Click this link to read a post I like on the clusterheadaches.com message board...

LasVegas CH.com Sponsor Offline Episodic CH since 11 yrs old, now 50. Posts: 2020 north of the 60th parallel Gender:	Life Insurance Feb 11^th, 2012 at 2:54pm We have discussed the issues we CH'ers face trying to obtain medical insurance as it relates to pre-existing condition coverage for CH's. Has anybody had any challenges obtaining life insurance due to a CH history? -Gregg in Las Vegas
Back to top	Wishing everybody at CH.com less pain w/ more productivity in their lives in 2019 IP Logged

Click Here to visit the CH.com Facebook page!

Melissa CH.com Moderator CH.com Alumnus Offline Don't give up! Posts: 7238 Central WI, USA Gender:	Re: Life Insurance Reply #1 - Feb 11^th, 2012 at 10:53pm Nope.
Back to top	Diseases can be our spiritual flat tires - disruptions in our lives that seem to be disasters at the time but end by redirecting our lives in a meaningful way. ~Bernie S. Siegel IP Logged

Guiseppi

CH.com Moderator
CH.com Alumnus

Offline

San Diego to Florida 05-16-2011

Posts: 12063
SAN DIEGO, CALIFORNIA USA
Gender: male

Re: Life Insurance
Reply #2 - Feb 12^th, 2012 at 9:20am

The CH diagnosis itself didn't, but the medications threw up a red flag with the underwriters. My wife works in the biz and asked her underwriters ahead of time if I would be "rated" as a result of CH. I was in cycle at the time, he said based on the meds I was taking I should wait until I was off cycle to apply for the insurance. When the cycle ended we applied. She still had to write several letters to the underwriters educating them as to CH and ultimately I was approved without any "rating." Outside of CH I am in excellent health and have no medical issues.

Joe

Back to top

"Somebody had to say it" is usually a piss poor excuse to be mean.

IP Logged

LasVegas CH.com Sponsor Offline Episodic CH since 11 yrs old, now 50. Posts: 2020 north of the 60th parallel Gender:	Re: Life Insurance Reply #3 - Feb 12^th, 2012 at 11:41am Thanks for sharing Melissa and Joe. I wanted to wait until after I was out of cycle and off meds before applying. So now is probably better time than ever to apply as I am out of cycle and not on any meds. Thanks again. -Gregg in Las Vegas
Back to top	Wishing everybody at CH.com less pain w/ more productivity in their lives in 2019 IP Logged

Melissa

CH.com Moderator
CH.com Alumnus

Offline

Don't give up!

Posts: 7238
Central WI, USA
Gender: female

Re: Life Insurance
Reply #4 - Feb 15^th, 2012 at 11:50am

LasVegas wrote on Feb 12^th, 2012 at 11:41am:

Thanks for sharing Melissa and Joe. Wink

I wanted to wait until after I was out of cycle and off meds before applying. So now is probably better time than ever to apply as I am out of cycle and not on any meds.

Thanks again.

-Gregg in Las Vegas

Gregg, I highly suggest contact Jayne Salters (a CH'er) to get a quote on life insurance. She's helped me, my husband, and others. I recommend her to everyone!

Multimedia File Viewing and Clickable Links are available for Registered Members only!! You need to

or

Back to top

Diseases can be our spiritual flat tires - disruptions in our lives that seem to be disasters at the time but end by redirecting our lives in a meaningful way. ~Bernie S. Siegel

IP Logged

Denise Mancini

CH.com Newbie

Offline

I Love CH.com!

Posts: 1

Re: Life Insurance
Reply #5 - Feb 16^th, 2012 at 4:19am

If you're working with a good agent and company, you should find reasonable allowances with CH. If explaining CH to them doesn't work, you could always try again through another carrier. Look up term life insurance rates on large aggregator websites; licensed agents on there are more likely to have knowledge of how to circumvent CH medications in the medical examination.

Denise Mancini
Disclaimer: I work for AccuQuote and this is my personal opinion.

