Does anyone know if it's possible to get life insurance for someone with a mental disability, similar to CP?


Question:
My brother has a disability similar to Cerebral Palsy and I am his guardian since our mom passed away. I have heard that most insurance companies wont cover him, but am wondering if anyone has been successful or knows of any companies that would cover him. Thank you.

Answers:
It will depend on where you live, and if your brother works at all. Different States in the USA have different rules, but the ADA helps get coverage through work. If he doesn't work, you will need to apply for coverage through your State.

D.S.


I. INTRODUCTION

The interplay between the nondiscrimination principles of the ADA and employer provided health insurance, which is predicated on the ability to make health-related distinctions, is both unique and complex. This interplay is, undoubtedly, most complex when a health insurance plan contains distinctions that are based on disability. The purpose of this interim guidance is to assist Commission investigators in analyzing ADA charges which allege that a disability-based distinction in the terms or provisions of an employer provided health insurance plan violates the ADA.1 This interim guidance does not address the application of the ADA to other issues arising in the context of employer provided health insurance. Nor does it address the application of the ADA to other types of "fringe benefits," such as employer provided pension plans, life insurance, and disability insurance. These subjects will be addressed in future documents.
please try this
<a href="http://www.anrdoezrs.net/click-1748196-1... target="_top">help!</a>
I am not sure what country you are in, if you are in Australia, you can email me through Answers and I might be able to give you some information.
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