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Question about medical insurance/disability if terminal illness involved...?


My mother was diagnosed with inoperable pancreatic cancer 2 months ago and given approx a year with chemo. Unfortunately, her liver couldn't handle the chemo, and she has been taken off her chemo. She had only short-term disability through her job, which she paid extra for. That short-term disability expires January 15. She has no long-term. Not good news. Her salary isn't what concerns me. She has medical insurance through her place of employment and also two different life insurance policies. One of the policies is furnished by her job. It equals to the amount of one year of her salary. The other, is one she paid extra for, through the same company as her medical insurance...I believe.

My question is...if her doctor continues to approve her time away from work...which he said he would as long as her cancer is inoperable, will she continue to be able to receive her benefits from her job(medical insurance, life insurance, ect...)?

She'll have to pay for the insurance via Cobra, and convert the life insurance policy. It can be done, she just has to pay for it. But the rates and coverage, will be locked in as they are now.

My dad passed from Pancreatic Cancer 6 years ago, so first off I am very sorry your Mom has this disease. As for the insurance, the only thing I can think to do is call them and ask. I hope that you live close to your Mom because you need to be spending every moment you can with her right now because her time is VERY limited.
The web site below helped me so much with a lot of the medical questions I had about my dad. Maybe they might be able to help you with insurance/benifit questions.

You will need to contact her employer, and get copies of the policies that they offered. The life policies might have a waiver of premium benefit, this has a six month waiting period. So you will need to pay for six months, then they will waive the cost.

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