[Martina]

Have any of you been able to get life insurance with your Bipolar diagnosis? Where did you get it, and how much more does it cost?

I am in desperate need of it. I'm the main breadwinner for my family, I have a 4 year old daughter and I want her to go to college. If I die, they are screwed financially. Like an idiot, I didn't get coverage when she was born, before I was diagnosed. Now, no one will take me.

Originally Posted by Martina

Have any of you been able to get life insurance with your Bipolar diagnosis? Where did you get it, and how much more does it cost?

I am in desperate need of it. I'm the main breadwinner for my family, I have a 4 year old daughter and I want her to go to college. If I die, they are screwed financially. Like an idiot, I didn't get coverage when she was born, before I was diagnosed. Now, no one will take me.

Nope no one will give it to me, and I only wanted enough for burial.

Anyway cremation with no merorial and all that stuff they try to make the family guilty into getting...... Cremation is only several hundred.

[BNLsMOM]

I'll check with my company. I have one policy that I got when I got divorced that covers on eson and I put it off to cover the rest of my family. I'll have to see what they say.

[thinker22]

I hadn't even realized such a thing would be a problem. I'm lucky I got diagnosed after being with the same insurance for more than 6 months. I know trying to get new insurance would be impossible. But life insurance? Didn't occur to me that one day I'll be denied for having a chemical imbalance that's treatable through meds and therapy. That should be illegal. Let's hope healthcare reform comes with other forms of insurance reform. Why can't they give you life insurance with a "except in case of a suicide"? Isn't that the only worry with the bloodsuckers?

[BNLsMOM]

SBLI just told me that I will have to wait until I am stabilized and told me to wait about 6 months before I apply again. poop.

[spiritual_emergency]

Martina: I have a 4 year old daughter and I want her to go to college. If I die, they are screwed financially. Like an idiot, I didn't get coverage when she was born, before I was diagnosed. Now, no one will take me.

I can see how that could be a real concern for you. I went looking for some information and found a few articles that might be helpful...

• How a History of Mental Illness Can Affect Your Life Insurance
• How Impaired-Risk Specialists Find Life Insurance for People With Medical Problems

This link is from a site in the UK and laws will likely differ from the ones in your local jurisdiction, but it might also have some useful advice you could adapt to your own situation: Mind: Insurance and Mental Illness

Another possible option that might work for you...

A young man I know had been diagnosed with schizophrenia. Because he was off-meds and functioning well without them, he was able to successfully challenge his official diagnosis, which was changed to "drug-induced psychosis" -- a disorder largely considered to be temporary.

Depending on where you are in your recovery and the full scope of your history, symptoms, function, etc. you may be able to negotiate with your psychiatrist to "downgrade" your diagnostic label. In turn, this might make a difference to whether or not an insurance provider will accept you as a client.

You could also consider checking to see if there's any kind of advocate that offers legal support and advice in your area -- local support groups may know of someone or will have some additional ideas for you. It's possible that a national organization such as NAMI or MindFreedom might also be able to provide you with some information as related to securing life insurance.

Best of luck to you.

~ Namaste

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[dreamsofflight]

Several years ago when I was still married my husband had a life insurance guy come over to the house. He made us swab our mouths which duh I later realized was a DNA test. My husband got approved. I didn't (they knew my BP diagnosis). I think b/c after 3 years this company would pay for suicide which sadly we are at a risk for. Just recently (again, duh) I've wondered what was up w/that DNA test and what the hell did mine show!? Anyone know anything about this?

I hope you have better luck Martina and I really like your signature. I'm going to do the same. Keeps you from repeating yourself.