My Crohn's and Colitis Blog » Crohns Symptoms » Life Insurance problem w/ CD
Life Insurance problem w/ CD
Question:
Hi- I have UC for 9 years now BCIR. My grandmother also had IBD, so far my son shows no signs and I pray NEVER does.
Response:
My daughter was diagnosed at 3 months of age at John’s Hopkins, My wife has it, My wife’s sister has it. Their father has it. Cedar Sinai out in LA has identified three suspect genes as part as part of the human gene mapping project. – Hide quoted text — Show quoted text – Sue, I don’t think your results are accurate. As far as I’ve read in the 2months I’ve been enjoying this Newsgroup, I’m seeing something like 80%+ IBD symptoms showing in contributors children. Lots and lots of recent posts in this group about expectant mothers and new mothers. So lets see, mommies and daddies who suffer from any IBD, please a quick response on if your children are showing or have IBD’s of any type? Lets do our own little survey, could be very educational for all…. Grundman
Response:
- Hide quoted text — Show quoted text – So lets see, mommies and daddies who suffer from any IBD, please a quick response on if your children are showing or have IBD’s of any type? Lets do our own little survey, could be very educational for all…. No signs yet, thank G-d. BTW nobody else in my family has any kind of IBD. Be well, Hadass (posted & mailed) — National Research Council of Canada Phone: (204) 984 – 4535 Institute for Biodiagnostics Fax: (204) 984 – 7036 435 Ellice Avenue, Winnipeg,MB,R3B 1Y6 http://www.ibd.nrc.ca/~eviatar Obligatory disclaimer: NRC wouldn’t dream of saying a thing like that.
To whom it may concern: I was diagnosed with crohns at 25, my sister was diagnosed at 18 and my dad has uc-I had two children and one who is now 4 presented with crohns symptoms at 2WEEKS OF AGE. She was scoped at Johns Hopkins at 3 mos and the pathologist thought she was someone who had crohns for 20 yrs-she was inflammed from throat to butt. From their study they have concluded when their is a familial link-that each generation gets is worse then the one before. Also they believe now she has a crohns type unique only to her. Good Luck to everyone who lives with this lousy disease.
Response:
I have one son, age 10, who was diagnosed with Crohns at age 4…… – Hide quoted text — Show quoted text – So lets see, mommies and daddies who suffer from any IBD, please a quick response on if your children are showing or have IBD’s of any type? One child 7 years old NO. But Once in a while I worry that some day she might. — Paul Roue 105 W. 2nd Ave N. Aurora MN 55705 NALC Member Br. 5213 Hoyt Lakes, MN 55750 NRA Life-Member "If you cannot answer a man’s argument, do not panic. You can always call him names." Oscar wilde
Response:
A: If you have Crohn’s Disease, there is a 5% chance that one of your first-degree relatives (parent, child, sibling) will develop either Ulcerative Colitis (UC) or Crohn’s Disease (CD) in their lifetime. The chance that a first-degree relative of yours w ould develop IBD (either Ulcerative Colitis or Crohn’s Disease) is lower (less than 2%) if you have Ulcerative Colitis. These percentages are slightly higher in Jewish families and in those families where multiple members are already affected by IBD."
Thanks, Sue, that’s very comforting to know! We are Jewish, but OTOH I have UC, so let’s hope we beat the percentages … Be well, Hadass (posted & e-mailed) — National Research Council of Canada Phone: (204) 984 – 4535 Institute for Biodiagnostics Fax: (204) 984 – 7036 435 Ellice Avenue, Winnipeg,MB,R3B 1Y6 http://www.ibd.nrc.ca/~eviatar Obligatory disclaimer: NRC wouldn’t dream of saying a thing like that.
