life insurance rejection appeal form letter?

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PostPosted: Fri Jan 09, 2009 7:23 pm   Post subject: life insurance rejection appeal form letter?  

i need to write an appeal letter because i applied for more life insurance through my company and i was rejected due to 'medical information given on my application.' do life insurance companies reject everyone who takes anti-depressants? if so, there is a huge amount of our population who must not have life insurance. i do not believe it is good practice to deny someone who is responsibly managing their medical needs. can anyone help with a form letter? i have 60 days to appeal.

beanbun at gmail dot com

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PostPosted: Fri Jan 09, 2009 9:35 pm   Post subject: Declination  

You shouldn't be rejected just for taking the meds, but if you have a history of attempted suicide or if you have been institutionalized for depression, then you could be declined.



Write a letter requesting the exact reason for the declination. Once you find out post the answer here and we can guide you.



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PostPosted: Sun Jan 11, 2009 7:54 pm   Post subject:   

Aaron there is no 'form' letter that we can provide...follow the advise of the prior post...and please do let us know the 'reason' for this denial...be very clear in your letter or inquire that you would like to know the reason in detail for this refusal



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PostPosted: Mon Jan 12, 2009 12:39 am   Post subject:   

Is this a group life policy? If it is individual life, who is the carrier? What meds are you taking and how long have you been taking them? Any history of suicide attempts/institutionalization would have an effect on the underwriting.



Also, what state are you in? Any other medical conditions or borderline height/weight profile?

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PostPosted: Mon Jan 12, 2009 5:59 am   Post subject:   

Quote:
Is this a group life policy?




Well, I think one can't be denied of the coverage if its a group life plan. Is it correct?



Also, I got confused by the following statement made by the OP



Quote:
i need to write an appeal letter because i applied for more life insurance through my company and i was rejected due to 'medical information given on my application.'




OP, what do you mean by "my company"? do you already have a coverage through this insurer? have you been on medication at the time of taking out the plan?

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PostPosted: Mon Jan 12, 2009 6:37 am   Post subject:   

Yes, I think there are separate depression phases and if there's mention of some drugs then carriers do get skeptical at times.



Yes, there's a huge chunk of our population who have coverage restrictions for that matter. Now, you have not specifically shared with us as to what may have raised their eyebrows.


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PostPosted: Thu Jan 15, 2009 6:17 pm   Post subject:   

This doesn't really work if the OP never comes back.



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PostPosted: Fri Jan 16, 2009 1:40 am   Post subject: im back  

sorry for my absence after posting this. i was whisked away on a business trip. thanks to everyone who replied. it is a group life policy through my company. the medication is effexor and the 'diagnosis' was anxiety with depression. i left a message with my Dr asking her to write a letter with an explanation of my diagnosis. the LI company says that will accept that or a copy of medical records. we'll see what happens.

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PostPosted: Fri Jan 16, 2009 2:04 am   Post subject:   

Quote:
i need to write an appeal letter because i applied for more life insurance through my company and i was rejected due to 'medical information given on my application.' do life insurance companies reject everyone who takes anti-depressants? if so, there is a huge amount of our population who must not have life insurance. i do not believe it is good practice to deny someone who is responsibly managing their medical needs.




It all really depends on the particular insurance company and their established underwriting guidelines. You are correct, there is a huge amount of our population who cannot qualify for life insurance for several different reasons.



You make the comment that you don't think it is "good practice" to deny someone who is "responsibly managing their medical needs". Would this not also apply to AIDS or cancer patients? Life insurance companies just have to draw the line somewhere.



Quote:
i left a message with my Dr asking her to write a letter with an explanation of my diagnosis. the LI company says that will accept that or a copy of medical records. we'll see what happens.




Evidently there was no medical/paramedic exam completed during your insurance application process. Is that correct?



The life insurance company is obligated to give you the exact medical reason for your being declined.



The insurance companies with whom I work look at "anxiety" and "depression" very carefully, but there are cases when the policy can be issued at a standard or rated premium.



Maybe with your doctor's letter, the company will see your situation in a different light.



Good luck!


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PostPosted: Fri Jan 16, 2009 5:55 am   Post subject:   

Quote:
The insurance companies with whom I work look at "anxiety" and "depression" very carefully, but there are cases when the policy can be issued at a standard or rated premium.




Why so? is it because that people in depression tend to be suicidal? But as far I am aware that life insurance companies do cover death by suicides, or I know it wrong?

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PostPosted: Fri Jan 16, 2009 1:52 pm   Post subject: no exam  

you are correct, no, there was no exam involved. i already have insurance coverage of a minimal amount, i was aiming to increase the amount. thanks for your help.

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PostPosted: Fri Jan 16, 2009 4:09 pm   Post subject:   

I don't know what you are paying through your group or what the coverage amount is, but you should take into consideration what happens if you leave the company or were to be laid off. If the policy is through a group, the usual option is to convert it to a whole life policy (a very expensive one at that) or drop the coverage. Depending on your other health factors, you might be able to get cheaper or comparable coverage on your own and have it locked in for however long you wish. What state are you in?

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PostPosted: Fri Jan 16, 2009 6:17 pm   Post subject: good point  

thats a good point, i should check into that. i am in maryland.

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PostPosted: Sat Jan 17, 2009 2:24 am   Post subject:   

Quote:
But as far I am aware that life insurance companies do cover death by suicides, or I know it wrong?


Most policys will have a claus that allows them to not pay for a death by suicide for say the first two years of the policy...my state has no time limit rather it has to be proven the policy was purchased with the INTENT of commiting suicide...so suicide is paid all the time, it just depends if the time limit has elapsed or if it was purchased with the sole intent of commiting suicide, and then the ins company has to PROVE that intent.


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PostPosted: Sat Jan 17, 2009 10:23 pm   Post subject:   

After 2 years from the policy date, the carrier should not be able to challenge anything. Suicides included.



Aaron - if you are interested in the help of an agent to secure an individual policy, feel free to let me know (we are licensed in MD). If these types of posts are not allowed here, please delete. Thanks.

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