Denied Long Term Care Insurance Because Of The Band...

[SashaWLS 412]

I'm so upset. I tried to buy long term care insurance and was denied because I have the lap band. They said they'd reconsider if I maintained a weight of 174 for 24 months, but by then the policy will no longer exist. I was also denied life insurance because I'm too fat. I know it's just a piece of paper, but I feel horrible. I feel like I'm going to be a burden on my family. Flame me for being dramatic, but this is the first time in my life I've ever felt like just some fat woman who has no value.

[Rojasanoll 920]

Wow, I'm so sorry. I've never heard of anyone being denied health insurance because of the band. Guess nobody should be truthful with all the questions. You would think an insurance company would be thinking, this person is trying to control her weight and minimize future health issues.

Keep us posted if your insurance re-evaluates it's decision.

[hely88 883]

Omg that sucks so bad. Stay strong and figure out what your options are. Dont let this beat you!

[Banjo257 920]

Sorry for your troubles. But you are worth A LOT. Just caring about your family shows that.

[Kime-lou 648]

Have you tried other companies? Maybe that company is hard a##.

It burns me up that people don't realize that skinny people can be just as unheathly as a fat person. Granted being heavy is not good, but geez some companies and people act as if it's a scarlet letter.

[FLORIDAYS 3,040]

I am in HR and deal alot with insurances....Not sure what type of policy you are trying to get but something sounds off... People are denied for private life insurance for being overweight. I get that... What does the band have to do with your life expectancy? Is this through your work or a private company? I would check into other companies and see what your options are. There is someone out there who will be able to advise you.

[honk 780]

I am in HR and deal alot with insurances....Not sure what type of policy you are trying to get but something sounds off... People are denied for private life insurance for being overweight. I get that... What does the band have to do with your life expectancy? Is this through your work or a private company? I would check into other companies and see what your options are. There is someone out there who will be able to advise you.

Ditto find another company.

[SashaWLS 412]

This is with Northwestern Mutual, so they're a good company. I guess they think I'm not a good risk.