denied Long Term Care Insurance

[Guest guest]

Marti,

I was denied at first also, due to (lol) 'Charcot foot', not Charcot

Marie Tooth Disorder. I asked for reconsideration due to the fact I

wanted to have my doctor write something and if necessary, make tests

and medical files available. There was NO CMT description in the plan of

numerous conditions that would not be eligible. I fought this and

finally won.

I have a private plan - underwritten by Blue Cross. I am in the

process of re-evaluating my needs with LTC and exploring other

avenues, since I am 50 now and a member of AARP (lol) I am looking

for group plans within their membership.

It seems like you are being discriminated because the insurance underwriters

do not understand CMT.

So, appeal this, whether you go to HR first, or to the underwriter to

ask for reconsideration and a medical review. Here's a link to other

underwriters if you need it http://www.hiaa.org/consumer/ltcdirec.cfm

~ Gretchen

[Guest guest]

Marti, unfortunately, long term care insurance is an individual

coverage which is always medically underwritten. The underwriters

apparently believe that there is a greater chance that you will

someday require LTC care, and they aren't willing to take that chance.

I'm not trying to justify that decision; I'm just telling you

how they work. Underwriting is " insurance-ese " for discriminatory,

and they are permitted to pick and choose who they wish to

insure based on current health and health history and how it may

predict future medical problems.

I seriously doubt that you will find any carrier willing to

accept you. I'm sorry.

Jacques

http://www.helpwithbenefits.com

CHAMBERS BENEFITS CONSULTING

Jacques Chambers, CLU

Benefits Consultant & Counselor

2658 Griffith Park Blvd. #290

Los Angeles, CA 90039-2520

323-665-2595 888-739-2595

[Guest guest]

I was refused long term insurance when I was 54 yrs old from

Metropolitan Life Ins. Co. I am now 77 yrs old....23 yrs ago.

I keep getting requests to buy long term ins. in the mail, but

when I call and tell them about CMT, they cannot sell it to me.

Some of us do need a lot of care as our age increases and they

do think we are a risk.

Jeanann