Response:
– Sue, I don’t think your results are accurate. As far as I’ve read in the – 2months I’ve been enjoying this Newsgroup, I’m seeing something like – 80%+ IBD symptoms showing in contributors children. Lots and lots of – recent posts in this group about expectant mothers and new mothers. – – So lets see, mommies and daddies who suffer from any IBD, please a quick – response on if your children are showing or have IBD’s of any type? – – Lets do our own little survey, could be very educational for all…. I’ve had Crohn’s disease for 50 years, most of it undiagnosed as such. No one in my ancestry has any form of IBD, and neither does my daughter. Charles
Response:
Sue, I don’t think your results are accurate. As far as I’ve read in the 2months I’ve been enjoying this Newsgroup, I’m seeing something like 80%+ IBD symptoms showing in contributors children. Lots and lots of recent posts in this group about expectant mothers and new mothers. So lets see, mommies and daddies who suffer from any IBD, please a quick response on if your children are showing or have IBD’s of any type? Lets do our own little survey, could be very educational for all…. Grundman
People on this NG my not represent the majority of IBD sufferers. You can’t always base your conclusions on what you know. We may not be a random sample. to reply remove nospam from address
Response:
I have IBD and so does my sister. We’re pretty sure our father had it, too. Four of my five children show a tendancy toward cramps and diarrhea, three of them enough that it has affected their lifestyles–though one of these seems to have outgrown it. Two of my children presently take over the counter Imodium daily and have for over a year. I have discussed this with my doctor and it was his suggestion not to put them through diagnostic tests at this time and to use the Imodium. The younger of these two was also diagnosed with giarrdhia (sp.?) four years ago and was treated with Flagyl twice at that time. Kathy
Response:
So lets see, mommies and daddies who suffer from any IBD, please a quick response on if your children are showing or have IBD’s of any type?
One child 7 years old NO. But Once in a while I worry that some day she might. — Paul Roue 105 W. 2nd Ave N. Aurora MN 55705 NALC Member Br. 5213 Hoyt Lakes, MN 55750 NRA Life-Member "If you cannot answer a man’s argument, do not panic. You can always call him names." Oscar wilde
Response:
In article , Grundman says… So lets see, mommies and daddies who suffer from any IBD, please a quick response on if your children are showing or have IBD’s of any type? Lets do our own little survey, could be very educational for all…. Grundman
Pam and I haven’t noticed any symptoms of IBD in our three children and we have been watching. However, she has a half brother who has CD and a half sister being treated for UC. Neither her full brother or sister have ever had any problems, tho. Bryce
Response:
Ok I get it. Their making a distinction between that which is wholly genetic and that which is multifactorial (genetic and environment, etc). Perhaps it is the medical folks that divide it up that way. Sometimes the hard science people don’t make the same distinctions. The whole spectrum of genetic factors is a little grayer than one or the other. (for example some dominant genes, one in which you only need one copy of the gene, may not be fully penetrant, i.e. the genes effect works 80% of the time instead of 100%). Then you get into diseases that are affected by numerous genes like heart disease seems to be and it can be a mess trying to sort it all out. I know the best way to get what % is purely genetic and what % is environmental are twin studies. (compare prevelance in identical, fraternal, and regular siblings). I don’t know if that’s been done with IBD’s or not.
Response:
Grundman, Here’s what the University of Chicago IBD Clinical Research Center has to say about this as quoted from their Winter 1997 IBD News Digest. As U.Chicago is one of the top research centers in the US on IBD, I tend to believe their stats. "Q: I have been recently diagnosed with Crohn’s Disease, and my husband and I are planning a family. What is the risk that I will "pass this on" to my children? A: If you have Crohn’s Disease, there is a 5% chance that one of your first-degree relatives (parent, child, sibling) will develop either Ulcerative Colitis (UC) or Crohn’s Disease (CD) in their lifetime. The chance that a first-degree relative of yours w ould develop IBD (either Ulcerative Colitis or Crohn’s Disease) is lower (less than 2%) if you have Ulcerative Colitis. These percentages are slightly higher in Jewish families and in those families where multiple members are already affected by IBD." – Hide quoted text — Show quoted text -Sue, I don’t think your results are accurate. As far as I’ve read in the 2months I’ve been enjoying this Newsgroup, I’m seeing something like 80%+ IBD symptoms showing in contributors children. Lots and lots of recent posts in this group about expectant mothers and new mothers. So lets see, mommies and daddies who suffer from any IBD, please a quick response on if your children are showing or have IBD’s of any type? Lets do our own little survey, could be very educational for all…. Grundman
Response:
– Hide quoted text — Show quoted text – Crohn’s is considered familial, not hereditary. One of the reasons for this distinction, I think the major reason, is that a very low percentage of children who have parents with IBD actually develop IBD themselves. What is the distinction? I haven’t ever heard that one as a geneticist, so I’d like to know what you mean. There are any number of examples in genetics where the children do not exhibit the traits of one or more of their parents. The most stricking of which is parents which have two people who are little people having a normal sized child. (and they are little due to a genetic problem that effects the skeleton)
That distinction is in all the literature, so I’m really surprised you haven’t heard of it. The way CCFA explains it, there is "an absence of typical patterns of distribution in the family", and "the laws of Mendelian inheritance as we know them do not seem to apply to these illnesses". The reason for this is thought to be that IBD, rather than being strictly genetic in origin, will turn out to be a combination of a genetic tendency(s) and environmental factor(s). I would gather in your example that Mendelain inheritance rules apply, ie. that the parents have normal genes for the skeleton that get passed on to their children, much in the way that 2 people with AO blood can have a type 0 child?
