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Author Topic: Work - Life Insurance - Disclosure  (Read 2166 times)

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Offline Optimistic

  • Member
  • Posts: 326
  • An Apple A Day Keeps The Doctors Away!
Work - Life Insurance - Disclosure
« on: January 02, 2007, 06:08:34 PM »
Hello Everyone,

I hope all of you are off to a wonderful new year so far.  I have a question regarding work and life insurance.  Tomorrow, I am suppose to do some paper work with an insurance person for life insurance for my work.  My concern is, do I have to disclose my status to him?  I absolutely do not want the people at my work to know about my status.  I am kinda freaking out. Has anyone ever been in a situation like this before?  Any advice would be greatly appreciated.  Thank you.

Hugs,
Justin
12/06 (Atripla): cd4 - 260; cd% - 33%; vl - 169
1/07 (Atripla): cd4 - 267; cd% - 38.1%; vl - 132
4/07 (Atripla): cd4 - 373; cd% - 33.9%; vl - <50
7/07 (Atripla); cd4 - 287; cd% - 35.8%; vl - <50
9/07 (Atripla); cd4 - 356; cd% - 39.5%; vl - <50
12/07 (Atripla); cd4 - 517

Offline bocker3

  • Member
  • Posts: 3,458
  • You gotta enjoy life......
Re: Work - Life Insurance - Disclosure
« Reply #1 on: January 02, 2007, 06:15:48 PM »
I don'tknow your specifics, but generally if you are applying for Life Insurance through your job at Open Enrollment time or when you begin a job, there aren't questions to answer.  Of course, I have always worked for large employers, so this may not hold true for you.
I would think, though, that your employer would not be privy to anything you answer to the Insurance company.

Good luck and let us know.

Mike
Atripla - Started 12/05
Reyataz/Norvir - Added 6/06
Labs - Pre-Meds
Sep05 T=350/25% VL98,559
Nov05 288/18%  47,564
Current Labs
May2013 691/31% <20

Offline Coffeechick88

  • Member
  • Posts: 431
Re: Work - Life Insurance - Disclosure
« Reply #2 on: January 02, 2007, 06:29:43 PM »
It really depends on the place.  My particular workplace, if I apply during open enrollment, and I start with the lowest amount--which would be my salary for the year and each year raise it by no more than increments of 1x salary, then I can get away with not taking a medical questionaire.  If I were to start with, say, 5X salary, then they would do it.  That is the way I would understand it.  If I were you, I would just find out with the broker or whoever, about the rules regarding medical questionaires.
Lucas James is here
Born 6-14-08 at 1233 am
8 lbs 14 oz, 22 in long

Offline allanq

  • Member
  • Posts: 691
  • still life with pills
Re: Work - Life Insurance - Disclosure
« Reply #3 on: January 02, 2007, 07:03:15 PM »
As the previous two posters have noted, it depends on your particular workplace. Big companies typically offer their employees life insurance under a group policy with no medical questions asked. Usually, the amount is a multiple of your annual salary. Smaller companies may require medical underwriting.

If the application asks any medical questions, I suggest that you decline the insurance without any explanation. If you respond truthfully to any medical questions concerning your HIV status, you will almost certainly be denied coverage. If you do not respond truthfully, then the insurance company can deny payment of the death benefit because you filled out a fraudulent application.

Allan
Top (Breakfast): Prezista, Norvir, Isentress, Zoloft (2), Glyburide (2), Aspirin
Bottom right (Dinner): Prezista, Norvir, Isentress
Bottom left (Bedtime): Sustiva, Trazodone (2), Lipitor, Septra (no longer taking this)
Center: Alprazolam (Xanax)
Not shown: various vitamins & supplements

Offline J.R.E.

