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Your Service-connected Disability And Life Insurance.


Domepeace
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Question

Hypothetical...

If you have a service-connected disability (high blood pressure), and you apply for outside life insurance (in which the premiums would be through the roof), can this play a part in refilling a claim?

I know some people that are virtually non-insurable because of high blood pressure. To my understanding, VA will only shell out (at the most) 60% for high blood pressure. I also understand that if a person passes away from their service-connected disability, the surviving spouse receives the monthly D.I.C.

Has anyone ever filed a claim secondary to high blood pressure for being unable to secure "affordable" life insurance?

Thanks,

Domepeace

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It would be a possible argument.

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I don't know what part it played, but I tried to donate blood and the clinic wouldn't take it because of my conditions. I submitted the rejection letter into my file. I have 100% x3, 70%, 60% 50%, 30% 10%, and 0% now.

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Dome..

I think medical evidence is medical evidence. If you applied for life insurance, and the insurance company has a doctor or nurse take your blood pressure, then denies your life insurance (or charges you an extra premium for high risk (hi blood pressure), then I think you can submit that Doctors report of high blood pressure as medical evidence for your claim.

However, IMHO, an insurance company's assessment of your health condition, that is, that they charge you more for life insurance because of your health conditions, is unlikely to be "additional evidence"..the docs report would qualify as an IMO, but the insurance company assessment would not be evidence.

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TITLE 38 - PENSIONS, BONUSES, AND VETERANS' RELIEF

CHAPTER I - DEPARTMENT OF VETERANS AFFAIRS

PART 3 - ADJUDICATION

subpart a - PENSION, COMPENSATION, AND DEPENDENCY AND INDEMNITY COMPENSATION

3.310 - Proximate results, secondary conditions.

(a) General. Except as provided in 3.300©, disability which is proximately due to or the result of a service-connected disease or injury shall be service connected. When service connection is thus established for a secondary condition, the secondary condition shall be considered a part of the original condition.

(:rolleyes: Cardiovascular disease. Ischemic heart disease or other cardiovascular disease developing in a veteran who has a service-connected amputation of one lower extremity at or above the knee or service-connected amputations of both lower extremities at or above the ankles, shall be held to be the proximate result of the service-connected amputation or amputations.

7101 Hypertensive vascular disease (hypertension and isolated systolic hypertension):

Diastolic pressure predominantly 130 or more 60

Diastolic pressure predominantly 120 or more 40

Diastolic pressure predominantly 110 or more, or; systolic pressure predominantly 200 or more 20

Diastolic pressure predominantly 100 or more, or; systolic pressure predominantly 160 or more, or; minimum evaluation for an individual with a history of diastolic pressure predominantly 100 or more who requires continuous medication for control 10

Note (1): Hypertension or isolated systolic hypertension must be confirmed by readings taken two or more times on at least three different days. For purposes of this section, the term hypertension means that the diastolic blood pressure is predominantly 90mm. or greater, and isolated systolic hypertension means that the systolic blood pressure is predominantly 160mm. or greater with a diastolic blood pressure of less than 90mm.

Note (2): Evaluate hypertension due to aortic insufficiency or hyperthyroidism, which is usually the isolated systolic type, as part of the condition causing it rather than by a separate evaluation.

Note (3): Evaluate hypertension separately from hypertensive heart disease and other types of heart disease.

The cost of insurance is a situation not a disability. Therefore, it does not qualify as a secondary condtion. You can file for an increase if your hypertension has gotten worse.

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