I have been in the process of getting a supplimental life insurance through Minnesota Life & VRS. Well today I called to find out the status and they told me I was denied because I was "recently diagnosed with sleep Apnea. They said I would have to be on CPAP for 6 months before they would consider me. This has totally been a nightmare. I wish I had never started this BS with my sleeping, now this is affecting my family.
Apnea disqualified me for life insurance!!!
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Apnea disqualified me for life insurance!!!
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try another insurance, they are a dime a dozen, try selectquote.com,
I have my term life through State Farm Life, had it since I was 21, of course I've paid into it way more than I ever will receive, and won't get to spend it when I do.... hey what a waste a money.
You could prove you have been using cpap for 6 months via reports, if you were on another therapy such as dental device, I don't know how you would go about proving that.
I have my term life through State Farm Life, had it since I was 21, of course I've paid into it way more than I ever will receive, and won't get to spend it when I do.... hey what a waste a money.
You could prove you have been using cpap for 6 months via reports, if you were on another therapy such as dental device, I don't know how you would go about proving that.
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Guest
If ever there was an incentive to be 100% compliant with your CPAP therapy over the next 6 months, you sure have it. I don't blame you for being upset. You took the bull by the horns, got diagnosed and started treatment, and now this. Try to look at it from this point of view: you went this long without supplemental life insurance; 6 more months will fly by.
Not only can insurance be affected, but I've heard some have had a hard time getting their driver's license renewed because of a diagnosis of sleep apnea.
The bottom line is this: untreated sleep apnea or being non-compliant with your therapy can damage more than just your health. It has far-reaching implications; including qualifying for life and health insurance and driving privileges. This is serious stuff. But once you have proved compliance via the DME or sleep doc viewing your machine usage, you are back in business. Not to mention the fact you are improving your health and prolonging your life!
Not only can insurance be affected, but I've heard some have had a hard time getting their driver's license renewed because of a diagnosis of sleep apnea.
The bottom line is this: untreated sleep apnea or being non-compliant with your therapy can damage more than just your health. It has far-reaching implications; including qualifying for life and health insurance and driving privileges. This is serious stuff. But once you have proved compliance via the DME or sleep doc viewing your machine usage, you are back in business. Not to mention the fact you are improving your health and prolonging your life!
Well in the past 2 months I have been compliant. I have been screwed out of sleep by CPAP, wasted endless money in gas and copays seeing doctors, picking up and dropping off machines and parts. Waking up way more than I ever did before. Now I can't qualify for life insurance. CPAP is affecting my job, I have to now find a bunk near an electrical socket that the cord actually will reach. It leaves wonderful marks on my face so now I get to face my patients with worse bedface than I ever had. I feel self conscious about going to bed with my wife now. I am friggan 29 years old, I have a 2 year old daughter. Now I may have surgery on my nasal passages which will affect my job even further. I am strong in my career as a firefighter and growing. I don't need this....It is intefering with my life. I see so may success stories and hear so many out there. Where is my success story? When will I have the best night sleep of my life? I never imagined my best night sleep attached to a hose and electrical outlet...I can't dream anymore...
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NightHawkeye
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Well, since you asked . . .froger25 wrote: I don't need this....It is intefering with my life. I see so may success stories and hear so many out there. Where is my success story?
You're damned lucky to have gotten the diagnosis of apnea while you're still young, before you age prematurely, before you end up with a litany of medical problems from which you might never recover, before you kill your wife and daughter because you've fallen asleep at the wheel.
Very lucky indeed! I wish I had been so lucky.
Regards,
Bill
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brasshopper
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bunk near the electrical outlet?
Get one of those 25 foot extension cords that reels in. Then you can sleep in a bunk that is not next to the outlet.
One more thing: Chances are you were actually waking up more without the CPAP than with it. The difference is in remembered arousals. That is, you are still considering the cpap as foreign, and there is a strong belief that the reason we sleep in cycles is because we partially rouse several times at night to check the environment. Most of the time we find nothing wrong and we don't even remember rousing. But sometimes we determine that there is some sort of threat and we wake all the way up to deal with it.
Now, these semi-rousals usually happen when we cycle, which is, in normal sleep, more than an hour per cycle? That is from memory.
Someone with apnea might rouse between 5 and 50 times per hour. Most people with apnea don't remember these rousals, but the rousal is what gets your throat tensed up and open so that you can breathe again.
Obviously the CPAP is irritating you. I suspect that this is a self fulfilling prophecy - you are consciously irritated by the CPAP, so when you rouse, part of normal sleep, the irritation wakes you all the way up. The difference is not in the number of rousals, it is in the remembering of the rousals.
In many ways, I'm glad I did not find this site until after I'd used CPAP for long enough to get comfortable with it. Then again, I'm not sure it would have made much difference - I've just been lucky in being able to easily comply with the use of the CPAP, without a humidifier or anything else. I recognize that I'm lucky and that not everyone is able to just put on a CPAP, use ramp for a couple months and then decide that CPAP was better without RAMP, not have mouth leaks, and so forth.
Can I tell you how to get where I am? I just don't know. Maybe I was lucky that I didn't know how hard it was to get compliance on CPAP, so I had no expectations of trouble.
It just takes time. Time and acceptance.
One more thing: Chances are you were actually waking up more without the CPAP than with it. The difference is in remembered arousals. That is, you are still considering the cpap as foreign, and there is a strong belief that the reason we sleep in cycles is because we partially rouse several times at night to check the environment. Most of the time we find nothing wrong and we don't even remember rousing. But sometimes we determine that there is some sort of threat and we wake all the way up to deal with it.
Now, these semi-rousals usually happen when we cycle, which is, in normal sleep, more than an hour per cycle? That is from memory.
Someone with apnea might rouse between 5 and 50 times per hour. Most people with apnea don't remember these rousals, but the rousal is what gets your throat tensed up and open so that you can breathe again.
Obviously the CPAP is irritating you. I suspect that this is a self fulfilling prophecy - you are consciously irritated by the CPAP, so when you rouse, part of normal sleep, the irritation wakes you all the way up. The difference is not in the number of rousals, it is in the remembering of the rousals.
In many ways, I'm glad I did not find this site until after I'd used CPAP for long enough to get comfortable with it. Then again, I'm not sure it would have made much difference - I've just been lucky in being able to easily comply with the use of the CPAP, without a humidifier or anything else. I recognize that I'm lucky and that not everyone is able to just put on a CPAP, use ramp for a couple months and then decide that CPAP was better without RAMP, not have mouth leaks, and so forth.
Can I tell you how to get where I am? I just don't know. Maybe I was lucky that I didn't know how hard it was to get compliance on CPAP, so I had no expectations of trouble.
It just takes time. Time and acceptance.
8 posts
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