  • Member
  • Posts: 7,280
  • Joined Dec-2003 Living positive, since 1985.
Re: Work - Life Insurance - Disclosure
« Reply #4 on: January 02, 2007, 07:47:02 PM »
Hello,

I have group term life insurance at work, that the company provides for free, I also have supplemental life insurance,( which I pay additional for, through another carrier) that I signed up for last month. They are probably going to ask you the amount of coverage you want, and the name of a beneficiary. Which is normal. There was no question as to my heath or HIV status, by the new carrier. I never had to disclose .


Ray
Current Meds ; Viramune, Epzicom, 40mg of simvastatin, 25 mg of Hydrochlorothiazide.
Metoprolol tartrate 25mg



http://forums.poz.com/index.php?topic=40802.0

http://forums.poz.com/index.php?topic=45159.0

http://forums.poz.com/index.php?topic=39722.msg495621;topicseen#msg495621

http://forums.poz.com/index.php?topic=46806.0

http://forums.poz.com/index.php?topic=39414.msg491701#msg491701


Diagnosed positive in 1985,.. In October of 2003, My t-cell count was 16, Viral load was over 500,000, Percentage at that time was 5%. I started on  HAART on October 24th, 2003.

 As of 12/10/14,  t-cells are at 350,  Previous 8/25/14--- 402/ Viral load remains <40

 Current % is at 13% / Previous 8/25/14 11%

  
 63 years young.

Offline Longislander

  • Member
  • Posts: 2,486
Re: Work - Life Insurance - Disclosure
« Reply #5 on: January 02, 2007, 08:33:06 PM »
I signed up for some supp. disability insurance in the 90's but cancelled not too long after. A month ago they called me up and wanted to see me at work, not knowing why, and hoping maybe they would just re-up me , I met with her. Just a sales pitch, and they wanted to resign me. None of the questions asked me if I had HIV/AIDS, but they did want me to sign so they can get my medical records through my health insurance carrier.
infected 10/05 diagnosed 12-05
2/06   379/57000                    6/07 372/30500 25%   4/09 640/U/32% 
5/06   ?? /37000                     8/07 491/55000/24%    9/09 913/U/39%
8/06   349/9500 25%              11/07 515/68000/24     2/10 845/U/38%
9/06   507/16,000 30% !          2/08  516/116k/22%    7/10 906/80/39%
12/06 398/29000 26%             Start Atripla 3/08
3/07   402/80,000 29%            4/08  485/undet!/27
4/07   507/35,000 25%            7/08 625/UD/34%
                                                 11/08 684/U/36%

Offline Nico

  • Member
  • Posts: 262
Re: Work - Life Insurance - Disclosure
« Reply #6 on: January 02, 2007, 08:37:38 PM »
Optomistic,
I am in the field and can give you some advice.  If you are working for an employer who offers company paid (known as Basic Life) you can sign up - no questions.  If in addition they offer Optional or Supplemental Life, you can sign up for the maximum amount that does not require you to provide Medical Information.  This could be 1 to 5 times you salary or maybe increments of $10,000 and up to a certain maximum.

If you choose to take the Optional/Supplemental Life within the non-medical guidelines, you do not need to answer any health questions to anyone.  

I wish I knew a little more about your situation (small employer or large).

Good luck and cheers!
Roger      
Poz since 1990.

Offline Optimistic

  • Member
  • Posts: 326
  • An Apple A Day Keeps The Doctors Away!
Re: Work - Life Insurance - Disclosure
« Reply #7 on: January 02, 2007, 09:34:19 PM »
Hello Everyone,

I want to Thank all of you for the replies.  I feel much better now.  To answer some of your questions, I work for a medium size firm and the employer offers a basic life insurance.  I'm not sure about the supplemental/optional life insurance at the moment...but I will keep you guys posted after the meeting with the insurance agent.

