catherine333

Hi all. I hope you are all doing GREAT and shrinking as I type!
The other day my hubby an I were talking about getting additional life insurance so I called around for some quotes and all the companies I spoke with denied me coverage due to my Gastric Bypass! Apparently there is a provision of a 5 yar wait from surgery date before I can get coverage!
How crappy is that!
I am now off ALL meds for hypertension, no longer Super Morbidly Obese and have no complications or health problems and I can't get life insurance.
I just needed to vent and you guys are so good at listening. Anyone has any sugestions or companies to recommend, please let me know.

__________________
Catherine
297/220/180
Before/Current/Goal
Lap GBP - 10/10/2006 -Greenville,NC

Bypassingme619

They do this as well with health insurance. If you are trying to sign up for an health insurance that isn't related to your job, you could be denied coverage. I don't have any suggestions but keep doing your research. Hopefully you will find an insuranc company that has some good scence.

BTW congrat on getting rid of all your meds. What a great feeling that is, I'm sure.

__________________
Your Girl,
Denise

Dr. Mueller
7/14/05 Lap
411 /310/180 (I don't want to be skinny)


My Story

My Space

Never put a question mark where the Lord has already put a period.

xlntsrvc

The funny this is I was denied life insurance through my job because I was obese...so I do something about it and I am still denied life insurance. Go figure. It's a no win situation.

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Staci
333/192/180
Surgery/Current/Goal
Onderland Finally July 28, 2008
Century Club Aug 07
February 19, 2007 Surgery
"] Finally starting my journey to weight loss
November 27, 2006 State overturned Appeal
October 2006 Appeal to the State
August 2006 2nd Referral (denied appeal)
March 2006 Referral (denied).

From this perspective, everything is equally forgivable, whether it’s our laziness, self-hatred, impatience, large thighs, or tendency to overeat.

catherine333

Yep, I guess just the way of the world today. I have life ins. through my employer, just hoping to beef it up a bit. Just so frustrating dealing with these big companies and their insane rules. Thanks for letting me vent and as usual see I am not alone.

__________________
Catherine
297/220/180
Before/Current/Goal
Lap GBP - 10/10/2006 -Greenville,NC

Princess

We have extra insurance through AIL, everything went through no problem and then I got a phonecall from the agent ( a fellow biker) who was extremely embarrassed to tell me that they would insure me but not for as much money and that we would have to pay an extra amount due to my weight. I was pretty pissed as I am healthy and active and was mad that the company would judge me! Anyway we ended up paying it so we have coverage but I am looking forward to calling them post op! I hate insurance companies!!

__________________
Open RNY May 7th 2007
Gymrat #45!

SW/CW/GW 5'4" = Shortass!
296/169/160 -126lbs WAHOO!!!

9lbs to goal! The last 9 are the hardest!!!

ONEDERLAND!........reached finally on Jan 18 2008
CENTURY CLUB!!........reached on Jan 25th 2008
Officially just "overweight" club June 23 2008


PrincessBear
Samantha

Squishy

Hello!
I was denied health insurance because of my weight in the past, but eventually got it. I recently decided to take out extra life insurance and applied through two agencies. One denied me because of my weight, but the other accepted me. I had not even thought about the implications of the WLS on life insurance. I am glad I got it when I did!

Thanks for the information!
-Mike-

__________________
TT Squishybear

"If you are going through hell, keep going." - Winston Churchill

05/30/07 Open RNY
430/346/240.5/225?
Highest/Surgery Date/Current/Goal
6' 2"

TT Gym Rat Club Member #65

chilmoe

i hear ya, my monthly life insurance plan is 35 bucks more because of my pre-op weight, when i called my agent, he said, i have to maintain or be below my normal weight of 140lbs for six months then i can apply to have the rate reduced, by answering the medical part all over again and having the health nurse do the weight and blood work and all, so looking forward to that!

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_________________________
Carrie
Open RNY - Sept. 11, 2006
5'3" Start 239 / Current 110

One-der-land Club October 1, 2006
Over-weight Club December 13, 2006
Doctor's goal: 140lbs March 23, 2007
Open Gallbladder Surgery: August 13, 2007
TT Gym rat club member #4
Current: 16% BF

Gina in NY

If you are a union member or have a professional association that you belong to, sometimes they have no medical thing...

I keep applying for disability insurance and being denied due to my weight. I hope that if I apply when I'm "overweight" that they'll accept me! If anything ever keeps me from working, my family will lose everything!

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Gina in NY
288/261/134- 5'3"
High/Pre-op/Current
Goal - 125 or 19% body fat
Open RNY 6/20/06, Plastics 7/27/07
TT Gym rat club member #5
GOAL COUNT DOWN: 8 7 6 5 4 3 2 1...
"Don't tell me what you're going to do, tell me what you did." Love of my life

Dyann

I know NY life has a one year exclusion and 3 year "high risk" quote and after three years you petition and give a rate reduction back to your current state of health and age.

__________________
DYANN

Lap RNY 1/4/06....
46/19.8/23.5 BMI's 167.9 pounds gone forever as of 9/12/07 116.3%to goal

294.4/126.5/150
5' 7''
Jupiter, Florida
Dr. Jefferson Vaughan: GBP
Dr. P Duddly Giles: Plastic surgeon TT/BL 03.20.2007

Mavisavis

I am anxious to hear what everyone else finds out. My fiance is going to be peeved when he goes to do life insurance here in a few months. He'll be giving them what for!

__________________
Marty

Success is not final, failure is not fatal: it is the courage to continue that counts--Winston Churchill

Lap RNY 9-7-05
Dr. Ben-Meir
Cleveland Center for Bariatric Surgery
235/135/135
pre/now/goal