|Snubbed by long term
Feb 14, 2011
I have great Insurance coverage with my company, "medical,dental,vision." However, i applied for Long term disability and was denied because of Hiv disclousure. Can i get Long term coverage somewhere else? I live in Ohio, and earn over $60,000 yr. Thank you in advance
Response from Ms. Franzoi
It is difficult to purchase an individual disability policy for someone who is HIV+. From your question, it sounds like you did not elect LTD coverage when you were first hired and applied for it at a later date. Is that correct? If so, your only option to get it through your current employer would be if he were to offer an open enrollment similar to what is available during the first 30 days after hire. If you were to change jobs and your new employer offered LTD coverage as long as you signed up during the initial enrollment period you would not have a problem. I know this doesn't help you now but could in the future if you were to change jobs.
boyfriend leaving with health insurance
LTD after heart attack
- Is It Possible To Get HIV From Genital Rubbing?
- Unprotected Sex Without Ejaculation And HIV Transmission Risk
- What Are The Odds Of Getting HIV From Erotic Massage?
- Fatigue After Anal Sex Top Sign Of HIV AIDS
- Pain In Balls After Receiving Oral Sex Sign Of HIV AIDS
- Can Keflex Treat Chlamydia?
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.