Hugs,
Justin
12/06 (Atripla): cd4 - 260; cd% - 33%; vl - 169
1/07 (Atripla): cd4 - 267; cd% - 38.1%; vl - 132
4/07 (Atripla): cd4 - 373; cd% - 33.9%; vl - <50
7/07 (Atripla); cd4 - 287; cd% - 35.8%; vl - <50
9/07 (Atripla); cd4 - 356; cd% - 39.5%; vl - <50
12/07 (Atripla); cd4 - 517

Offline Optimistic

  • Member
  • Posts: 326
  • An Apple A Day Keeps The Doctors Away!
Re: Work - Life Insurance - Disclosure
« Reply #8 on: January 03, 2007, 11:51:17 AM »
Hello Everyone,

I met with the Insurance person and there were no questions regarding HIV...but I did have to sign a form giving the company consent to take a blood test.  Now what should I do?  I do not want people at work to know.  This is kinda stressful.  I wish I could just turn down to life insurance.  Any advice as to how I can avoid this situation?

Hugs,
Justin
12/06 (Atripla): cd4 - 260; cd% - 33%; vl - 169
1/07 (Atripla): cd4 - 267; cd% - 38.1%; vl - 132
4/07 (Atripla): cd4 - 373; cd% - 33.9%; vl - <50
7/07 (Atripla); cd4 - 287; cd% - 35.8%; vl - <50
9/07 (Atripla); cd4 - 356; cd% - 39.5%; vl - <50
12/07 (Atripla); cd4 - 517

Offline Optimistic

  • Member
  • Posts: 326
  • An Apple A Day Keeps The Doctors Away!
Re: Work - Life Insurance - Disclosure
« Reply #9 on: January 03, 2007, 06:37:09 PM »
I'm kinda freaking out because I have an appointment with a nurse to have my blood drawn and urine sample taken on friday.  What should I do?  Is there anyway I can avoid people knowing about my status? What would happen if they know I am positive?  Will they deny the insurance?  If they do, wouldn't people wonder why it was denied?  I'm scared now.


Justin
12/06 (Atripla): cd4 - 260; cd% - 33%; vl - 169
1/07 (Atripla): cd4 - 267; cd% - 38.1%; vl - 132
4/07 (Atripla): cd4 - 373; cd% - 33.9%; vl - <50
7/07 (Atripla); cd4 - 287; cd% - 35.8%; vl - <50
9/07 (Atripla); cd4 - 356; cd% - 39.5%; vl - <50
12/07 (Atripla); cd4 - 517

Offline J.R.E.

  • Member
  • Posts: 7,280
  • Joined Dec-2003 Living positive, since 1985.
Re: Work - Life Insurance - Disclosure
« Reply #10 on: January 03, 2007, 07:06:13 PM »

I am wondering if this is a standard company "drug Test" which is given randomly to employees. We have the same thing also, where I work. The company gives all new employees, a test for drug use, and periodically tests existing employees for drug use, whether a person is under suspicion of using drugs, or not.

Ask what the blood test is for.



Ray







« Last Edit: January 03, 2007, 07:08:14 PM by J.R.E. »
Current Meds ; Viramune, Epzicom, 40mg of simvastatin, 25 mg of Hydrochlorothiazide.
Metoprolol tartrate 25mg



http://forums.poz.com/index.php?topic=40802.0

http://forums.poz.com/index.php?topic=45159.0

http://forums.poz.com/index.php?topic=39722.msg495621;topicseen#msg495621

http://forums.poz.com/index.php?topic=46806.0

http://forums.poz.com/index.php?topic=39414.msg491701#msg491701


Diagnosed positive in 1985,.. In October of 2003, My t-cell count was 16, Viral load was over 500,000, Percentage at that time was 5%. I started on  HAART on October 24th, 2003.

 As of 12/10/14,  t-cells are at 350,  Previous 8/25/14--- 402/ Viral load remains <40

 Current % is at 13% / Previous 8/25/14 11%

  
 63 years young.

Offline Optimistic

  • Member
  • Posts: 326
  • An Apple A Day Keeps The Doctors Away!
Re: Work - Life Insurance - Disclosure
« Reply #11 on: January 03, 2007, 07:26:34 PM »
The blood test is part of the physical examination.  Is there anyway I can get out of this?  Maybe I should just decline the life insurance, but that would be very suspicious. My blood pressure is rising as I feel very nervous right now.  I don't need this life insurance thing.

