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 Posted: Sun Jan 18, 2009 1:13 pm Post subject: |
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| Quote: | | If these types of posts are not allowed here, please delete. Thanks. |
D, I'm leaving this one, and it's ok to occasionally offer for someone to contact you...By the way you can enter all your contact information with web addresses or links on your 'signature' (under edit profile-right side of screen...feel free to pm me with any questions)
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"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr. |
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Lori
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| Posted: Fri Jan 23, 2009 5:58 am Post subject: |
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| It all depends on how you explained your condition. A lot of denials are because the medical conditions are not explained thoroughly. How severe is your depression? Is it from a specific event like a death or a divorce or is it from a chemical imbalance? All of those questions play into their decision. If it was because of an event you should be fine, if it is because of a chemical imbalance then you probably won't win the appeal. |
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jacksonfinancial
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| Posted: Fri Jan 23, 2009 11:46 am Post subject: |
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| Quote: | | if it is because of a chemical imbalance then you probably won't win the appeal |
Well Jack aren't a lot of diseases due to imbalances in our systems that can be managed by medications? I think so...isn't potential heart disease stopped with high colestorol drugs? just a thought
_________________
"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr. |
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Lori
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| Posted: Fri Jan 23, 2009 1:15 pm Post subject: |
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I have had several underwriters tell me that they frown upon depression due to a chemical imbalance vs. depression from a life event due to the fact that many people with depression from a chemical imbalance would possibly cause someone to cease taking their medication. I agree with you that most diseases are from some type of chemical imbalance but the powers that be set the rules... I don't necessarily agree with everything the "underwriters" say but I'd imagine that most of what they do is based on years of data to back them up.
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Louise Jackson-Marquez
Jackson Financial
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jacksonfinancial
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| Posted: Fri Jan 23, 2009 1:31 pm Post subject: |
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I hear dat! | Quote: | | I don't necessarily agree with everything |
we just have to live with it and take the heat   that's in every job i'm sure....no i understand the difference in chemical depression verses 'situational' depression...and again we don't have to agree, but do have to live with it...hopefully our OP will be successful in his appeal...and the interesting thing re: the OP they are fine having him AND his depression at a lower limit...just not bumping up his coverage...
_________________
"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr. |
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Lori
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Location: Missouri
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| Posted: Fri Jan 23, 2009 4:25 pm Post subject: |
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it makes sense... in a really crappy way, though. They think that when people with depression attempt to obtain additional insurance it is because they are possibly suicidal...
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Louise Jackson-Marquez
Jackson Financial
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jacksonfinancial
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| Posted: Fri Jan 23, 2009 11:56 pm Post subject: |
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If that's so and the policy has a 2yr ''suicide waiting period''  hopefully the mis guided ins. will have plenty of time to find things to be thankful for, and 2 yrs is a lot of time to change your mind...
_________________
"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr. |
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Lori
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Posts: 7541
Location: Missouri
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| Posted: Sat Jan 24, 2009 12:04 am Post subject: |
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lmao... hahaha, yeah, if it were that easy... actually like I said earlier, a lot of it has to do with how it was disclosed originally. The underwriters go off of MIB, pharamceutical records, and MVR AND whatever the writing agent tells them so they see things in black and white only...
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Louise Jackson-Marquez
Jackson Financial
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jacksonfinancial
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