Denied Health and Life Insurance

[Unregistered]

At one time several years ago I was denied health and life insurance because of a medical misdiagnosis. Later nn I was able to get both health and life insurance. I am thinking of not reporting this since it was based on bad information. Can being denied be traced? I just dont see the need to have something looked into farther than needed for no reason.

 

[AggieMike88]

More data please:

1) How long ago was the insurance denial?
2) What was the "misdiagnosed condition"?
3) What documentation was obtained (and hopefully retained by you) that over turned the incorrect diagnosis.

 

[Unregistered]

More data please:

1) How long ago was the insurance denial?
2) What was the "misdiagnosed condition"?
3) What documentation was obtained (and hopefully retained by you) that over turned the incorrect diagnosis.

I have all the info that over turned the diagnosis, it's prob been 5 yrs.

 

[jbarrass]

A life insurance denial for sure remains in the MIB for 7 years. For a copy of what's in yours, call 1-866-692-6901. Free once per year.

 

[JeffDG]

Before you consider just saying "No" to the question on the form thinking that the record of such denial is purged, review 18 USC 1001

 

[JeffDG]

a little off base dont ya think, not exactly a martha stewart type crime

If you make a false or misleading statement of a material fact to the feds, you are subject to imprisonment for up to 5 years.

Your call if you want to go there.

 

[comanchepilot]

a little off base dont ya think, not exactly a martha stewart type crime

it is EXACTLY a Martha Stewart crime.

How you ever been denied life insurance?

Yes.

Explain:

My doctor diagnosed me with hoof and liver disease. It's rare. I went to a specialist who told me after extensive testing that I did not have hoof and liver disease. My insurer denied me because I had been diagnosed with hoof and liver disease.

Oh, ok, send me the records showing you never had hoof and liver disease.

Why would you ever consider lying to the feds over something as stupid as that?

 

[JeffDG]

Well that would be about the time Obama is out of office so it cant be much worse in prison

so back to my question

I guess MIB is the place to check and see if they are on record?

You presume that because a record is gone from one place that it's gone from all records?

Let me give you an example of how this doesn't work out so well. I'm a Canadian, been living here since 2007, but in the past, lots of folks got into trouble travelling to the US.

They'd get caught with some kind of drug, get convicted, and find out that the US wouldn't let them in with it. So, they'd apply for, and receive, a pardon for the crime, only to learn that the US maintained their own database, and once the conviction showed up on the record, the border folks had that record forever...moreover, because of the pardon, the record of the conviction was now sealed, so applying for a waiver of inadmissibility was almost impossible to do now, as you could not get the records of the original conviction to submit.

 

[comanchepilot]

No it is far from a Martha Stewart Crime, but point taken

Martha Stewart was convicted of lying to federal agents.

you would be lying to an AME who would be? Hmmmm. A federal 'agent?'

She violated no other laws. It is exactly a Martha Stewart moment. The problem that I have is that you have no choice if you want to fly - if you chose not to speak to a cop you can avoid a charge of lying to a federal agent - but here you must fill out the form.

 

[geneseib]

At one time several years ago I was denied health and life insurance because of a medical misdiagnosis. Later nn I was able to get both health and life insurance. I am thinking of not reporting this since it was based on bad information. Can being denied be traced? I just dont see the need to have something looked into farther than needed for no reason.

If someone says it can't be traced, how will you know they're not a liar?

 

[Henning]

show me one case where someone got 5 years for leaving something out on their FAA medical history, just 1

Ooo, not a good bet there buddy, in fact, there has been more than one 'round up' run on FAA medical histories.

 

[comanchepilot]

it is your lifestyle - your choice. Choose wisely.

 

[TMetzinger]

If this is as straightforward as you claim, just report the denial, put down the explanation, bring documentation.

If maybe it's NOT as straightforward as you claim, send Dr. Bruce a PM, and ask him to review your case. He'll be able to tell you if there will be an issue.

No matter what, DON'T lie on the form (even by omission). You'll end up sorry and sore and without a medical certificate.

 

[bbchien]

a little off base dont ya think, not exactly a martha stewart type crime

No. Not at all. This is serious stuff.

 

[poadeleted20]

a little off base dont ya think, not exactly a martha stewart type crime

No, I don't think. Folks have been prosecuted under that statute for lying on FAA medical applications before. Probably wouldn't happen in this case, as it didn't also involve criminal fraud, but at least in theory, it's possible. In any event, both the question on the form and the instructions for the form are clear, and if you lie about it and they catch you (and it's really not that hard for them to do that), it's the aviation equivalent of the death penalty. OTOH, if you can document the misdiagnosis, I suspect it's a nonissue -- Bruce can confirm.

 

[Everskyward]

Several posts in this thread were deleted because of abuse of the "unregistered" feature. This feature is provided in order for posters to reveal what could be sensitive information, not for hiding behind it to make comments.

 

[comanchepilot]

You presume that because a record is gone from one place that it's gone from all records?

Let me give you an example of how this doesn't work out so well. I'm a Canadian, been living here since 2007, but in the past, lots of folks got into trouble travelling to the US.

They'd get caught with some kind of drug, get convicted, and find out that the US wouldn't let them in with it. So, they'd apply for, and receive, a pardon for the crime, only to learn that the US maintained their own database, and once the conviction showed up on the record, the border folks had that record forever...moreover, because of the pardon, the record of the conviction was now sealed, so applying for a waiver of inadmissibility was almost impossible to do now, as you could not get the records of the original conviction to submit.

wow, you couldn't get your own records? That seems a little harsh. I'd move to quash the record of inadmissibility since there is no conviction. Their records are simply wrong. worth a try anyway.

 

[Unregistered]

I've been wondering about this question as well.

Apologies if my question is hijacking this thread, but in my case I was denied individual health insurance just after college, more than 10 years ago. (not employee-sponsored, I was unemployed and just wanted some basic coverage).

My denial letter stated I was denied on that basis of having indicated that:
• I was a smoker that that time.
• I had childhood asthma.

I've long since forgotten how the question was worded (Do you have vs. have you ever had), but in any case I've not had symptoms of asthma since childhood.

This denial was actually my reason for quitting smoking, which I did immediately thereafter, so I guess that's a good thing.

I have not had a problem obtaining insurance since then.

Will this be an issue?

Cheers,
-B

 

[JeffDG]

wow, you couldn't get your own records? That seems a little harsh. I'd move to quash the record of inadmissibility since there is no conviction. Their records are simply wrong. worth a try anyway.

Wasn't me (or I wouldn't be here!)

But yeah, when they issue the pardon, they seal the records up tight. But such a declaration has no force or effect outside the sovereign territory of Canada, so the US is free to maintain their copy of the records (they share criminal records info with the RCMP reciprocally).

 

[bbchien]

I'm done with this string and the potshots.
I have witnessed the United States Marshall Service in repossession action. They are very professional. Very. They will come to your place of work and they WILL have their way.

The anons can have their attitude. Whadda bunch of maroons.

 

[comanchepilot]

Wasn't me (or I wouldn't be here!)

But yeah, when they issue the pardon, they seal the records up tight. But such a declaration has no force or effect outside the sovereign territory of Canada, so the US is free to maintain their copy of the records (they share criminal records info with the RCMP reciprocally).

I understood that - the 'you' was intended in the third person. . .