Loss of Medical Insurance

[AirportBum]

Anyone have this? How would something like a diabetes diagnosis be looked at from a long-term-disability aspect?

You would no longer be able to hold a 1st class medical, but it's not necessarily a traditional disability. I could easily see an insurance company denying this claim.

How do most of you protect against this? If it's even possible?

 

[Beechnut]

Bump!!!

 

[StarChecker]

How do most of you protect against this? If it's even possible?

It is possible to have LOL insurance. Just don't work for JetBlue and you'll be protected.

 

[FIREMAN]

Anyone have this? How would something like a diabetes diagnosis be looked at from a long-term-disability aspect?

You would no longer be able to hold a 1st class medical, but it's not necessarily a traditional disability. I could easily see an insurance company denying this claim.

How do most of you protect against this? If it's even possible?

If you are looking at a possible diabetes diagnosis, you can still get a First Class medical if you are not on insulin. You would be on the ground 3 to 6 months before getting your medical back.

 

[11daysoff]

If you have your union push the paperwork through, you may only be out 30-90 days after diagnosis depending on how your physician wants to treat you(exercise/diet vs. meds). ]Diabetes is no different than any other illness which prevents you from flying so LTD should cover you. You will not be social-security disabled so I'm sure your LTD company will want you to get a new job after a while since it's to their benefit. Any other questions, PM me.

 

[jtf]

It just depends on the specific insurance you have. A lot of policies are loss of medical and that would have to pay if you have diabetes. A lot of other supplemental insurance policies- like most of the Harvey Watts products only cover you for social security definition of disabled which means you only get money if you are crippled or sick enough that you can't do any kind of work. I guess you need to read the fine print to know whether or not you are covered.

 

[Amish RakeFight]

Type II can be cured procedurally through a gastric bypass operation. I believe it has to do with detaching the duodenum. All signs of diabetes disappear immediately and require no treatment (medicines) at all.

Unfortunately, at the moment the procedure is only for morbidly obese individuals and not yet approved for curing type II. But if you qualify for and receive the surgery, you'll be cured of type II diabetes.

 

[whatitdoing?]

Type II can be cured procedurally through a gastric bypass operation. I believe it has to do with detaching the duodenum. All signs of diabetes disappear immediately and require no treatment (medicines) at all.

Unfortunately, at the moment the procedure is only for morbidly obese individuals and not yet approved for curing type II. But if you qualify for and receive the surgery, you'll be cured of type II diabetes.

Are you serious? Isn't it because your pancreas doesn't PRODUCE insulin? Bypass or not, if it ain't producing, what does a freaking bypass do?

 

[Amish RakeFight]

Are you serious? Isn't it because your pancreas doesn't PRODUCE insulin? Bypass or not, if it ain't producing, what does a freaking bypass do?

Yep. Type II (acquired diabetes) can be cured.

http://www.cbsnews.com/stories/2008/04/17/60minutes/main4023451.shtml


Here's a snippet from the article:

"Well, they go home on no medication," he says. "And I've followed them now for 10 and 15 years, and see no evidence of recurrence. So, it's pretty darn close."

Studies confirm that about 80 percent of diabetics go into complete remission following the operation. Obesity is considered one of the major causes of type 2 diabetes, but here's something odd: when you have the gastric bypass operation, your diabetes goes away long before you lose the weight.

For Travis, the man who lost 260 pounds in seven months, it took "about a week and a half" before he was rid of diabetes and off all his medication.

Another male patient named Bill said it took him four days. "I went into the hospital on Friday, came home on Monday and dumped my pills," he told Stahl.

This spontaneous remission puzzled Italian surgeon Francesco Rubino, now at New York Presbyterian Weill Cornell Medical Center. "We wanted to know what is making diabetes remit. We thought it could have been something to do with the small bowel," Dr. Rubino says.

So he began performing the bypass on diabetic rats, and realized that when he disconnected the top of the small intestine, an area called the duodenum, the diabetes disappeared. Then, he reversed the operation.

When he reattached it, the diabetes came back.

This was a pivotal discovery. By merely blocking food from traveling through the duodenum, Rubino sent diabetes into remission, proving the effect was independent from weight loss. This meant diabetes could essentially be removed with a scalpel.

Dr. Rubino says this operation has been performed on humans.

 

[dispatchguy]

Dont tell my wife that diabetes can be cured with a scalpel, she'll want me under the knife pronto - but I am not morbidly obese...