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Group Health Insurance Policy And Hiv

Here's a taste of what has to offer on this topic:
Get the Facts
AIDS InfoNet

Selling Your Life Insurance

How Do I Choose a Company to Buy My Policy? Check with the state insurance department to see if viatical companies are licensed or regulated. Be sure to get offers from several companies. An organization that represents viatical companies is the Life Insurance Settlement Association, Orlando, FL; (407) 894-3797; . Two Internet web sites with independent information are: Viatical Settlements Information at...
Ask the Experts

Individual Health Insurance Policies

I'm HIV postive and have had group health coverage since I was in my 20's (I"m) now 45. I've been presented with an opportunity to join a start-up which could turn out to be very lucrative. They don't offer group insurance...
Lynn L. Franzoi

Response from Lynn L. Franzoi

Worldwide Benefits for Fox, Inc.
The best way to approach this would be to contact an insurance broker in your area to determine what is available to you. However, initially, you should take COBRA coverage for the 18 months allowable after you leave your current job. Then at the... Read more »

Help please! I'm HIV+, Changing Jobs soon, LTD & Group Health Insurance questions

I need your help please. Im doing as much on-line research as I can, but I still dont feel 100% about it all.Heres my story in summary: I work in California, with PPO coverage and Long-Term disability for 4 years with the same company. No...
Nancy Breuer

Response from Nancy Breuer

WorkPositive, Inc.
Congratulations on taking action in ways that will benefit your health and your happiness in the long term. Bravo! A great job with a strong company and good benefits: you have a lot to celebrate!I can respond to question A. I'm going to... Read more »

Aetna Health Insurance Small Group form

In the enrollment form on Aetna for TX Small Group business there is a section of Healh questionnaire and one question it ask s 9. Has any person to be covered had or has been told that they have an immune disorder, AIDS or AIDS related complex?...
Lynn L. Franzoi

Response from Lynn L. Franzoi

Worldwide Benefits for Fox, Inc.
In a small group plan, the insurance company asks many questions about health conditions, not only HIV-related ones but others. You should answer the questions honestly. Part of the reason is to determine what pre-existing conditions a person might... Read more »


Group health coverage from my previous employer ended April, 2005, and I started on COBRA immediately without any lapse in coverage. I had life insurance under an employer-sponsored plan. In addition, I paid premiums for additional life insurance,...
Lynn L. Franzoi

Response from Lynn L. Franzoi

Worldwide Benefits for Fox, Inc.
You should have had the right to convert your life insurance upon termination of employment. Some employers advise you of this at the time of your exit interview or in a letter. However, since your rights with repsect to conversion are described in... Read more »
Connect With Others

Legal/Policy Specialist HIV/AIDS in the workplace

Posted by Anonymous

The International Health Group is seeking a qualified candidate to serve as a Policy/Legal Specialist on an HIV/AIDS in the Workplace program. The position will involve technical oversight of up to ten overseas projects in collaboration... Read more »

health insurance

Posted by Anonymous, 1 Reply
can anyone help me with finding a health insurance group which is hiv friendly. i,m in the chicago aera. thank you.

Read more »

Long Term Disability Insurance and HIV

Posted by Anonymous, 1 Reply
$13,000. Worth of advice
about group disability insurance coverage.

When I first became fully disabled and unable to work I was worried but felt comfortable in knowing that I was covered by my employers long-term group disability policy. I knew that... Read more »

Insurance policy(6months)

Posted by Anonymous, 2 Replies
If you read this He are saying that a test at 3 months is MORE THAN 99.5% accurate(Most recent study). He also saying that 6 month window is an "insurance policy." wich means that the insurance companies want to have this 6 month rule and even if... Read more »