When did you attempt to increase your life insurance....

comingtoterms

I was diagnosed in January, 2009. I need to increase the amount of my group life insurance but I am afraid to answer those "three simple questions"!  Do I open a can of worms, or do I wait another year in the hope that it won't "red flag" me? They can't drop me, but they could deny an increase if they want! What did you do? I am a teacher and have insurance through NYSUT (New York State teacher's union) Thanks! Tammy

2miraclesmom

I am wondering kind of the same thing. I lost mine during treatment. It was just one of those things that did not get paid. So my question is will I ever be able to get life ins again? Like you it is those simple questions that have me concerned. I hope you get your question ansered soon.

bevin

I was 1 year out and tried to increase it and was denied.  I understand, once you are 2 years out generally you can get an increase. Not sure if thats true, I'll try again this year once its group enrollment time.

jwilco

I was told I had to wait five years after diagnosis. 

comingtoterms

Thank you, all! Keep the info coming!

jacee

I was told 4 years after my last treatment, which will be a long time since I will be on Femara another 2 1/2 years.

odie16

I had heard you have to be NED for 5 years.....

comingtoterms

So, has anyone else attempted an increase and been denied? If so, what was the reason given? Do you think it throws up a red flag to do it before 5 years?

Bren-2007

I was also told you had to be cancer-free for five years.

Maybe you can talk to someone in Human Resources who will have the answer.  But all independent insurance companies say you must have five years since diagnosis.

Best of everything to you,

Bren

wrsmith2x

Ned for five years unless you've had a recurrence and then it is ten years.