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Lower HIV Limits
Feb 14, 2000

Any comments on the latest ruling by the federal appeals panel that says that insurance companies have every right to limit there liability in hiv, over ruling a prior federal judges decision. In the particular case 2 men sued mutual of Omaha for limiting the amount of any and all hiv health coverage to 25,000. in one man and 100,000 in the other. Even though both polices had lifetime limits of 1,000,000.

I guess if you're going to get a disease in this country it has to be respectable enough otherwise the insurance companies let you die rather than treat something treatable and most of the public doesn't care because it's not happening to them. Actually, people will just become too sick to work, lose all that they own then end up on social security and medicare and end up costing the tax payer many times more than what it would have cost if only treated properly from the beginning. If only hiv was a respectable disease....

All sarcasm aside, do you think this ruling can possibly hold up in higher courts. How can they pay up to 1 million for cancer, but if your cancer is "hiv related" only 25,000.

Thank you for your comments.

Response from Ms. Franzoi

Although this was the decision in the Mutual of Omaha case, there have been other decisions that were the opposite. Often, different Districts will have widely varying opinions on a single subject. Eventually, it will be up to the Supreme Court to decide.

Lynn Franzoi

Returning to Work---Post-Social Security
long term/short term disability

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