Saturday, December 04, 2004

Insurance Company Jackasses

We received this today from MetLife. -

Dear Christopher H.,

We have considered carefully the Statement of Health you submitted requesting Spouse Term Life benefits. We regret to inform you, however, that we find it necessary to decline the request for coverage at this time because of history of treatment for bipolar disorder.

(I would like for it to be noted that I typed that entire paragraph and didn't make one mistake; until, I began to brag and fucked up on the third word. Bah.) I digress.

Apparently, I'm not worthy of Life Insurance because I've "spent time" in the looney bin. Are they afraid that I'm going to throw myself out of a window? I'm seriously confused about this. If i'm not mistaken there are clauses in insurance policies that make it impossible for people to commit suicide and allow their family to collect........ right? RIGHT?

I can honestly say that I'm not suprised. But, I never dreamed that it would be my BP that caused it. I had cervical cancer when I was 28 and had to have a full hysterectomy, surely that would have been a stronger reason for a denial. That was only three years ago. Jackasses.

I really hate dealing with this kind of CRAP. Insurance companies, mortgage companies, phone companies, etc. etc.. My dream would be to have a secretary of my very own. Someone who can balance the checkbook, pay the bills, answer the phones, return emails...

Anyone want a job? I can't pay you, but you will never feel unappreciated. =)

I need help planning the demise figuring out a response for these jackasses.

If your familiar with insurance claims and mental health, please email me. I could use some sage advice. Thanks.


17 Comments:

Blogger Harmony said...

I personally don't get it. I'm speechless...

If I can help you in any way, I'm here for you! I make one damn good secretary!!

10:25 PM  
Anonymous Anonymous said...

I don't think you understand exactly what your getting into by saying that... Seriously.

10:29 PM  
Blogger Harmony said...

Probably not, but I'll do it (for you) just the same!

Cuz I'm cool like that....

9:16 AM  
Anonymous Anonymous said...

The same thing happened to me and my wife when we applied for life insurance at Met Life. Since I had a history of mental illness, they would not offer me a policy. I'm not sure there is any way around this because I, apparently, am a high risk for, well, death. I don't know if other life insurance companies are more lenient as far as issuing policies goes, but if I happen to find one, I'll try and drop you a line.

2:25 PM  
Blogger Kim said...

...my father has BP and I don't know about his life insurance...he's pretty much fucked up the other one because he keeps going off his meds...getting put in the hospital...then starting the cycle all over again. I DO know any help I tried to get from several psychiatric orgs was a total waste of my time...they don't seem to care...I thought doctors were supposed to CARE! I know, as you do, too, that insurance companies are ONLY in it for the money...I'm sorry you have so much trouble with them...

2:40 PM  
Blogger Jenny said...

Hi Kim,

Thankfully, I haven't had as much trouble as it sounds like your father has. (hugs) I know how hard it can be. Especially for family. So far, I haven't had much trouble with coverage thru C's work. They cover my Dr. visits and even a week in the looney bin without any fight. We, of course had to pay a co-pay, but I'm not bitching.

This life insurance thing is a new problem. Hopefully we can work it out with minimal bloodshed. xx

7:48 PM  
Blogger Angie said...

Ok, first let me say, that sucks!

Second, I just looked at your photos. Damn girl, you are a hottie! And I mean that in the most straight of ways! :)

Angie

9:06 PM  
Blogger Christine said...

I don't have any expert experience with insurance companies. I hate that! I had a similar experience when we were signing up for our health insurance. The company wanted an extra $200 PER MONTH to cover me, because of my history of postpartum depression. CRAZY! Luckily my husband is at the top of the chain in a small company, so he chose another company to provide the coverage.

Good luck!

5:37 PM  
Blogger easywriter said...

Gee, that's rotten of them. I wish I knew something that would help but all I can do is offer good luck. Not much help though is it?

easywriter

7:49 PM  
Anonymous Anonymous said...

Hi Jenn,

Tough luck. I suggest emailing organizations that provide support to people w/ BP. I looked up bp organizations and got this link... http://www.dbsalliance.org/ They might be able to point you to an insurance company that can cover you or at least tell you how to respond to the company.

Elaine (EMJ36 back at Tblog)

9:07 PM  
Blogger laurie said...

I got turned down for life ins. with MetLife because of my height to weight ratio. So, you can't be fat either in order to get life ins.

12:45 AM  
Blogger Jenny said...

The same thing happened to me and my wife when we applied for life insurance at Met Life. Since I had a history of mental illness, they would not offer me a policy. I'm not sure there is any way around this because I, apparently, am a high risk for, well, death. I don't know if other life insurance companies are more lenient as far as issuing policies goes, but if I happen to find one, I'll try and drop you a line.Thanks! I would appreciate any information your willing to share. xx

8:49 AM  
Blogger Jenny said...

Angie - LOL! Thanks girlie...


Christine - I wish we were so lucky! We have excellent health insurance. They have covered every problem I've ever had without argument. This is a first, but its also the first time we've tried to get life insurance. I'm not taking this as the last word though. ;-) xx

8:52 AM  
Blogger Jenny said...

Easywriter - It helps plenty. Thanks for stopping by. xx

EM- It's good to see you! Thanks for the link. I will pass it on to my hubby. I have delegated him to this little task. lol.. xx

Tejanita - Well, now I really think they suck. I'd love to meet these perfect people that get to decide whether or not we meet their "criteria" of whats a healthy person. Jackasses.

8:55 AM  
Blogger jootastic said...

I work in a financial planning and insurance office. Once something like treatment for a mental health issue goes on your record (for something as simple as going to psychotherapy for post 9-11 blues, or in your case for bipolar disorder) it's there forever. And, that means that every health insurance carrier, life insurance carrier, disability insurance carrier, and long term care carrier can use it against you.
If you decide that you want to try for real life insurance or whatever you want, find a broker who will consider trial applications -- they aren't as harsh to your record as a denial is...and you'll end up finding someone who is willing to assume the risk to insure you. Lemme know if you have any questions... I'm on snozzberries with my sister...

12:44 PM  
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