My life insurance wont cover me for multiple sclerosis as my mother has it but I thought it wasnt hereditary?
Posted in Individual Health InsurancePosted: October 26th, 2009 at 9:55 pm |
Print This Post
Help others find this article at:
del.icio.us Digg Furl Reddit Google Technorati














October 26th, 2009 at 9:56 pm
You need to take a good look over your plan with a friendly lawyer,if your close to any like one in the family type of thing give them a ring.If not you and your doctor have to take off the gloves and fight.My doctors have had to a few time for me it pays to be pushy when it comes to your insurance.
The real cause of multiple sclerosis has not been determined yet. It is an autoimmune disease affecting the central nervous system, causing the destruction of the supportive structures of the CNS and subsequent deterioration of the function of the brain. There are many speculations about the real causes of the disease but no real connection has been found between factors that may cause it and the disease itself. For now we cannot say that the disease itself is hereditary, but the studies among many families have shown that the prevalence for the disease can be hereditary. The research has also shown that most affected are Caucasian women between 15 and 35 years of age. That doesn’t mean that it cannot affect other races. Also, although black Africans have almost no MS, African Americans have incidence of MS that is very close to Caucasians. It is still thought that causes of multiple sclerosis are in the environment, so people living in the continental, European climate are more likely to get the disease then those living in other areas of the world, no matter what heir origin is. I can’t tell you much about your chances for getting multiple sclerosis but the according to the research the possibility might be up to 20 %. If youre experiencing any symptoms of MS or have any other question about it be sure to consult your physician. So basically they dont know if it is or not.
October 26th, 2009 at 9:56 pm
Ask them - apparently what you thought isn’t true.
October 26th, 2009 at 9:56 pm
Insurance companies are always trying to get away with paying out. I don’t know if Ms is hereditary or not but I am sure you could ask your doctor if you are worried about it. If you live in the UK you could phone National Health direct on 0845 4647 and speak to someone there, they are very helpful. I would try another insurance company if it is not hereditary.
October 26th, 2009 at 9:56 pm
We are constantly learning more about MS. MS is an autoimmune disease. The genetics part is that a parent may pass on the predisposition for an autoimmune disease to their child. Doesn’t mean it will be passed on. Doesn’t mean that if it is passed on that anything (like a virus) will ever trigger the autoimmune response.
That being said, if you have a family member with MS you have a higher chance of developing it than someone without MS in the family. But again, doesn’t mean you will. One relative having it, you have about 1-3% chance. I have two relatives (mom and maternal aunt) so I had about 10% chance.
My insurance company was going to cover me, but they took over 3 mo. from the time they said they’d cover me until the they got me the paperwork, and in the mean time I was diagnosed with MS and they wouldn’t take me.
Even though I am healthy with no detectable problems (I feel guilty when I got to neurologist), I can’t get any coverage. I finally signed up for accidental death coverage, since I’m more likely to die that way than from this disease.
While most places flat out say no (even though MS won’t kill you), some places say they’ll review you again in 3 years. So I’ll try back then <fingers-crossed>.
October 26th, 2009 at 9:56 pm
Something sounds a little strange here.
Are you saying that you currently have a policy that doesn’t pay if you die from MS or are you looking at a company that won’t issue a policy because your mom had MS?
If you have bought the policy then they can exclude any cause of death that they want as long as they put it in the policy. You are essentially agreeing to it if they put it in the policy. Read over your policy and see if they can exclude death from MS.
If you can’t get coverage because of this, then I think you need to go to another company. You need to find an agent that represents multiple companies and knows the underwriting guidelines of those companies really well. I would think there will be many companies that will sell you a life insurance policy even if your mom has MS.
October 26th, 2009 at 9:56 pm
what the hell?
which country are you in?
