Great. Well that leaves me and my husband in a bad situation. The only plus is we had life insurance policies before "coming out of the closet" I'm going to have to check with my doc who we just saw us for our 2 month check in since he prescribed NaL. I should ask him what code he put down for us but whatever he did it seems too little too late!

corkit

There's nothing I can do about it now. It seems like whatever I decide to do it turns out wrong. Who would have thought going to your doctor for help would be wrong! I really need to call him and see what code he's putting down for us. The both of us right now are in a good position where we work but you're right that could change.


corkit

Wow, this freaks me out! Fortunately I haven't gone back to my doctor since I told her I thought I had a drinking problem (August 24th). She said she'd see me in a month after starting the nal, but she was so negative I never made a follow up appointment. I'm glad that I saw this thread. I thought I'd make an appt. with her to try and get a prescription from her, thinking it would be cheaper with my health insurance, well not now! I'll stick with River...

petal

This is true for health insurance, and probably all other forms of insurance but it is only partly true for life insurance. I apologize for the emphasis but this is an important topic and what I am about to say is fact and is coded into federal law:

For all life insurance there is what is called a "no contest" clause which very unambiguously that after 2 (two) years inaccuracies and inadequate information provided by you can absolutely not ever be used to contest a claim. This is final and absolutely true in every circumstance.

This clause applies whether or not you provided inaccurate information to your doctor, whether or not you outright lied about anything in your contract, and even whether or not you were diagnosed as terminally ill at the time of your signing the contract and knew it. This clause applies even if you committed fraud. You can even commit suicide after two years and your death benefit will be paid to your beneficiary.

Before two years anything goes. After two years, your contract is pretty indestructible.

This does not apply to any other form of insurance. I believe that in any other form of insurance agents can even be aware of a misrepresentation and will happily make the sale and collect your premiums even if they know that your claim will never be paid. I doubt this is legal, but they'll do it.

Hmm, very interesting. You know more about this than me LoOp -- I'm just relaying what I heard from an expert. And when I was talking to him we were discussing homeowner's insurance, not life insurance, so what you say may very well be correct. Interesting. I wonder why the rules would be different for life insurance?

And your last point is entirely correct. The same insurance guy I know used to be aware of agents who would basically complete insurance applications on behalf of their clients and have them sign it, knowing that if a claim were made it would be rejected but not caring because they got their commission. Sickening but true.

Oh. My. God. This scares me...

SR,

Thanks for the information. I've yet to receive the denial letter from the insurance company yet, so I don't know the exact wording of why they are denying me. My agent called me and said I'd been denied due to information in my medical records. He said because of privacy laws, he didn't know exactly what it was.

Given that I have nothing wrong with me and rarely go to the Dr, it only makes sense that the Nal prescription was the reason.

Once I see the letter, I'll likely go back in and talk to my Dr. Sadly, it sounds like there is little I can do to get rid of this black mark on my medical history now. Talk about unfair.

I just never thought this would be an issue. Wish I'd known.

Hopefully, this incident will serve as a warning to others starting TSM to avoid talking to their GP about this unless there are other health issues that may be a concern. If I had it to do all over again, I would not have seen my GP about this.

Q

Q ... I really feel for you.
I'm mad as hell about this.
I don't have insurance because I don't (yet) have a significant other.
If I did have someone special I would certainly take out insurance.
Now it appears I'm screwed for being honest.
OK ... I'm in Australia, but I'll bet you dollars to donuts that the same applies here.
When I see my GP next week for my NAL script I'm gunna ask him about this.

As a side bar to this ... I stopped smoking 4 years ago and consequently have a lot more money in my pocket. I save a good portion of what I used to spend on smokes and put it toward healthcare, present and future.
Perhaps this is something to consider.
Save the money you used to spend on booze and invest it in your future.
Just a thought.

Just recently got approved for life insurance. I did disclose the naltraxone and the reason. Wasnt going to because I thought it might be an issue. However I figured they may check for it in the blood sample. So I guess I was lucky.

They are not going to check for naltrexone in the blood work.

Seriously, the advice that I gave to Q will circumvent any issues when it comes to life insurance.