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Old 09-20-2007, 10:03 AM
sammgo sammgo is offline
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Default Lupus in Canada - Insurance, disability?

Hi All,

I have yet to be diagnosed "fully" with Lupus, long story short, my neurologist said "it's like you have it, but no symptoms, but if you start to show symptoms let the family doctor know" because of the ANA test. Anyways, I have been doing a lot of research since then and, to me, it seems I have many of the symptoms, but they were much worse when I was younger. Some new things have started recently, specifically the chest aches, and I would like to discuss this, as well as other symptoms with my doctor.

Since I have not been "officially" diagnosed, I am considering going to get all my health and life insurance now. Currently I have life and health insurance through my work but I think if I leave the company, the benefits are not transferable.

Anyone living in Canada, specifically Ontario - can you give me some insight into how Lupus is regarding as far as private insurance is concerned?

Also, what would happen if I was not able to work because of this? Does disability insurance help?
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Old 09-21-2007, 10:55 AM
Whisper Whisper is offline
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Join Date: Oct 2006
Location: Ontario, Canada
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Quote:
Originally Posted by sammgo View Post
Hi All,

I have yet to be diagnosed "fully" with Lupus, long story short, my neurologist said "it's like you have it, but no symptoms, but if you start to show symptoms let the family doctor know" because of the ANA test. Anyways, I have been doing a lot of research since then and, to me, it seems I have many of the symptoms, but they were much worse when I was younger. Some new things have started recently, specifically the chest aches, and I would like to discuss this, as well as other symptoms with my doctor.

Since I have not been "officially" diagnosed, I am considering going to get all my health and life insurance now. Currently I have life and health insurance through my work but I think if I leave the company, the benefits are not transferable.

Anyone living in Canada, specifically Ontario - can you give me some insight into how Lupus is regarding as far as private insurance is concerned?

Also, what would happen if I was not able to work because of this? Does disability insurance help?
Since you are working in Canada you are paying into the canada pension plan. CPP is an insurance plan in Canada designed to help one if disabled before retirement or if you continue to work, a retirement plan. I am on CPP myself for disability.

It depends on how long you have worked and how much you have paid into the plan. You start paying into Canada Pension Plan as soon as you start working and are atleast 18 years of age, until 65 or earlier (if for some reason you need to start drawing it. eg. retirement, disability etc)

As far as private insurance goes, it is dependent on who you try to get insured by. Most will ask questions that make you reveal your disease, even if only suspected diagnosis.

Oftentimes they will allow coverage if you are symptom free or such... for a period of time and some won't allow coverage at all. It really depends on the insurance company and their policies.

I don't know what you do for a living, but my husband was able to keep his health care after retirement from his previous job. We also have coverage from his present employer, but his previous job insurance will be with us forever as long as we pay the premiums.

I am living in Ontario and although I cannot comment on how the insurance companies regard Lupus, I can tell you they are not helpful with a diagnosis of only possible MS. I have not been covered and could not even get insurance on my mortgage because of having neurological problems that have NOT been diagnosed as anything definite. But the mention of neurological problems and they say NO-not covered.

I wish you all the best. It's very frustrating. But don't give up. You are still working, that's a good thing. Are your symptoms starting to flare up and make it difficult for you to do your job? I ask this because you are inquiring about insurance.

Don't go too long with lessened hours at work because Canada Pension Plan will calculate how much disability insurance payments they'll pay out according to how much you made and how much you paid into it for the previous 7 years. (something to keep in mind)

That's about all I can think of for now to tell you. It's all only my experience, and you may find out different answers elsewhere. Here is the link to the Canada Pension Plan site that should give you more answers. http://www.hrsdc.gc.ca/en/gateways/topics/cpr-gxr.shtml

Best of luck,
Lorraine
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Old 09-21-2007, 11:28 AM
sammgo sammgo is offline
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Thanks Lorraine,

I've only been paying into CPP for 9 years - and 65 is a long way off for me. That's why I think I'm going to have to pony up the premiums for private *if* I need that later (hopefully not sooner) in life.

My symptoms have not gotten to the point were I cannot work, or function. Although I have missed a few days this summer due to extreme fatigue. I just fear that things may be getting worse and I want to be covered and prepared if it gets to the point.

