Treatments??

My main question comes from the fact I was turned down life insurance today because I have lupus
and do NOT take any drugs for it. They said I refused to take meds. Well, personally, I don't understand
what drugs have on the fact I have the ailment. I can't take many of them as I am very sensitive to
synthetic stuff and have to take plant base meds. i have arthritis, fibro, lupus, sciatica, spinal stenosis,
degenerative disc and bone spurs on spine along with 2 blown discs, an upside down heart, more lipomas
than you can count, bone spurs on hands, eyesight going, hearing gone, and most female surgeries
(you won't imagine where your parts can end up!!)
Anyways, what meds do you guys take?? I only use hydrocodone, skelaxin and once in a while a
sleeping pill. The pain gets unbearable at times and that's when I go get a depro medrol shot from the
drs. I use amino acids and vitamin therapy along with my sauna. Any ideas??

I believe you said you were denied LIFE insurance, correct? I have had lupus for 25 years now. I have severe lupus, and several others serious health issues, I am fortunate that I have Medicare and Tricare for Life, through my hubby's military retirement.

My Mother purchased a life insurance policy for me when I was 17. As we didn't have a lot of money it was only for $18,000.00. I recently tried to increase my life insurance by another $25,000.00 dollars with the same company and was denied.

I do take the medications that are used to treat lupus. I am on prednisone, plaquenil, Benylsta, injectable methotrexate, and heavy duty narcotics, and a slew of other drugs to either treat different conditions OR to help with the side effects from my lupus medications.

As Joy mentioned, with the changes with Obama care, there is insurance now offered to patients with pre-existing conditions. HOWEVER, that is MEDICAL COVERAGE IT ISN'T FOR LIFE INSURANCE.

Most LIFE Insurance companies WILL NOT cover a person with serious chronic health issues. They factor several things when giving quotes on LIFE Insurance. I haven't heard of ANY law that makes an Insurance company accept people with certain chronic health conditions.

I know from personal experiences when my Father tried to get LIFE Insurance, even though he had high blood pressure, they were willing to give him a policy but when they found that he was overweight by a lot he was denied. He passed away just over a year ago and WE, had to pay for the funeral out of pocket.

Some health issues are accepted, but they can be VERY costly. I would talk with your Dr and see if he/she recommends steroids, or an immunosuppressant. Once you get his/her recommendation you could try to reapply. I hope you can get approved for some LIFE Insurance. Wishing you the best, keep us posted

I never even thought about difficulty with Life Insurance - mine wouldn't be to cover a funeral since I plan to be totally donated, but its good to know there might be a difficulty with it.

I wonder if that offered thru AARP would be more permissive? I thought some of those policies were big on "no medical exams needed".

It's always the fine print, isn't it?

If all else fails, put the cost of the insurance into an IRA invested in a growth stock. That's really all an insurance company would do anyway.

Nana, Are you in the USA?
In order to get disability you need a doctor to stand behind you on being disabled. The go on Short term disability or Long term diability with your job. While on this file with SSD. They only say no if you're working or have any income. They have to see if you're really disable.