Can't get life insurance - Tilted Forum Project Discussion Community

anleja · 09-23-2003, 03:23 PM

Now that I have a 9 month old daughter, I thought it'd be a smart move to get life insurance, just in case. Anyway, I've tried to get quotes from a few places, and all denied me due to the fact a couple years ago I took Paxil for 4 months. Does anyone know a place that won't deny me due to this? If it matters, I think the doctor misdiagnosed me, labeling me as severely depressed after asking me 12 questions. I was going through a relationship problem, my stress from that was indicated on the test. Now because some guy wanted to give me the easy solution to my problem I can't get life insurance.

I was thinking about lying about my medical records, since they are confidential, but I fear the truth may come to light if I die and my daughter would get nothing. Can anyone help me with this? Thanks.

yournamehere · 09-24-2003, 09:26 AM

I knew that the really good deals out there had very strict qualifications, but I wasn't aware that treatment for depression would get you disqualified for most insurance.

Have you tried a lot of companies, or are you just searching the internet for the best deals?

If you truly believe you're not clinically depressed - have another doctor evaluate you, and be sure to show his report to any insurance agent.
No competent doctor would make a diagnosis based on 12 questions; a referral to a specialist, perhaps - but not a diagnosis.

If you're really concerned - do what the insurance companies do - start investing money in an account in your daughter's name, and make a deposit every month - the interest will start adding up. Granted, it's not the same if you die young - but if you don't, and she grows up to be self-sufficient, then you've got yourself a nice retirement fund started.

Harshaw · 09-24-2003, 09:50 AM

Ok, this is kind of a long shot, but I figured I would drop in my two cents. You might want to contact the American Psychological Association (www.apa.org) or your local Psychological Association (http://www.apa.org/practice/refer.html). They won't be the ones to offer you life insurance, but they might be able to point you in the right direction. I'm not 100% sure who you would want to contact to ask this information, but they do have quite a list of people you could ask.

Insurance for people who have had mental disorders is a big issue in the APA. The other option might be email a professor at a nearby university. You would want to email a professor of clinical psychology. I don't know that ANY of these people are going to be able to help you out. But they will be much more versed in this issue.

Hope this helps.

edit: You may also want to talk to your Human resources manager at work. Just about every job I have had has forced some sort of Life insurance on me.

tinfoil · 09-24-2003, 10:57 AM

Sorry to threadjack, but your plite perfectly highlights the current medical industry.

My sister was diagnosed as bipolar which seems to be the latest catch-all for proffesionals who are unable to find a cause for someone's mental state.

After nearly a year of heavy medication, she was given a second opinion. She had a severe case of post-partum depression and nothing more. She is off the meds and it just as she was before the depression.

Ok, back to your thread.

clavus · 09-24-2003, 11:32 AM

Lie. Don't give them the name of your doctor, etc.

Three years after the policy is written, the insurance company will not be able to contest it, regardless of your medical history.

You have a moral problem with the lie? Ask yourself this question: Would I lie to ensure my child was fed and clothed? There's your answer.

anleja · 09-24-2003, 07:58 PM

These are some great answers. Thanks all for taking the time to help me out.

Francis · 09-26-2003, 07:38 AM

anleja

i work for a state insurance dept and have 25 yrs. experience..that being said, if you are employed you may opt for life insurance during the open enrollment period where you work. this is done without evidence of insurability. barring that, you might just wait a couple more years to apply for individual coverage since the questions asked generally only go back a few years and your use of the prescription will be past the experience period. good luck

09-23-2003, 03:23 PM	#1 (permalink)
anleja disconnected Location: ignoreland	Can't get life insurance Now that I have a 9 month old daughter, I thought it'd be a smart move to get life insurance, just in case. Anyway, I've tried to get quotes from a few places, and all denied me due to the fact a couple years ago I took Paxil for 4 months. Does anyone know a place that won't deny me due to this? If it matters, I think the doctor misdiagnosed me, labeling me as severely depressed after asking me 12 questions. I was going through a relationship problem, my stress from that was indicated on the test. Now because some guy wanted to give me the easy solution to my problem I can't get life insurance. I was thinking about lying about my medical records, since they are confidential, but I fear the truth may come to light if I die and my daughter would get nothing. Can anyone help me with this? Thanks.

09-24-2003, 09:26 AM	#2 (permalink)
yournamehere Invisible Location: tentative, at best	I knew that the really good deals out there had very strict qualifications, but I wasn't aware that treatment for depression would get you disqualified for most insurance. Have you tried a lot of companies, or are you just searching the internet for the best deals? If you truly believe you're not clinically depressed - have another doctor evaluate you, and be sure to show his report to any insurance agent. No competent doctor would make a diagnosis based on 12 questions; a referral to a specialist, perhaps - but not a diagnosis. If you're really concerned - do what the insurance companies do - start investing money in an account in your daughter's name, and make a deposit every month - the interest will start adding up. Granted, it's not the same if you die young - but if you don't, and she grows up to be self-sufficient, then you've got yourself a nice retirement fund started. __________________ If you want to avoid 95% of internet spelling errors: "If your ridiculous pants are too loose, you're definitely going to lose them. Tell your two loser friends over there that they're going to lose theirs, too." It won't hurt your fashion sense, either.

09-24-2003, 09:50 AM	#3 (permalink)
Harshaw Is mad at you. Location: Bored in Sacramento	Ok, this is kind of a long shot, but I figured I would drop in my two cents. You might want to contact the American Psychological Association (www.apa.org) or your local Psychological Association (http://www.apa.org/practice/refer.html). They won't be the ones to offer you life insurance, but they might be able to point you in the right direction. I'm not 100% sure who you would want to contact to ask this information, but they do have quite a list of people you could ask. Insurance for people who have had mental disorders is a big issue in the APA. The other option might be email a professor at a nearby university. You would want to email a professor of clinical psychology. I don't know that ANY of these people are going to be able to help you out. But they will be much more versed in this issue. Hope this helps. edit: You may also want to talk to your Human resources manager at work. Just about every job I have had has forced some sort of Life insurance on me. __________________ This too shall pass.

09-24-2003, 10:57 AM	#4 (permalink)
tinfoil Fucking Hostile Location: Springford, ON, Canada	Sorry to threadjack, but your plite perfectly highlights the current medical industry. My sister was diagnosed as bipolar which seems to be the latest catch-all for proffesionals who are unable to find a cause for someone's mental state. After nearly a year of heavy medication, she was given a second opinion. She had a severe case of post-partum depression and nothing more. She is off the meds and it just as she was before the depression. Ok, back to your thread. __________________ Get off your fuckin cross. We need the fuckin space to nail the next fool martyr.

09-24-2003, 11:32 AM	#5 (permalink)
clavus pow! Location: NorCal	Lie. Don't give them the name of your doctor, etc. Three years after the policy is written, the insurance company will not be able to contest it, regardless of your medical history. You have a moral problem with the lie? Ask yourself this question: Would I lie to ensure my child was fed and clothed? There's your answer. __________________ Ass, gas or grass. Nobody rides for free.

09-24-2003, 07:58 PM	#6 (permalink)
anleja disconnected Location: ignoreland	These are some great answers. Thanks all for taking the time to help me out.

09-26-2003, 07:38 AM	#7 (permalink)
Francis Tilted	anleja i work for a state insurance dept and have 25 yrs. experience..that being said, if you are employed you may opt for life insurance during the open enrollment period where you work. this is done without evidence of insurability. barring that, you might just wait a couple more years to apply for individual coverage since the questions asked generally only go back a few years and your use of the prescription will be past the experience period. good luck