November 17th, 2009 at 4:35 am
In 2 months of taking Vimax Pills I managed to gain 1.5 inches! My sexual desire increased greatly as well as my erections became fuller and longer lasting…
January 8th, 2010 at 6:11 am
I love this site sakura imgboard pthc qmvgc pthc sister 8OO aaa pthc %P pthc 15 :O pthc cp bbs girls kds mguxc puretop pthc 543 pthc sex gallery vsjx pthc rar downloads >:-]] pthc search virginz ygold =-[ pthc fuck cp 8[[[
January 18th, 2010 at 10:55 pm
comment2, celebrex absorption, full information levitra, fda and acomplia, Vibramycin Monohydrate, buy klonopin, levitra, replica watches, accutane and diabetes, topamax and weight loss, zyprexa online, credible online cialis, viagra uses elderly, viagra online,
February 5th, 2010 at 3:28 pm
2, Online Prescription For Valium, 3769, What Is The Ingredients Of Valium, >:-]], Maximum Safe Valium Doseage, 12675, Tramadol Canada Dosage Feline, 349, Valium Wikipedia, rjw, Xanax Physica Description, 3220, Drug Reactions Between Phentermine And Metabalife, flzn, Pharmaceutical Classification Of Ultram, uub, Valium By Watson, >:-[[[, Phentermine Mexico, %-OO,
February 8th, 2010 at 11:19 am
comment2, adobe photoshop cs2 version 9, discount Corel XMetaL Author 4.0, adobe illustrator lessons, , san juan capistrano adobe huts, adobe premier classes in california, excel opening adobe file, adobe photoshop elements version 3, adobe photoshop crop, adobe acrobat pro9, used adobe creative suite cs3 design premium, adobe-bricks-for-sale, dreamweaver flash layer tranparency, adobe acrobat download, flowers adobe, buy cheap Adobe Photoshop Album 2.0, adobe aftereffects free downloasds, , touch up text tool adobe, adobe audition fourm, adobe 7 download, free install of adobe acrobat reader, adobe flash cs low prices, free latest adobe, discount Adobe InDesign CS, cheap StorageCraft ShadowProtect 3.1 Desktop Edition, mac adobe flash cs3 key, adobe acrobat 8 professional access codes, adobe flash ripper, adobe showcase,
February 10th, 2010 at 5:52 pm
5, Mylan A Xanax, 710746, Ambien Generic Brand, fzkah, Order Phentermine At Rassellueban Org, fun, Xanax And Texas Drug Schedules, 039, We To Buy Phentermine, tzb, Valium Fetus Side Effects, :O, Dosing Zyrtec, xuecnl, How Much Phentermine Is Too Much, >:[, Health Benefits Of Phentermine, 49200, Does Tramadol Work For Pe, knyde,
February 10th, 2010 at 7:30 pm
2 canada discount celexa
February 12th, 2010 at 2:33 am
9, marijuana leaf pics, pclii, cyclobenzaprine wikipedia the free encyclopedia, shm, phentermine carisoprodol phenthermine yellow, 8-(, compare prednisone and methylprednisolone, 8-PPP, marijuana seeds gfs industries, :-], high alcohol tequila, eawi, pravachol aciphex cardizem cd trazodone, 95589, cipro do’s don’ts, :))), combination of lipitor and zocor, 8-)), alcohol treatment iowa city ia, kiuhg,
February 13th, 2010 at 5:28 am
9, Cheap Phentermine Blue No Prescription, wxo, Ambien Linked To Skin Cancer, 5706, Tramadol Chemistry, 842, Diet Ingredient Phentermine Pill, =)), Cheapest Shops Selling Phentermine Poker Forums, 680, Valium Mg, qgdy, Zyrtec Tabs Used For, 735737, Reveiw Of Phentermine, 8]]], Ultram Order Prescription Tramadol Mg Tablets, 8[, Ld50 Xanax, 661065,
February 17th, 2010 at 8:18 am
3, Royal Rive Casino, 368755, CASINOS ONLINE, 28125, Gambling Blocker, >:-DD, Dirty Jim’s Championship Poker Series, 309, World Internet Championship Poker Tour, 8-O, Onlinegambling Wsop Roulette Pokerchips, 213, Build Card Tables Poker, 7603, Strip Roulette Online Game, zds, Sunday Brunch Tunica Casinos, 579, Play Internet Bingo Game, 114,
February 17th, 2010 at 3:37 pm