Response:
I also recently was told that having CD would cost me much more money when getting life insurance. I was told it was due to the other complications that it causes, like bleeding, affects of meds on organs, etc. I was quite upset with this. I am being treated as if I am terminal for having an illness that is not terminal. I was also told that I could go about applying for insurance without disclosing my CD and hope I don’t die within the usual 2 year period after the policy is written. After two years they don’t investigate a death. Janet – Hide quoted text — Show quoted text – Crohn’s is considered familial, not hereditary. One of the reasons for this distinction, I think the major reason, is that a very low percentage of children who have parents with IBD actually develop IBD themselves. I’ve recently applied for a new life insurance policy and never thought my having Crohn’s would have an impact on it. My agent just called me to tell me that they will insure me but at a much higher rate because Crohn’s disease affects my "mortality rate". They also will not insure my 2 year old son because they say it is hereditary. I have done a large amount of reading in the 9 years since I’ve been diagnosed with Crohn’s and I don’t agree with what they’re saying. I’ve never read anything about it affecting my mortality and I’ve always heard that they don’t know the cause or if it is indeed hereditary. Does anyone have any similar experiences? If so, how have you resolved them? Thanks in advance. Karen in NJ
Response:
I was told that Crohns isn’t "heriditary" also…..I wasn’t convinced when my only child was diagnosed at age 4…… I had already purchased life insurance on him before that so I still have coverage, but recently I had an opportunity to increase the amount of coverage and I had to update his medical history….Well they sent me my check back and refused to increase his coverage because of his diagnosis. They did let me keep the amount of – Hide quoted text — Show quoted text – Crohn’s is considered familial, not hereditary. One of the reasons for this distinction, I think the major reason, is that a very low percentage of children who have parents with IBD actually develop IBD themselves. I’ve recently applied for a new life insurance policy and never thought my having Crohn’s would have an impact on it. My agent just called me to tell me that they will insure me but at a much higher rate because Crohn’s disease affects my "mortality rate". They also will not insure my 2 year old son because they say it is hereditary. I have done a large amount of reading in the 9 years since I’ve been diagnosed with Crohn’s and I don’t agree with what they’re saying. I’ve never read anything about it affecting my mortality and I’ve always heard that they don’t know the cause or if it is indeed hereditary. Does anyone have any similar experiences? If so, how have you resolved them? Thanks in advance. Karen in NJ
Response:
So lets see, mommies and daddies who suffer from any IBD, please a quick response on if your children are showing or have IBD’s of any type?
I have Crohn’s. My children are now 26 and 23 and no symptoms at all. Paul
Response:
Knock on wood – my daughter is as healthy as an ox. Much healthier than I was in my childhood. She’s 8 though and my CD didn’t show up until I was in my 30’s.
Good point, Lyn. My UC crept on me in my mid-twenties. If my son has a somewhat healthier lifestyle than I did at that age (I lived on coffee and cigarettes, heaven help me) he may well escape anyway. Be well, Hadass (posted & e-mailed) — National Research Council of Canada Phone: (204) 984 – 4535 Institute for Biodiagnostics Fax: (204) 984 – 7036 435 Ellice Avenue, Winnipeg,MB,R3B 1Y6 http://www.ibd.nrc.ca/~eviatar Obligatory disclaimer: NRC wouldn’t dream of saying a thing like that.
