How To Get Life Insurance If You're HIV positive
In the 70s or early 80s, contracting AIDS was a short term death sentence with no appeal.
A study by the National AIDS Treatment Advocacy Project in New York and the ATHENA National Observational Cohort Study in February 2010 found that the average life expectancy of people living with HIV has gone from 7 years in the 1990s to 24 years now. Provided they take their medications and follow a healthy lifestyle.
Insurance shoppers with HIV might get policies with an immediate death benefit in coverage amounts range from $10,000 to $250,000, if they meet
all of the following requirements:
- All applicants must be between the ages of 21 and 49
- The disease must have been contracted through sexual contact or accidental needle puncture
only.
- Applicants must be under treatment (with anti-viral or prophylactic medication) for a minimum of
nine months.
- All historical CD4 tests must be above 400.
- All historical viral burden readings must be below 20,000. If an annual average viral burden reading is available, the average must be below 5,000.
- Applicants must be otherwise insurable, with no other condition that would increase insurable
risk.
You may also qualify for a no questions asked burial insurance policy.
How do carriers find out your HIV status?
- Your insurance application
- Medical Information Bureau (MIB)
- Blood & urine test
- Your Insurance Agent's report
- DMV report
- Your doctor's file on you
- Physical measurements
- Medical interview
Other areas you may be able to get life insurance:
Your
employer may offer group life insurance that is automatically available to employees and will require no pre qualification or underwriting to be accepted.
Some policies pay out a percentage of your wages to the beneficiaries you name on the policy at the time of your death.
In addition to your employer group life insurance, check if your trade association or union offers life insurance coverage.
Contact an HIV AIDS case worker will be able to help you find programs that you would be qualified for if you express your desire to obtain life insurance. Many insurance companies are beginning to
include policies to HIV positive people since the effectiveness of the AIDS medications have created almost a normal life expectancy for infected individuals.
Visit your local social security office and they will be able to explain our benefits and give you the amount in which will be paid.
Related posts:
|
