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Latest by Jacques Chambers, C.L.U.

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ARV Treatment for International Student

I am 31, from Indonesia, I have been diagnoses as HIV positive since April 2015 and begun arv treatment since August 2015. I got good news that I recieve a scholarship due my grades and performance at work. My question is, is that possible to continu...

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work permit for vih+ in Spain and Chile

I have received some proposals to work in Chile and Spain, and have looked for some information regarding whether these countries deny work permit for Vih+. The information is not clear and confused. Could you please let me know if there are any rest...

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International Student Insurance

Hi Jacques, I intend to continue my master degree in Univ of Maryland and they offer me student health insurance under ACT programme, is it means that i can get free ART treatment during my univ? I can not afford for hiv treatment because I only get ...

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Please List the Current Life Insurance Companys that cover HIV

The last time that this question was responded to was 7 years ago. I think that it needs some in depth investigation and some attention due to the fact that controlled HIV is no more of a long term risk than diabetes .

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Employer Charges Incorrect COBRA Premium

If an employer sends a COBRA Election Notice with an incorrect premium and several months of that premium is paid, can the employer than send a new Notice with the correct premium or are they obligated to honor the incorrect premium for a 12 month pe...

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HIV+ International Student Texas

Dear Mr Chambers, I am due to start an MBA in Texas in January for 2 years, but I am really worried about continuing my medication whilst i am in the USA. I am a UK citizen on treatment with Atripla which is provided for free on the NHS but I have ye...

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LTD, AFTER 24 MONTH REVIEW.

I am waiting for a desicion, to continue my LTD I was clinical diagnosis with degenerative arthritis in both knees and have had two operations and two on the same knee they placed 2 screws in my left knee I hurt all the time with swelling, popping, d...

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Can I "Forget" to Tell My Life Insurance Company I'm HIV Positive? (Editor's Pick)

How can I get life insurance without telling the company that I'm hiv positive

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HIV and Negotiating Blood Tests for a New Job (Editor's Pick)

Good Morning, Mr. Chambers. I hope everything is well. I have a question for you. I am in a selection process for a flight attendant position for AA. I have been in this process for so long, like two months. Now I am in the step where they are going ...

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Life Insurance Options for People With HIV? (Editor's Pick)

Where or how can I find life insurance that will except me with hiv