Diability Quote...?

Mar 24, 2008

  1. TonyC
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    I have a friend who needs disability insurance. She just got turned down with Aflac. She's on Lexipro for several years now...and otherwise is in perfect health.

    She's 46 yrs old, non-smoker, professional.

    Anyone know who would accept her?
     
    TonyC, Mar 24, 2008
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  2. Duaine
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    You might try Assurant Voluntary Market: They have an individual Disability policy with 14 day wait that you can submit online.

    www.voluntarymart.com

    Hope that helps you.

    Duaine:noteworthy:
     
    Duaine, Mar 24, 2008
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  3. arnguy
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    I think Illinois Mutual has a disability policy for persons with some impairments that preclude them from qualifying for the full blown DI policy.
     
    arnguy, Mar 24, 2008
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  4. TonyC
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    ...the only impairments to her would be...mental depression.

    So what would the exclusions be?

    Suicide?...but that would be a permanent disability (sigh)

    She's never been admitted to a Psych ward....or hosipitalized for depression.

    Quite frankly...i don't understand why she was turned down By Aflac...
     
    Last edited: Mar 26, 2008
    TonyC, Mar 25, 2008
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  5. kheyknee
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    Colonial Life will issue her a short term disability policy up to $3,000 per month. Over that amount her prescription drug history comes into play. You would have to get her employer to offer the benefit.
     
  6. bluemarlin08
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    Many companies will consider her, find a disability specialist and split the case.
     
  7. VolAgent
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    Two years later, something tells me it is a completely different situation.
     
  8. arnguy
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    Merthinks you are late to the party! But thanks for the effort.
     
    arnguy, Sep 9, 2010
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