My son was denied Health Insurance to a disability is this mentioned under the ADA?

Question

He has PTSD, Epilepsy, adhd, Flatfeet

It was life insurence

LIFE INUSERNCE NOT MEDICAL

Answer 1

I do not believe the ADA addresses health insurance.

If you applied to a private insurer, then they can deny any based on health history. If it is a group insurance policy, but your son had no insurance upon application, they can deny him, but I believe there is a limit to the amount of time he would not be covered for pre-existing conditions.

Why isn't he on medicaid? (or is it medicare, I can never remember). Good luck

Answer 2

1

Answer 3

Never mind what the law says, why should an insurance company be forced to sell a policy to someone it knows it will probably lose money on? Someone will say it sounds mean, but insurance companies won't stay in business if they don't take in more money than they pay out so they can make a profit. They're not charities.

Answer 4

Life insurance companies can decline to provide coverage to those they deem too high-risk. I’m not sure about any EEOC regulations regarding life insurance and disabled Americans, though. I’ve included links to the text of the Americans with Disability Act, the Job Accommodation Network which has a lot of online documents about the ADA, and a list of state insurance departments.

You might want to contact your state insurance commissioner and ask them about any possible assistance for your son. Your son can probably find life insurance; the problem is that it might be too expensive or might not provide the level of coverage he wants for his loved ones. You might want to talk to life insurance agents in your area – they’ve probably fielded questions like yours before. You can get in touch with local agents and preview life insurance policies available near you at MostChoice.com.

You can find MostChoice here:
http://www.mostchoice.com/life-insurance.cfm

Hope this helps,
[e-mail]

Answer 5

All I have is an educated guess, that the insurance companies made sure that there were exemptions in the law for them.

The key words are, I believe, "reasonable accomodation" for the disabled. "Reasonable" is the lawyers' favorite word, because it could mean anything or nothing. And I think it relates primarily to employment, housing, and building codes, etc.

I found this - I hope it helps some:

http://www.eeoc.gov/facts/fs-ada.html

Good luck.

Answer 6

Denied a personal policy? This is legal, but if you are denied a personal policy, you are usually eligible for a "state pool" depending on where you live. He cannot be denied insurance from an employer policy for those reasons.

No, they do not have to sell anyone life insurance.