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Denied life insurance due to colitis?

Mon, April 13, 2009 8:18 PM

Since when am I going to die an untimely death because of this? I was so depressed when i got the letter. I know this is miserable but I really didn't need a bunch of strangers deciding for some reason i am too much of a risk. I am still wrapping my brain around this RX. I was starting to feel like I could live with this and make this work somehow- but this made me feel bad about all of this again. I am trying to shake this off-but I am now probably taking better care of myself then most. I guess it just another thing that this disease has changed for me -and I guess I am just angry about that. We didn't ask for this- I am only in month 5 of UC and I was proud of myself just getting through each day. I guess I am just confused -what do they know I don't?

asohn
Joined Dec 22, 2008

Sat, April 18, 2009 12:00 AM

Reply posted for tkyle.

Ask your doctor about supplemental Vitamin D if you're not getting enough sunlight. After my last flare, I showed low amounts of Vit. D (mainly cuz I had to stay indoors close to a toilet). So, doc gave me "horse" pills of Vitamin D short-term, and added a an additional 400mg / day long-term. It helps! I'm back in the normal range again.

gottago27
Joined Apr 16, 2009

Wed, April 15, 2009 3:16 PM

Reply posted for asohn.

Hey,
When I was feeling hopeless the other day, your reply to my post gave me some encouragement and strength, so I hope I can return the favor for you today. How many life insurance companies have you tried? It seems that they are becoming more and more like car dealers and shopping around definitely pays off, so you may want to do some research or talk to friends/family who have a relationship with their agent. Have you spoken with an agent yourself? I am certain that there are companies out there who don't consider you a "risk" so check around and see what you come up with. The premiums are going to be higher of course, but if they don't get you for this issue, they'll find another way. I sometimes take a very low, low dose of antidepressant during the winter months as the lack of sunlight and cold weather gives me the woes and my life insurance went up for this. My agent was apologetic, but I understood that unless you are 100% perfect they are going to either deny or inflate the price. As far as living with this disease, remember we all have good and bad days and the law of impermanence applies to these (nothing good nor bad lasts forever). I sincerely hope you find some answers to your insurance questions, but hope even more you feel better! Keep your chin up!

tkyle
Joined Apr 12, 2009

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