I am concerned about your comment regarding neurological problems - I was in to see a neurologist last year who said I have Benign Fasciculation Syndrome, but since I've been to see her the BFS has pretty much stopped - for now.

I really need to discuss my recent symptoms with my doctor but I don't want anything (although the neuro stuff has maybe done the damage already) to go on there until I get ready financially.

Thanks again for you help,
All the best,
Samm
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Old 12-21-2008, 02:23 PM
ali ali is offline
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Default Apply now

I live in B.C., I have lupus and was able to get private life insurance but I think I was really lucky, my family doctor filled out the application and gave very basic information, I know had it gone to my rheumatologist there was no way I would have gotten it. So basically if I was you I would apply and ask your family doctor to sign off on the form, don't be deceitful but don't give any information that is not required! Also check with your work, a lot of policies are transferrable with no health evidence. Disability is probably the area you should be most concerned with, these policies usually pay about 2/3 of your current wage tax free if you become disabled. Private insurance for disability obviously is harder to get than group coverage. You might want to consider "critical illness" insurance this is basically an insurance that pays a lump sum if you become ill with cancer, heart disease etc. You will not likely get it if you have lupus but if you are not yet diagnosed and are able to get it make sure that it will pay out if you get lupus. Some critical illness policies have what is called a "return of premium option" which means if you pay into the policy and reach the age of 65 a portion of the premiums you paid is given back to you (the amount varies but in past years I know you could receive up to 75% of what you paid out). I would talk to a good insurance broker (someone who can sell any companies policies) because they can direct you to what companies underwriting requirements would be less strict. Hope this helps.
Ali
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  #5  
Old 09-28-2009, 09:29 AM
pes123 pes123 is offline
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sammgo, a child of my cousin (who lives in canada) is suffering from Lupus, i am not able to get a hold of him though, but as soon as I have a word with him i will let you know. till then take really good care of yourself and as Whisper said, It's very frustrating. But don't give up..... best of luck.
----------------------------------------------
Jessica Smith
Essay Writing
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  #6  
Old 05-09-2011, 12:43 PM
daarrve daarrve is offline
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Default lupus CPP disability

My wife, Diane, has Lupus. We live in Ontario Canada. She is trying to get accepted for CPP disability. The doctors right across the board says yes she is disabled. The thing is this, her first claim was denied because she has not made enough contributions into CPP yet how can she if she cannot work? She received a letter and in it it stated that she did make contributions in 2002 and those contributions were refunded, and they were refunded by the Canada Revenue Agency, how can that be? We, or rather my wife needs help as she feels the "powers that be" are being a bit unrealistic. Thanks.

Dave
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Old 06-20-2011, 07:28 AM
John72 John72 is offline
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Location: Hamilton,Ontario
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Default Lupus & CPP disability

Quote:
Originally Posted by daarrve View Post
My wife, Diane, has Lupus. We live in Ontario Canada. She is trying to get accepted for CPP disability. The doctors right across the board says yes she is disabled. The thing is this, her first claim was denied because she has not made enough contributions into CPP yet how can she if she cannot work? She received a letter and in it it stated that she did make contributions in 2002 and those contributions were refunded, and they were refunded by the Canada Revenue Agency, how can that be? We, or rather my wife needs help as she feels the "powers that be" are being a bit unrealistic. Thanks.

Dave
We live in Ontario and my wife is in the same boat. By 2004, working was difficult, and then it took about 3 years to get a proper diagnosis. By that time she was diagnosed with Lupus, ITP, and they also found Mitral Valve stenosis. She applied for the CPP disability US equivalent,having imiigrated here in 1997, and was denied - too much time elapsed between the year she had to stop working (2 yr immigration period) and the formal Lupus diagnosis. We would get the same response from CPP I am sure. To make matters worse she was diagnosed with Stage 4 cancer beginning of 2010. I am pretty dissapointed it took so many years for the medical community to make the initial Lupus diagnosis, and then after 3 years of almost monthly visits to medical specialists for bloodwork etc nobody picked up on the cancer till early 2010.
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