Does being at high risk for breast cancer affect insurance?

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StaceySue2U
StaceySue2U Member Posts: 281
edited January 2016 in High Risk for Breast Cancer

I was fortunate enough to have bought disability insurance on our RV when we got it, and then I had to use it when I got thrown from a horse and fractured my pelvis. I'm really glad I bought the insurance, as it's helping to pay the bills. At the same time that injury happened I found out I have atypical hyperplasia.

I'm just wondering if it's going to be difficult to buy disability insurance in the future, due to the new high risk diagnosis.

Does anybody on here have any experience with this?

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  • BrooksideVT
    BrooksideVT Member Posts: 2,211
    edited January 2016

    Your hyperplasia should not affect your insurability, but you will probably need to have completed treatment for your broken pelvis before you can apply.

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  • vlnrph
    vlnrph Member Posts: 1,632
    edited January 2016

    If you scroll way down, there is an employment/insurance forum where you might try posting this question. Rates may be higher due to certain conditions. Are you worried your current carrier may not allow renewal?

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  • StaceySue2U
    StaceySue2U Member Posts: 281
    edited January 2016

    I'm hoping to go back to work and most employers offer voluntary short term disability. I think getting it would definitely be a good idea, but wondering if they would consider atypical lobular hyperplasia as a preexisting condition if I came down with cancer, and then not pay if I got cancer.

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  • leaf
    leaf Member Posts: 8,188
    edited January 2016

    It may depend on the insurance company. I remember one woman who testified to Congress about legislation regarding pre-existing conditions many years ago. She had seen a doctor because she had a pimple on her breast. Then she got health insurance, then later on she got breast cancer. The insurance company wouldn't cover her breast cancer due to the pimple.

    I read in the newspaper of one nurse who was trying to get private health insurance. The company denied him health insurance because he had toenail fungus.

    I am guessing insurance companies have latitude. Some companies can be quite kind - when my brother-in-law died, the insurance company paid his estate life insurance even though he had not paid all of his premiums. Other companies, not so much.

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  • BarredOwl
    BarredOwl Member Posts: 2,433
    edited January 2016

    I think the original question was about Disability Insurance, for which I have no information.

    However, regarding Health Insurance, please note that what may have occurred many years ago in the US, may no longer be true now due to the provisions of The Affordable Care Act.

    http://www.hhs.gov/healthcare/about-the-law/pre-ex...

    http://www.hhs.gov/healthcare/facts-and-features/k...

    BarredOwl

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  • BrooksideVT
    BrooksideVT Member Posts: 2,211
    edited January 2016

    Your short term disability paperwork may or may not ask for medical history. If it does, your hyperplasia would not be an issue. At worst, they may exclude coverage for treating (removing) the hyperplasia.

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  • SpecialK
    SpecialK Member Posts: 16,486
    edited January 2016

    A lot of what disability insurance will or won't cover as far as pre-existing conditions is dependent of what you did/do about the condition prior to obtaining the policy.  If you have treatment, take medicines, have surgery for the condition, etc., the disability insurance company can apply a time constraint on paying benefits to you - say the broken pelvis - you were treated for this so disab ins may say no future claims until you have had the policy for 3 years after this treatment.  This would vary from company to company.  For something like hyperplasia, if you seek no meds or treatment specifically for it you should be able to get disability insurance in spite of the diagnosis.

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