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Long Term Disability With HIV Pre Existing Condition

Here's a taste of what has to offer on this topic:
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...
Lynn L. Franzoi

Response from Lynn L. Franzoi

Worldwide Benefits for Fox, Inc.
To determine whether or not buying the additional coverage is a worthwhile investment or not, you should consider several things: (a) what is the cost per dollar of benefit; (b) how does that cost compare to your basic cost; (c) does it provide... 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 conditions and long term care

Hi, my father has good insurance but he has parkinsons. My mom is worried that they don't have... Read more »
U.S. Centers for Disease Control and Prevention

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

On July 1, the federal government will provide California $761 million to create a health insurance pool for residents with pre-existing health conditions, including HIV. The program will operate until January 2014: After then, health insurers will... 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 run... Read more »
Test Positive Aware Network

Newly Diagnosed or Long-Term Survivor -- What Everyone Should Know About HIV and Their Rights

Confidentiality Rights -- the AIDS Confidentiality Act First, your HIV status should not be disclosed by you to anyone except those people who absolutely need to know (doctors, health care providers, etc.), close friends, most-trusted confidants,... Read more »

Even Among Long-Term HIV Nonprogressors, Some Signs of Heightened Cardiovascular Risk Exist, U.S. Study Finds

Cardiovascular risk may be slightly higher even among HIV-positive people whose immune systems are able to keep HIV at bay without the help of antiretrovirals, according to a small study by U.S. researchers presented at ICAAC 2010. The findings are... Read more »
Connect With Others

Insurance and Pre-existing conditions

Posted by TTFortLauderdale, 1 Reply
My boyfriend was recently diagnosed with HIV. Fortunately he has good insurance - however we had plans to relocated to North Carolina. Of course he will have to find a new job and get new insurance. He will not let is insurance Lapse because he will... 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 and pre exisitng conditions

Posted by Anonymous, 2 Replies
can someone please tell me how you go about getting a job with insurance and taking advantage of the 1996 law clinton passed that no one can be denied insurance or have a pre existing condition clause put on them if they have had credible insurance... Read more »

Long Term Non Progressors (LTNP) - Groups

Posted by vlyguyva, 1 Reply
Does anyone know if support groups/organizations, etc. exist specifically for LTNP's? If anyone has any info or links to such groups I would appreciate hearing from you.

Thanks!! Read more »