|Term Life insurance
Mar 4, 2010
I have been positive since 1997, my viral load is undetectable and my t cells are approx. 450 and have been for some time. I work for a private doctors office where I have just enrolled in their health plan. Which has a $5000 annual out of pocket deductible including pprescription drug coverage. I am navigating this nightmare with my local ASO and have some answers but I was also just given a form entitled evidence of insurability for the life insurance benefit. Like others I have seen in the past one of the questions I need to answer asks if I have ever tested positive for HIV? In the past year have I had a fever persisting more than one month; significant involuntary weight loss?; diarrhea persisting more than one month?; oral candidiasis?; or lymphadenopathy? They also ask for an explanation of any yes answers. By answering yes to the HIV positive question would I be ineligible for the life insurance or is it in my best interest to answer and explain I am positive but have had no AIDS defining illnesses or opportunistic infections. Thanks for your help
| Response from Ms. Franzoi
Most insurance companies do not extend coverage to HIV positive individuals, except in limited amounts (see prior Q&As to read which companies do this). However, answer all questions honestly. Failure to do so could result in paying the premiums only to have the policy rescinded at a later date. Falsely responding to questions is insurance fraud.
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