Re: Afib & Long Term Care Insurance

[Guest guest]

I obtained long term care insurance after I had been diagnosed with Afib,

but the conditions were that I hadn't had an episode in a year and that I

was on Coumadin. Fortunately, at the time, I was able to meet those

conditions.

Brenta

Afib & Long Term Care Insurance

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> Does anyone know whether afib would disqualify a person from buying

> long term care insurance? I suspect it would, but don't know for

> certain. And if it does, I wonder if having an ablation and being in

> NSR for several months or a year would change that.

> Ed in VA

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> Web Page - http://www.afibsupport.com

> List owner: AFIBsupport-owner

> For help on how to use the group, including how to drive it via email,

> send a blank email to AFIBsupport-help

>

> Nothing in this message should be considered as medical advice, or should

> be acted upon without consultation with one's physician.

>

[Guest guest]

I don't know if this is true for everyone but I know that it has caused me to

be turned down at least once. I am trying another company right now. If this

fails, I will be look into entering into a " high risk " pool and see if it is

worth my time and money or if I should just prepare myself to go on Medicaid if

and when the time comes and when all my assets are eaten up.

Sharon in El Paso

[Guest guest]

Dave, Brenta, Sharon - Thanks much for your input on this question.

I do in fact have some long term care insurance, purchased well

before the afib occurred. But it's really not sufficient in the area

we live in -- Wash. DC suburbs -- and my wife worries about it. Your

info encourages me to look into adding to it. My 91-year-old mother

is in a long term care facility now after a stroke. Sure brings it

home to you in a hurry.

Ed in VA

[Guest guest]

In a message dated 1/16/2005 7:04:10 P.M. Central Standard Time,

esmock@... writes:

Does anyone know whether afib would disqualify a person from buying

long term care insurance? I suspect it would, but don't know for

certain. And if it does, I wonder if having an ablation and being in

NSR for several months or a year would change that.

Ed in VA

I was rejected for long term care simply because I take coumadin. I guess

it's because there is an implied stroke risk.

Guy

[Guest guest]

In a message dated 1/16/2005 7:31:39 P.M. Central Standard Time,

bdavis66@... writes:

I obtained long term care insurance after I had been diagnosed with Afib,

but the conditions were that I hadn't had an episode in a year and that I

was on Coumadin. Fortunately, at the time, I was able to meet those

conditions.

Brenta

Isn't that weird? Like I said in an earlier reply, I was rejected because I

take coumadin. It apparently made no difference that I take it because of

afib.

Guy

[Guest guest]

Guy, I think lots of insurance companies are kind of weird! Each seems to

have their own unique criteria to avoid having to pay! By the way my LTI is

with Hancock.

Brenta

Re: Afib & Long Term Care Insurance

>

>

> In a message dated 1/16/2005 7:31:39 P.M. Central Standard Time,

> bdavis66@... writes:

>

> I obtained long term care insurance after I had been diagnosed with Afib,

> but the conditions were that I hadn't had an episode in a year and that I

> was on Coumadin. Fortunately, at the time, I was able to meet those

> conditions.

> Brenta

>

>

> Isn't that weird? Like I said in an earlier reply, I was rejected because

> I

> take coumadin. It apparently made no difference that I take it because of

> afib.

> Guy

>

>

>

[Guest guest]

Hello Ed in VA. I have AFIB and I am in the insurance business. The

best way for you to get long term care is through your employer if

possible, because if they support a group contract, the employees

would be able to get it without answering any medical questions. If

you are looking for an individual contract, here is how one carrier

(Guardian/Berkshire) would underwrite it:

- History of AFIB, not on medication - preferred issue

- Currently on medication - could be issued standard or could be

declined. Standard issue is two notches below preferred, so your

premium would be higher

- Described as chronic - declined

Good luck!

Diane in MI

>

> In a message dated 1/16/2005 7:04:10 P.M. Central Standard Time,

> esmock@c... writes:

>

> Does anyone know whether afib would disqualify a person from

buying

> long term care insurance? I suspect it would, but don't know for

> certain. And if it does, I wonder if having an ablation and being

in

> NSR for several months or a year would change that.

> Ed in VA

>

>

>

> I was rejected for long term care simply because I take coumadin. I

guess

> it's because there is an implied stroke risk.

> Guy

>

>

>

[Guest guest]

>

> Hello Ed in VA. I have AFIB and I am in the insurance business.

The

> best way for you to get long term care is through your employer if

> possible> Good luck!

> Diane in MI

Diane - Thanks for your reply. I am eligible for the federal

employees long term care insurance. But the open season is over.

Now I have to qualify. Just looking for some guidance.

Ed in VA