Back to top

IP Logged

LasVegas CH.com Sponsor Offline Episodic CH since 11 yrs old, now 50. Posts: 2020 north of the 60th parallel Gender:	Re: Life Insurance Reply #6 - Feb 16^th, 2012 at 10:24am Most CH'ers smoke cigs. To avoid higher rates, do you lie about smoking history or admit to smoking and pay the premium? -Gregg in Las Vegas
Back to top	Wishing everybody at CH.com less pain w/ more productivity in their lives in 2019 IP Logged

Potter CH.com Alumnus Offline Team MOOSE DROOL Stinky Stuff on a Hook Prostaff Posts: 3600 Blgs.Mt. Gender:	Re: Life Insurance Reply #7 - Feb 16^th, 2012 at 10:27am LasVegas wrote on Feb 16^th, 2012 at 10:24am: Most CH'ers smoke cigs. To avoid higher rates, do you lie about smoking history or admit to smoking and pay the premium? -Gregg in Las Vegas You're assuming again. Potter
Back to top	IP Logged

Guiseppi CH.com Moderator CH.com Alumnus Offline San Diego to Florida 05-16-2011 Posts: 12063 SAN DIEGO, CALIFORNIA USA Gender:	Re: Life Insurance Reply #8 - Feb 16^th, 2012 at 10:40am With my policy we didn't put anything false. That can void your whole policy. I was advised that being on lithium is a HUGE red flag. I waited until I was off cycle so I could honestly put I was currently not being treated for any conditions and was not taking any prescribed medication. Joe
Back to top	"Somebody had to say it" is usually a piss poor excuse to be mean. IP Logged

Click Here to visit the CH.com Facebook page!

LasVegas

CH.com Sponsor

Offline

Episodic CH since 11 yrs
old, now 50.

Posts: 2020
north of the 60th parallel
Gender: male

Re: Life Insurance
Reply #9 - Feb 16^th, 2012 at 11:12am

Potter wrote on Feb 16^th, 2012 at 10:27am:

LasVegas wrote on Feb 16^th, 2012 at 10:24am:

Most CH'ers smoke cigs. To avoid higher rates, do you lie about smoking history or admit to smoking and pay the premium?

-Gregg in Las Vegas

You're assuming again.

Potter

Potter...I am not assuming, just stating most recent survey facts! Furthermore, I don't appreciate you stating "again" as if I assume often, because I am not one to assume often. Wink

"Smoking History (Table 3).—In regard to current or prior tobacco exposure (cigarette smoking or chewing tobacco), 73% had a positive history. In 72%, 1 or both of the survey responder’s parents smoked while that individual was living with that parent. Only 17% stated they had never smoked prior to cluster headache onset, while 51% stated they were smoking at the time they developed cluster headache. Only 18% stopped smoking after their headaches began, while 45% continued to smoke at the same rate, 16% decreased their smoking rate, and 8% increased their rate of smoking. Of the survey responders, 8% stated that smoking cigarettes would reduce the severity of an individual headache attack, 2% stated smoking reduced their attack frequency, while 27% used cigarettes to relax themselves during or after a cluster headache attack. Of the survey responders, 29% had a smoking history past or present of more than 25 years, while 61% used tobacco for 10 or more years."

Source: Cluster Headache in the United States of America: Demographics, Clinical Characteristics, Triggers, Suicidality,
and Personal Burden*head_2028 1..15 Todd D. Rozen, MD, FAAN; Royce S. Fishman, BA

-Gregg in Las Vegas

Back to top

Wishing everybody at CH.com less pain w/ more productivity in their lives in 2019

IP Logged

Melissa CH.com Moderator CH.com Alumnus Offline Don't give up! Posts: 7238 Central WI, USA Gender:	Re: Life Insurance Reply #10 - Feb 17^th, 2012 at 2:57pm Gregg, just give Jayne a call. She'll answer all your questions. And remember, she's also a clusterhead. She's been around this site longer than I have, and I've been here for 10+ years.
Back to top	Diseases can be our spiritual flat tires - disruptions in our lives that seem to be disasters at the time but end by redirecting our lives in a meaningful way. ~Bernie S. Siegel IP Logged

deltadarlin

CH.com Alumnus

Offline

I love YaBB 1G - SP1!

Posts: 3823
Downsville LA
Gender: female

Re: Life Insurance
Reply #11 - Feb 17^th, 2012 at 7:42pm

Actually, Potter may be right if I interpret the data correctly.

Quote:

while 51% stated they were smoking at the time they developed cluster headache. Only 18% stopped smoking after their headaches began, while 45% continued to smoke at the same rate, 16% decreased their smoking rate, and 8% increased their rate of smoking.

If 51% were actually smokers at the onset and 18% quit after they started having cluster headaches, then only 33% would be smokers, that knocks it down to *some*, not *most*.

