000 and my current VL is 43,000.

Thank you.

Response from Ms. Franzoi

You have to answer yes. If you answered no and then became disabled, the LTD carrier would request full medical history and assuming your visits to the HIV specialist, including the routine 3-month blood work, are in your medical records, the carrier could deny your LTD claim based on insurance fraud. By answering yes, they might deny you an increased level of coverage. However, you would still have your existing coverage.



Previous
HIPAA for domestic partners
Next
Physician's Mutual and Mutual of Omaha

  
  • 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