Guest guest Posted June 15, 2002 Report Share Posted June 15, 2002 Hi Dave, I don't have the answers for your questions but am in the same boat with my son with the same questions. He will be entering his last year of high school in Sept. and will also be 18 in Sept. As long as he is a full time student my insurance will cover him until he reaches his 24 birthday.........so as far as college goes, we are not giving him a choice which he is not happy about because he wants to go to a culinary arts school..........as far as insurance for him when I can no longer carry him, well, I am going to try to push him into a " civil service " job (as myself). I'm sure they would not disqualify him from hiring just because of his IgAN. I would think that he would still be able to obtain Life Insurance but more than likely at a higher premium. All the best to you and your son. Debbie in CA braveheart12019 wrote: > One of the things I thought of recently when considering things that > lie ahead for my son Mike, age 17.... ability to obtain life > insurance. Since he has now been officially diagnosed with IGA Neph, > is it impossible for him to obtain a whole life policy. We live in > New York state, if that has any bearing. > > Also, what about health insurance. He will graduate high school next > year and definately go on to college so we are ok under my plan for > at least the next 5 years. I work for the State of NY, anyone know if > he can be covered even after colleg since this was a pre-existing > condition. > > Thanks for any info > > Dave > > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted June 15, 2002 Report Share Posted June 15, 2002 I first was diagnosed at 17. I went thru college and got a job at a large corporate, where I've been employed for 15 years. I have great health and life insurance thru the company. Only problem is this, if I get layed-off, I'm SOL. I can get health insurance thru my wife's employer, but I believe at most employer's (including mine) before you can add a spouse to life insurance, one must show " proof of insurability. " Marty Son's future One of the things I thought of recently when considering things that lie ahead for my son Mike, age 17.... ability to obtain life insurance. Since he has now been officially diagnosed with IGA Neph, is it impossible for him to obtain a whole life policy. We live in New York state, if that has any bearing. Also, what about health insurance. He will graduate high school next year and definately go on to college so we are ok under my plan for at least the next 5 years. I work for the State of NY, anyone know if he can be covered even after colleg since this was a pre-existing condition. Thanks for any info Dave Quote Link to comment Share on other sites More sharing options...
Guest guest Posted June 15, 2002 Report Share Posted June 15, 2002 Thanks for the info Marty.. age 17, you and Mike have something other than IGA in common. Have been folowing your postings and it sounds like things are going quite well after your transplant. Keep it up. By the way, has the Americans with Disabilities Act had any impact for persons with kidney disease ? thanks again Dave __________________________________________________ Quote Link to comment Share on other sites More sharing options...
Guest guest Posted June 15, 2002 Report Share Posted June 15, 2002 Dave, I have the same concerns. My son, , is 17, and also has been diagnosed with IgAN a year and a half ago. I worry about what will happen to his health when he goes off to college. Pam > One of the things I thought of recently when considering things that > lie ahead for my son Mike, age 17.... ability to obtain life > insurance. Since he has now been officially diagnosed with IGA Neph, > is it impossible for him to obtain a whole life policy. We live in > New York state, if that has any bearing. > > Also, what about health insurance. He will graduate high school next > year and definately go on to college so we are ok under my plan for > at least the next 5 years. I work for the State of NY, anyone know if > he can be covered even after colleg since this was a pre-existing > condition. > > Thanks for any info > > Dave Quote Link to comment Share on other sites More sharing options...
Guest guest Posted June 15, 2002 Report Share Posted June 15, 2002 My son was diagnosed at 13 and is now 22 (transplant last summer). Our understanding is that in the USA, he needs to be very careful to maintain continuous health insurance coverage. As long as he does that, he can¹t be denied due to a pre-existing condition. He¹s currently on my coverage, but if he doesn¹t have his own coverage when he is no longer eligible for mine, then we¹ll have to pay for COBRA coverage for 18 mo. or however long it goes and hope he can get coverage through a job. He has Medicare for secondary coverage for 2 1/2 years after the transplant, then for 6 mo. only it becomes his primary coverage. At the transplant center, they emphasized that he must maintain continuous coverage, even for this 3 years when he also has Medicare. As far as life insurance, I think he¹ll have to hope to get coverage through a job and then if he leaves that job, he might be able to convert the life insurance and pay for it himself. All this does limit the sort of things he can do, career-wise. Probably starting his own business is out insurance would be too expensive, although in Colorado where we live, there is a high-risk insurance pool provided by the state for people who can¹t get health insurance otherwise. It¹s still fairly expensive though and is basically just a ³major medical² type policy. Betsy > One of the things I thought of recently when considering things that > lie ahead for my son Mike, age 17.... ability to obtain life > insurance. Since he has now been officially diagnosed with IGA Neph, > is it impossible for him to obtain a whole life policy. We live in > New York state, if that has any bearing. > > Also, what about health insurance. He will graduate high school next > year and definately go on to college so we are ok under my plan for > at least the next 5 years. I work for the State of NY, anyone know if > he can be covered even after colleg since this was a pre-existing > condition. > > Thanks for any info > > Dave > > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted June 16, 2002 Report Share Posted June 16, 2002 In a message dated 6/15/2002 6:34:11 PM Central Daylight Time, zahep@... writes: > My son, , is 17, and also has > been diagnosed with IgAN a year and a half ago. I worry about what > will happen to his health when he goes off to college. Pam > > If it's any comfort, I managed to (just barely) finish a BA degree on what little function I had left at that age. I was diagnosed at 19, although I knew I'd had problems for two years before that. Just make sure has good docs on deck. Robin s Quote Link to comment Share on other sites More sharing options...
Guest guest Posted June 16, 2002 Report Share Posted June 16, 2002 Hi, I saw your message about health insurance and life insurance and whether your son can get it or not. I live in NY state as well. I haven't been able to get life insurance, but I was able to get health insurance on my own. I actually started up my own business about 2 weeks after I was diagnosed, and obtained health insurance for myself and my wife through my company approximately 4 months after I started it. I don't see any reason why your son should be turned down for health insurance. Life insurance on the other hand seems to be a different matter. Quote Link to comment Share on other sites More sharing options...
Recommended Posts
Join the conversation
You are posting as a guest. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.