Back to top

Multimedia File Viewing and Clickable Links are available for Registered Members only!! You need to

or

IP Logged

LasVegas CH.com Sponsor Offline Episodic CH since 11 yrs old, now 50. Posts: 2020 north of the 60th parallel Gender:	Re: Life Insurance Reply #12 - Feb 17^th, 2012 at 11:40pm "In regard to current or prior tobacco exposure (cigarette smoking or chewing tobacco), 73% had a positive history"....this to me interprets MOST. Whatever! -Gregg in Las Vegas
Back to top	Wishing everybody at CH.com less pain w/ more productivity in their lives in 2019 IP Logged

LasVegas CH.com Sponsor Offline Episodic CH since 11 yrs old, now 50. Posts: 2020 north of the 60th parallel Gender:	Re: Life Insurance Reply #13 - Feb 17^th, 2012 at 11:41pm Thanks Joe, Thanks Melissa! -Gregg in Las Vegas
Back to top	Wishing everybody at CH.com less pain w/ more productivity in their lives in 2019 IP Logged

sandie99

CH.com Hall of Famer

Offline

Wish it, dream it, do
it - inspite the pain!

Posts: 11975
Finland
Gender: female

Re: Life Insurance
Reply #14 - Feb 18^th, 2012 at 4:22am

Things are probably a bit different here in Finland, but if you don't mind, I'd like to comment about my insurance.

I had so-called "youth insurance" until I was 25. That begun when I was just a baby, and the first time it was truly used was when I was diagnosed with ch in 2003. Between 25 and last year, my insurance did cover all the other stuff, but ch expenses were counted out. Luckily for me, most of my ch expenses did take place during that youth insurance, so I needed nothing major.

My current insurance will last until I will turn 70. We're actually meeting our insurance agent on Monday, when we will talk about the insurance to our baby. We will check our insurances then as well, in case some changes need to be made.

PF days,
Sanna

P.S. I'm also a non-smoker, always have been.

Back to top

Multimedia File Viewing and Clickable Links are available for Registered Members only!! You need to

or

Multimedia File Viewing and Clickable Links are available for Registered Members only!! You need to

or

IP Logged

deltadarlin CH.com Alumnus Offline I love YaBB 1G - SP1! Posts: 3823 Downsville LA Gender:	Re: Life Insurance Reply #15 - Feb 19^th, 2012 at 10:17am LasVegas wrote on Feb 17^th, 2012 at 11:40pm: "In regard to current or prior tobacco exposure (cigarette smoking or chewing tobacco), 73% had a positive history"....this to me interprets MOST. Whatever! -Gregg in Las Vegas Had refers to past, not present.
Back to top	Multimedia File Viewing and Clickable Links are available for Registered Members only!! You need to or IP Logged

Sandy_C

CH.com Sponsor

Offline

There is no such thing
as a stupid question.

Posts: 3371
Jamestown, NC
Gender: female

Re: Life Insurance
Reply #16 - Feb 19^th, 2012 at 4:29pm

LasVegas wrote on Feb 16^th, 2012 at 10:24am:

Most CH'ers smoke cigs. To avoid higher rates, do you lie about smoking history or admit to smoking and pay the premium?

-Gregg in Las Vegas

I somewhat agree with Potter in that your comment about "most" Clusterheads smoke" is not necessarily true.

As to insuring yourself, if you admit to being a smoker you will pay a higher rate. If you deny smoking keep in mind, before the company will insure you they will require testing, as in blood tests for drug use, nicotine, etc. And, even if you, as a smoker can stop smoking for a couple of days before this blood test, it will still show. Caught in a lie, no insurance.

Better off, tell the truth and pay the price. Been there, done that.

Sandy

Back to top

Lean on me, when you're not strong, cause we all need somebody to lean on.

IP Logged

Click Here to visit the CH.com Facebook page!

Happy Pappy CH.com Sponsor Offline Finer than frogs hair! Posts: 744 Ft Loudon, PA Gender:	Re: Life Insurance Reply #17 - Feb 27^th, 2012 at 4:48pm YES I was turned down when they saw the word chronic
Back to top	We will all go to HEAVEN we have been to HELL! -(Personal Quote) They say this will only make me stronger but I did not ask to be SUPERMAN IP Logged

	Welcome, Guest. Please Login or Register
	Search box updated Dec 3, 2011... Search ch.com with Google!