Justin
12/06 (Atripla): cd4 - 260; cd% - 33%; vl - 169
1/07 (Atripla): cd4 - 267; cd% - 38.1%; vl - 132
4/07 (Atripla): cd4 - 373; cd% - 33.9%; vl - <50
7/07 (Atripla); cd4 - 287; cd% - 35.8%; vl - <50
9/07 (Atripla); cd4 - 356; cd% - 39.5%; vl - <50
12/07 (Atripla); cd4 - 517

Offline ademas

  • Member
  • Posts: 1,151
Re: Work - Life Insurance - Disclosure
« Reply #12 on: January 03, 2007, 07:29:20 PM »
yep...I'd ask what the blood test is for, too.

(Is it legal to test for HIV without specific consent?)

Why can't you just opt out?  Tell them you already have adequate coverage, and that you have a thing about needles, and you just don't want to take advantage of this benefit.  Tell them you're not big on signing waivers to release medical information carte blanche to anyone, and that you will not be participating. 

I don't think you even owe them much of an explanation beyond, "Thanks, but no thanks."

Good luck. 

Offline Nico

  • Member
  • Posts: 262
Re: Work - Life Insurance - Disclosure
« Reply #13 on: January 03, 2007, 07:30:56 PM »
Justin,
I am wondering again if the life insurance you are being offered requires any contribution on your part?  I am also wondering if you had the opportunity to sign up for this insurance and declined and now you are attempting to sign up for it now.  This would make you a late entrant and subject to medical underwriting.  Again, I wish I had more to go on.

As far as the blood test results, if the insurance carrier took your blood and discovered you tested positive for HIV, they can only report this to the Medical Information Bureau (MIB).  This is tool all insurance companies use to report their findings and use the information provided to evaluate their risk to insuring you.  They will not report this to your employer and your employer will never see the results.  If they did it would be a violation of the privacy act.

I guess the one thing that bothers me is if the company is paying the entire amount of your life insurance, why would you need to be available for a blood test?  That being said, I do not have all the facts.  If you wish to email me, I would be more than happy to provide my office number and we could discuss.  I am licensed in many states and no I do not sell this stuff.  I may or may not be able to answer your questions, but the offer is there or if you get me online you can IM me.

Good luck, but do not worry about your employer finding out.  If they did, you could take them to the cleaners!

Cheers.
Roger
Poz since 1990.

Offline Nico

  • Member
  • Posts: 262
Re: Work - Life Insurance - Disclosure
« Reply #14 on: January 03, 2007, 07:40:34 PM »
Ademas,
If Justin signed a consent for it is legal to test for anything including HIV.  Been in the business since 1983 - was 18 when I started - man I am old!   :o  Again the insurance carrier is prohibited to disclose any part of his test to his employer.  All they can say is he was declined for coverage.  That's it.


Roger
Poz since 1990.

Offline Optimistic

  • Member
  • Posts: 326
  • An Apple A Day Keeps The Doctors Away!
Re: Work - Life Insurance - Disclosure
« Reply #15 on: January 04, 2007, 11:35:37 AM »
Thank you Roger, Ademas, Ray, Allan, Mike, Longislander for the advice....

I told my employer today that I wanted to opt out of the Life Insurance and everything went pretty smoothly.  I feel much better now.  A sigh of relief.  Thanks so much everyone.

Hugs,
Justin
12/06 (Atripla): cd4 - 260; cd% - 33%; vl - 169
1/07 (Atripla): cd4 - 267; cd% - 38.1%; vl - 132
4/07 (Atripla): cd4 - 373; cd% - 33.9%; vl - <50
7/07 (Atripla); cd4 - 287; cd% - 35.8%; vl - <50
9/07 (Atripla); cd4 - 356; cd% - 39.5%; vl - <50
12/07 (Atripla); cd4 - 517

 


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