May
28
2010
I need disability insurance. I’ve been declined by several companies due to a diagnosis of sleep apnea-hints?
Posted by: Alan in Obstructive Sleep Apnea, tags: apneahints, Been, companies, declined, Diagnosis, Disability, I've, Insurance, Need, Several, Sleep
The apnea diagnosis is so slight that I do not require treatment with a C-PAP machine. I’m surprised that I’ve been declined. Does anyone have any suggestions?
Entries (RSS)
May 28th, 2010 at 2:01 am
File an appeal or grievance, if it is non-threatening sleep apnea then they have no right to reject you.
May 28th, 2010 at 2:38 am
G O T O B E D
May 28th, 2010 at 3:08 am
Some sleep apnea’s are actually correctable with a simple surgical procedure. My friend actually did his during his lunch hour and then returned to work! Good luck!
May 28th, 2010 at 3:09 am
you already have disability insurance if you pay taxes. That’s what Social Security is for. Good luck collecting though, takes 5 years to get approved. You should start an savings account, make deposits instead of insurance payments. Then you will have enough money to last 5 years, if the need arises.
May 28th, 2010 at 3:34 am
You can’t appeal a denial of policy issuance, as there are no laws requiring that an insurance company ISSUE a policy. They can deny to issue for any reason.
Apnea tends to get worse, not better. So that’s one reason. Additionally, it’s usually accompanied by being overweight, which can be another decline reason.
Your best bet, is to try to get your doctor to reverse that diagnosis. OR, to get your disability coverage through a group plan, with your employer. That’s about it.
May 28th, 2010 at 3:43 am
My family have this health insurance – healthplans.my-age.net
As I know they can provide coverage with preexisting condition.