4, cell phone usage car insurance rates, frfmj, student poetry digging, 77875, bad credit unsecured creit cards, dajhw, buy phentermine and ship to arkansas, 8]], wales lucky car insurance, %-]], student life washington university, 8-))), apt classified ad with credit card, nxlho, ortho tri cyclin lo0, :((, insurance car companies in canada, ryke, a class divided and former student, >:-DDD,
February 19th, 2010 at 1:58 pm
comment6, zebra lp2844 mac, %-DDD, zebra z4m driver, 156342, zephyr ipa download, fcxj, zerfliesse mein herze sheet music, xozyu, zero g vocaloid torrent, :OO,
February 26th, 2010 at 1:05 pm
5, Poker Nicknames, >:OO, Marine Bonus $20.000, 8-(, Casino Royale 76015, 178, Joshua Tree Desert Poker Run, 448, Tim Donohue Poker, 370197, Wii Poker 2007, %-[, Poker Confidence, 8PPP, Majestic Star Casino Pennsylvania Phone Nuymber, 8)), Keno Picks, 8-(((, Oneida Bingo Casino Green Bay, =-(,
February 28th, 2010 at 9:08 pm
2, My Gaming Ladder Nulled, leoamn, Maniac Pass Network Bonus Content, >:], Bingo Theatre Twin Cities, oecr, Samsung Blackjack Turn Off Certain Time, 68706, Photshop Topsecret Bonus, 2066, Hoyle Casino 5 Cheat Codes, 5269, Free Poker Saterday Mn, hwfue, Coke Bonus Pack, %DDD, Neue Stadt Casino Zaha Hadid, kuzk, Teen Problem Gambling, >:],
March 5th, 2010 at 6:18 am
3 cheap online valium
March 5th, 2010 at 8:30 am
6, Xanax And Sezuires, %-[, Cheapest Shops Selling Phentermine Poker Forums, 8]], Symptoms Which Valiums May Help, 781665, Phentermine Overnight No Prescription Legal Legal, hyuof, Phentermine Pill Vs Capsules, 500484, Phentermine Online Buy, >:-DDD, Cheap And Easy Xanax Prescription, cxak, Ambien Directions, %-], Chantix And Ultram, :[[[, Zyrtec Over The Counter Drug, :-],
March 5th, 2010 at 7:38 pm
8, Valium Dosages For Dogs, tlly, Active Ingredients In Ambien, ckjr, Tramadol And Prozac Interactions, 808, Valium, unxlmo, Buy Phentermine Online Frequently Asked Questions, 16409, Ambien Cr Dependency, ueai, Ambien And Suicide, =-D, Ambien Horror Stories, 8OOO, Maximum Dosage Of Zyrtec, >:PPP, Buy Xanax Mg Xanax Online, lyd,
March 6th, 2010 at 11:08 am
1, 2mg Xanax Bars No Prescription, 4548, Phentermine Erection Supplements Brain, =-DD, Phentermine 30 Mg C Iv, >:-O, Half-life Ambien Zolpidem, 2516, Letal Cose Of Xanax, :-P, Xanax Stage Fright, :-), Feet Phentermine, =))), Ambien Symptoms, 18313, Tramadol Drugscreen, 7213, Xanax Bar Laws, durzm,
March 7th, 2010 at 7:42 am
8, Drug Interactions With Alprazolam, 043, Ambien Allergy, pdod, Border Fioricet, bvl, Phentermine Cash On Deliv, 8690, Tramadol Vs Vicodin, wznksu, Ultram Not As Effective, >:P, Valium Overnight Delivery London, 197, Asian Xanax, %-(, Anaerobic Infection Atrophic Rhinitis Ozena Zithromax, 8-OO, Zyrtec Find Information On Zyrtec, crfq,
March 8th, 2010 at 6:51 pm
4, Alprazolam For Dog, :-DDD, Celexa Ambien Without Presciption, 8-[, Order Fioricet No Prescription 120 Qty, 759403, Purchase Phentermine Prescription, rabtp, Canine Tramadol Side Effects, >:[, Ultram Versus Vicodin, bcxdix, Buy Valium Online Secure Site, >:P, Methadone And Xanax Combination, 225813, Zithromax Acne, =-[, About Zyrtec, 381286,
March 11th, 2010 at 4:48 pm
0, ambien weed high, yfal, drug smtp ru ultram, >:-(, buy marijuana on line, jxxtph, buying online ultram, dnrtg, cocaine eric clamton, =-PP, generic ritalin sr, eer, west cork cocaine, :-PPP, marijuana cultivation in maine, 4720, alcohol syndrome withdraw, cfs, information about drugs and alcohol, =O,
March 14th, 2010 at 9:24 am
7, Ultram Lexapro, 283275, Buy Valium No Rx, =-DD, Lexapro And Xanax Taken Together, >:OOO, Side Affects Of Zyrtec, fghm, Prescription For Alprazolam, >:]], Ambien Cr No Prescription Cr, oszzl, Using Fioricet Recreationally, >:-))), Phentermine Without Calling My Doctor, 271, Ultram Nasel, 8-]], Drug Withdrawal Valium, ylb,