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Long Term Disability With HIV Pre Existing Condition

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Ask the Experts

Supplemental Disability policy pre-existing condition

I have been HIV+ since 2000 and have been taking medications continuously since 2001. I am covered under my company's long term disability policy. The company is now offering a "supplemental individual income protection" plan from UnumProvident that...
Lynn L. Franzoi

Response from Lynn L. Franzoi

Worldwide Benefits for Fox, Inc.
...you would not be able to purchase a supplemental policy outside of a group arrangement.With respect to your question on the pre-existing condition clause (PEC), that is more difficult to answer. Since the coverage is guaranteed issue, you... Read more »

Clarifying Pre-existing Condition; and Unemployment bene's

In a response regarding pre-existing conditions, you stated: "Most LTD policies have a... Read more »

Pre-existing condition for HIV/AIDS

I am a 44 year old male with HIV/AIDS living in Muncie Indiana, currently my health plan provided... Read more »
Articles
The Body

A Pre-Existing Condition Can Wreck Your Whole Day

...started looking for apartments. I was nearly there. I was bucking the odds -- being a 47 year old man who happens to be a long term survivor with AIDS -- and moving on to law school. I was setting the precedent, only to have precedent hit me... Read more »
U.S. Centers for Disease Control and Prevention

California: Coverage Lifeline -- Help for People With Pre-Existing Conditions

...HIV. The program will operate until January 2014: After then, health insurers will be prohibited from denying coverage due to pre-existing conditions. State and federal officials are working out program particulars, including eligibility... Read more »
Project Inform

Federal Pre-Existing Condition Coverage Up and Running in Most States

... Under the new health care reform law, the federal government has created a temporary insurance program for people with pre-existing conditions. Each state and D.C. will have their own program, and most will be run by the state, though some are... Read more »
Project Inform

Talking Things Out

...Through Your Employer If your employer provides you health insurance, the insurance company must cover you even if you have a pre-existing condition like HIV. There are three general types of plans: fee-for-service, preferred provider... Read more »
Connect With Others

Insurance and Pre-existing conditions

Posted by TTFortLauderdale, 1 Reply
...so many things and I am a bit confused. If he gets a new job/insurance WILL they cover his HIV or will this be considered a pre-existing condition? I am concerned we will now be stuck here - anybody have experience with this? Read more »

disabilty insurance through employer

Posted by Anonymous, 2 Replies
...Does anyone know if it's possible to collect long-term disability insurance through an employer if you have hiv and hepatitis C? Is it difficult to do that and does your employer Read more »

Worry of the day .. need some advice

Posted by dotman32, 3 Replies
...least. :-) But I am concerned about something. I recently gave up a full time job with great benefits including short term and long term disability in order to persue my dream of one day being self employed. So I'm employed part-time and now... Read more »

I am the caregiver of a disabled adult who has HIV

Posted by 28262
...I am the guardian of a disabled adult who is HIV positive. I am HIV negative. I never thought I would land up with a person who had HIV living in my home. I always said to Read more »