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aethelred123 | What happens if I don't notify my life insurance company of depression and I die? |
Will they have a means to find it out (it's registered in my GP's documentation)? Will they not pay my family? Do you know who I can ask about it confidentially?
Additional Details
Will they have a means to find it out (it's registered in my GP's documentation)? Will they not pay my family? Do you know who I can ask about it confidentially?
Thanks for all the answers so far. To clarify my situation: I already have this insurance and the depression started a few months after I applied and signed the insurance. Also, I live in Australia, so things might be a bit different here. |
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Insurance
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If the word "depression" appear in the exclusion clause in your policy than the insurance company can deny the death claim. But most insurer dun have that clause, but "Suicide" is excluded for a period of time. (differ from insurers)
Suicide is an exclusion clause in most policy. Meaning the insurer won't pay the beneficiaries if the cause of death is suicide.
If the insurer don't classify "depression" as a type of mental disorder than it is OK during your application.
You need to check with your agent on how your insurer classify "depression". and how your GP's documentation worded.
Insurers are smart in getting all the medical documentations before they processs the claims. Its is good to declare everything upfront. |
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HotRiverMama
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Most policies will not pay for suicide in the first 2 years of writing the policy. However, after that, the death benefit will go to the beneficiary.
Any purposely, undisclosed health problems can cause investigation on the policy in the event of a pay out.
If you wrote the policy before you were diagnosed or prescribed any medicine they can't go back on it. That's what great about life insurance: any kind of disease that comes along after the policy is written (and leads to death) is just that: a cause of death.
Bottom line: unless you were intentionally dishonest about depression during the application process or if you commit suicide w/in 2 years of the policy start date your beneficiaries should collect. |
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skipper
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Do people die from depression, or do they die from suicide as a result of their depression. Life insurance isn't paid on suicide deaths. |
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natethenorsk
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First of all, in some states, life carriers must cover suicide. For example, policies issued in Colorado must cover you for suicide after 2 years of the policy being in force, by Colorado law. But, I don't think that was the point of your question.
If you were depressed before you applied or during the time of your application for coverage, and you did not disclose it, the carrier will contest the death claim, saying that you made a fraudulent misstatement. If you were depressed but did not know it at the time of application, you made a misstatement that was not fraudulent, and your family's claim would be paid. If you were not depressed before or at the time of application, but became depressed after, you are covered. If the insurance company knew you were depressed but chose to cover you anyway, you are covered.
Even if you lied on your application, you will be covered after a certain period of time has elapsed, the length of which depends upon the state of issuance. In Colorado, the incontestibility clause is 2 years.
If you wish, you can ask your state's department of insurance, and they could tell you. If you feel more comfortable, don't disclose your name to them. |
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Security Lady
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Okay you should advise them so it is disclosed. They only way I see that they can not pay you is if you commit suicide- which I pray you are not considering. If you really want to know- call the company you use and ask for a quote. LIE and tell them that you are getting it for a family member and she/he had problems with a policy due to depression and then ask them their policies on it. Also- take out the policy you have for yourself and really read the guidelines- if there is something like that call and ask them to clarify what it means- they can't assume just because you finally read it that you have a problem. And please consider a therapist to help you out. |
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John
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If you kill yourself, they wouldn't pay your family. |
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kikidismom
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When you apply for life insurance, you have to fill out an application. If you answer the questions truthfully, there is no problem ever. Not sure exactly what you are getting at b/c I seriously doubt they can ask you on a questionairre if you have ever been diagnosed as having a mental illness, but they probably can ask you if you have ever been hosptialized for a mental illness. If the answer to the question is yes and you said "no" then state law varies. Some say that if you die w/in 2 years from the condition that you failed to disclose then the insurance company can void the payment that would normally be due to your hiers b/c of fraud and then reimburse them for the premiums you paid. If you die later from another condition or it is more than 2 years after you took the policy out, they probably don't have any recourse and owe the money on your death to your hiers. For what it's worth, about 30% of the adult population in the US is on anti-depressants at one time or another in your life, so notes in your GP's file that you had depression isn't going to trigger any flags anywhere and I can't imagine a situtation that would let them or lead them to look at your GP's records unless you are applying for more than $1,000,000 in life insurance. Hope that helps. |
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laxmi s
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These factors are known to correlate with PPD. That means that, for example, high levels of prenatal depression are associated with high levels of postpartum depression, and low levels of prenatal depression are associated with low levels of postpartum depression. But this does not mean the prenatal depression causes postpartum depression -- they might both be caused by some third factor. In contrast, some factors, such as lack of social support, almost certainly cause postpartum depression. (The causal role of lack of social support in PPD is strongly suggested by several studies, including O'Hara 1985, Field et al. 1985 |
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mbrcatz
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OK, if you omitted it on the application, they don't have to pay if you suicide.
It's going to depend heavily on the cause of death. But there could be a suicide exclusion in your policy, or the first three years if something like that was ommitted, they don't have to pay out.
Yes, they can pull your medical records and find out. They won't bother, until after death - and even then, only if it was a suspicious death. |
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