by aaron3313 » Fri Jan 09, 2009 07:23 pm
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
beanbun at gmail dot com
Posted: 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.
Posted: Sun Jan 18, 2009 01:13 pm Post Subject:
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)Posted: Fri Jan 23, 2009 05:58 am Post Subject:
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.
Posted: Fri Jan 23, 2009 11:46 am Post Subject:
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 thoughtPosted: Fri Jan 23, 2009 01:15 pm Post Subject:
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.
Posted: Fri Jan 23, 2009 01:31 pm Post Subject:
I hear dat!
I don't necessarily agree with everything
we just have to live with it and take the heat :roll: :wink: 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...Posted: Fri Jan 23, 2009 04:25 pm Post Subject:
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...
Posted: Fri Jan 23, 2009 11:56 pm Post Subject:
If that's so and the policy has a 2yr ''suicide waiting period'' :lol: 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...
Posted: Sat Jan 24, 2009 12:04 am Post Subject:
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...
Posted: Wed Aug 04, 2010 04:06 pm Post Subject: reconsideration for life ins
declined due to phone interview about relocating out of the country to work for a year or so.
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