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• RP, a congenital disease?
• Posted: 2008-03-08 19:18:39 By Luis G
• Hi all,
  
  If RP is a genetic disease does it mean it is a congenital one?
  
  I'd like to know if insurance companies in the US exclude or not genetic or congenital diseases. Well, I have just realized that my company contracted a life insurance and also bought an additional coverage for total and permanent disability. I wonder if advanced RP can be considered as a total and permanent disability, and if insurance companies (at least in the US) includes it in their list of conditions.
  
  Hope to hear from you, greetings
  
  Luis G.

• Re: RP, a congenital disease?
• Posted: 2008-03-09 03:47:29 By Darran Z
• Luis,
  
  That's a question that has a very complex answer.
  
  In simple terms, yes RP is congential because it isn't acquired.
  
  However, the insurance issue is tricky because it depends upon how the contract is written. Some people do get disability through their work insurance policy without questions. Some will go through alot of red tape and some will not get it at all. So the best answer would be to read the underwriting and understand the contract of the insurance policy. That's as best as I can get without knowing details of that policy.
  
  Darran

• Re: Re: RP, a congenital disease?
• Posted: 2008-03-09 14:41:18 By Luis G
• Thank you Darran for your response. Yes, Ii is necessary to know the policy terms before speculating.
  
  Greetings,
  
  Luis G.

• Re: Re: Re: RP, a congenital disease?
• Posted: 2008-03-18 14:45:55 By andrew b
• The trick is to see if your policy discerns "pre-existing" conditions. Many times you can add a rider to specifically cover RP, but your rate would be very high, so it'd likely amount to being simply a savings plan rather than having incremental benefit. The reason for this is that with RP they will write the policy that you have a 100% chance of being out of work.

• Re: Re: Re: Re: RP, a congenital disease?
• Posted: 2008-03-25 23:31:18 By Luis G
• Hi Andrew:
  
  What is that of "pre-existing" conditions? I understand that some insurance companies consider "pre-existing" conditions as those that previously were covered by other insurance companies before the life of the current policy.
  
  I've been investigating about the coverage of the current policy and found that the insurance company will only require a dictum of long term disability from by the National Social Security Institute and that is it; BUT it seems that in order to obtain such a dictum a long way I will have to walk (once my visual acuity very deteriorated).
  
  Best regards,
  
  Luis G.