Question by : How can insurance companies check your health records?
Fifteen years ago, I was at a rehab centre in Guelph, ON, for sex addiction.
About 6 years later, I applied for Long Term Disability Insurance, and was denied, as I had put “Addiction” and “Depression” on the form.
I am now covered (mandatory LTD coverage with my employer), but would like to raise my life insurance coverage.
Two questions I am concerned about are “Have I ever been in an institution, and “Have I ever been denied coverage”.
I had disputed the diagnosis (and was subsequently rediagnosed as not being a sex addict. In fact Sex addiction has never been part of the DSM, and has recently been found to
be non-existant at UCLA.) I did a check with MIB, and they have no files on me.

If I don’t answer no to the questions above, am I risking my beneficiary being denied a payment?

Best answer:

Answer by Roger M
You will be made to sign a release. They will know everything and will most likely deny your or give up very high rates. Good luck. I am in the same situation.

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