rosales20
Active member
- Joined
- Feb 27, 2006
- Messages
- 33
- Country
- US
- State
- CA
- City
- Whittier
Hey gang,
It has been stressful the last couple of days. I will keep this short. I have a bro. who was diagnosed at age 26 with Bulbar ALS. Naturally, I go get tested. I thought I had some symptoms, but I think that it is all anxiety and stress.
So, my EMG and blood tests come out negative. At the same time, I was applying for life insurance. I was honest, so I did not lie. So, I was denied life insurance.
Have any of you experienced this before? Is there something I can do? My agent requested that my nuero write a letter stating that I don't have ALS and that my tests came back negative. I have requested that letter.
And they are willing to write it. My agent then said that she would shop around for another company.
However, I have a feeling that they will deny me as well or charge an arm and a leg. The basis for denial was family history and my twitching. Can they do this? Is it legal? There is no proof that my brother has FALS.
Thank you for the advice.
It has been stressful the last couple of days. I will keep this short. I have a bro. who was diagnosed at age 26 with Bulbar ALS. Naturally, I go get tested. I thought I had some symptoms, but I think that it is all anxiety and stress.
So, my EMG and blood tests come out negative. At the same time, I was applying for life insurance. I was honest, so I did not lie. So, I was denied life insurance.
Have any of you experienced this before? Is there something I can do? My agent requested that my nuero write a letter stating that I don't have ALS and that my tests came back negative. I have requested that letter.
And they are willing to write it. My agent then said that she would shop around for another company.
However, I have a feeling that they will deny me as well or charge an arm and a leg. The basis for denial was family history and my twitching. Can they do this? Is it legal? There is no proof that my brother has FALS.
Thank you for the advice.