Now that I am all done with treatments, and I AM totallt healthy and cancer free by the way, I am having a heck of a time getting a job. I have been aplying for everything from working in surgery to gas stations. I actually even have picked up some fast food apps. I start school next month, and I need a job. I have been living on saving this whole time I've been on treatments. Money is out!
K, I heard today, that a lot of employers will not hire you because of cancer history!
Or whatever health issues you may of had for insurance reasons. I heard that thier insurance goes up whenever they hire a person with a history like mine!
What the heck should I do? And is that true???
2006-09-13 15:44:10 · 9 answers · asked by chandrad 1 in Business & Finance ➔ Insurance
How do the employers know about your cancer?? I certainly would NOT be telling them about it, it's not relevant!
As an employer, I don't think that would bother me, someone your age who's a cancer survivor. But I WOULD be hesitant to hire someone who gives me WAY too much personal information - such as their health history. If they ask you why you had XYZ with no employment, just tell them that it was a personal leave for health reasons, and the issue has been resolved.
2006-09-14 01:42:34 · answer #1 · answered by Anonymous 7 · 0⤊ 0⤋
You didn't clarify whether you're a US resident or not; my answer will assume you are.
1) You are under NO legal obligation to tell your employer about your health history prior to or after being hired. PERIOD.
2) Methods of calculating group premium rates for differ from state to state, due to variations in insurance law. Most states, however, do not permit an insurer to impugn claims expenses to any particular small employer group; instead, the claims losses of all such groups are considered. So, while one small employer may have several very sick employees, this is averaged out by the majority of other small employers that have healthy employees. Large groups are rated according to claim expenses, but because of the huge number of people paying into the pool of premiums, this isn't as noticable as you might think.
Self-funded groups, on the other hand, are rated differently and employees do have to disclose health conditions in restricted circumstances. These types of groups are "uninsured," with the employer bearing the financial risk if more claims are paid out than premiums are paid in. An employer that self-funds its coverage CANNOT dismiss an employee due to claims filed; this would violate ERISA.
Bottom line: apply for whatever job you want and don't worry about the premium issue. Think about your health.
I hope this helps.
2006-09-14 08:00:56 · answer #2 · answered by Suzanne: YPA 7 · 0⤊ 0⤋
Ok, tricky! Here's the thing... you can not with hold the information that you are a cancer survivor because that would be concealment and that is illegal, however employers , by law, can not discriminate against you because of your medical history. The way the insurance thing works is if you do hire into a company that offers insurance to it's employee's then you are covered, even though you are technically uninsurable, the Group Health & Life plans are issued as a Blanket Policy meaning that they can not deny you coverage because of your medical history and they can not increase the premium to the company, because they do not require a statement from a doctor, they company is underwritten not each individual. There for in the eyes of the underwriters you are a perfectly healthy person.
2006-09-14 00:25:37 · answer #3 · answered by working4christ2000 1 · 0⤊ 1⤋
Actually it is true employers health isurance may rise if they hire someone with medical issues or history that denotes higher expenses but this typically is only a concern to small businesses.
I suggest you don't share your medical history during employment interviews at all it is simply not their right to know.
If you need an answer as to why you were out of work for a period of time just state you chose to take time off and enjoy life using your savings.
I would not divulge to an employer a medical condition or history unless it directly impacted my ability to do a job such as lifting or standing restrictions etc and only after an employer made an offer of employment.
Less knowledge is better when job hunting for employers.
Keep answers brief and stick to the position requirements.
2006-09-13 22:51:30 · answer #4 · answered by Answerkeeper 4 · 0⤊ 0⤋
By law, you don't have to disclose any health conditions to a prospective employer. Don't tell them you have been sick in the past. The only people who need that info will be your new health insurance. By the way, congrats on being cancer free!!!!!!!!!
2006-09-13 22:52:41 · answer #5 · answered by armywifetp 3 · 1⤊ 0⤋
I wish you the best. I too am a cancer survivor. I hope you find a good job soon and everything works out. You might check with social security. Be sure to ask God to help you.
2006-09-13 22:52:01 · answer #6 · answered by stephenl1950 6 · 0⤊ 0⤋
Offer to have them exclude cancer coverage for you - with that exclusion, their coverage will not go up significantly and that should remove the barrier. I would put a number of years, maybe 5, that the exclusion is in effect, because the cost is moot after that.
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