Response:
Crohn’s is considered familial, not hereditary. One of the reasons for this distinction, I think the major reason, is that a very low percentage of children who have parents with IBD actually develop
IBD themselves. What is the distinction? I haven’t ever heard that one as a geneticist, so I’d like to know what you mean. There are any number of examples in genetics where the children do not exhibit the traits of one or more of their parents. The most stricking of which is parents which have two people who are little people having a normal sized child. (and they are little due to a genetic problem that effects the skeleton)
Response:
As far as I’ve read in the 2months I’ve been enjoying this Newsgroup, I’m seeing something like 80%+ IBD symptoms showing in contributors children. Lots and lots of recent posts in this group about expectant mothers and new mothers.
So lets see, mommies and daddies who suffer from any IBD, please a quick response on if your children are showing or have IBD’s of any type?
What you may not realize is that some of the contributors with children do not have IBD – but are reading the group because their children have IBD. Of the specific contributor’s children I can think of with IBD (mine included), that is the case. Parents DON’T have IBD – kids DO. So, the fact that 80%+ of the posts about contributor’s kids indicate symptoms only indicates that parents of kids with IBD look for information and support – just like individuals with IBD look for information and support. It doesn’t necessarily mean that the parents have IBD themselves. Nancy Non-commercial HOTMAIL, JUNO, or MSN users can contact me at above.
Response:
Knock on wood – my daughter is as healthy as an ox. Much healthier than I was in my childhood. She’s 8 though and my CD didn’t show up until I was in my 30’s. — Lyn Wall To reply by e-mail: Remove the "xxx" from the reply address. – Hide quoted text — Show quoted text – Sue, I don’t think your results are accurate. As far as I’ve read in the 2months I’ve been enjoying this Newsgroup, I’m seeing something like 80%+ IBD symptoms showing in contributors children. Lots and lots of recent posts in this group about expectant mothers and new mothers. So lets see, mommies and daddies who suffer from any IBD, please a quick response on if your children are showing or have IBD’s of any type? Lets do our own little survey, could be very educational for all…. Grundman
Response:
Sue, I don’t think your results are accurate. As far as I’ve read in the 2months I’ve been enjoying this Newsgroup, I’m seeing something like 80%+ IBD symptoms showing in contributors children. Lots and lots of recent posts in this group about expectant mothers and new mothers. So lets see, mommies and daddies who suffer from any IBD, please a quick response on if your children are showing or have IBD’s of any type? Lets do our own little survey, could be very educational for all…. Grundman
Response:
So lets see, mommies and daddies who suffer from any IBD, please a quick response on if your children are showing or have IBD’s of any type? Lets do our own little survey, could be very educational for all….
No signs yet, thank G-d. BTW nobody else in my family has any kind of IBD. Be well, Hadass (posted & mailed) — National Research Council of Canada Phone: (204) 984 – 4535 Institute for Biodiagnostics Fax: (204) 984 – 7036 435 Ellice Avenue, Winnipeg,MB,R3B 1Y6 http://www.ibd.nrc.ca/~eviatar Obligatory disclaimer: NRC wouldn’t dream of saying a thing like that.
Response:
Crohn’s is considered familial, not hereditary. One of the reasons for this distinction, I think the major reason, is that a very low percentage of children who have parents with IBD actually develop IBD themselves. – Hide quoted text — Show quoted text -I’ve recently applied for a new life insurance policy and never thought my having Crohn’s would have an impact on it. My agent just called me to tell me that they will insure me but at a much higher rate because Crohn’s disease affects my "mortality rate". They also will not insure my 2 year old son because they say it is hereditary. I have done a large amount of reading in the 9 years since I’ve been diagnosed with Crohn’s and I don’t agree with what they’re saying. I’ve never read anything about it affecting my mortality and I’ve always heard that they don’t know the cause or if it is indeed hereditary. Does anyone have any similar experiences? If so, how have you resolved them? Thanks in advance. Karen in NJ
Response:
I’ve recently applied for a new life insurance policy and never thought my having Crohn’s would have an impact on it. My agent just called me to tell me that they will insure me but at a much higher rate because Crohn’s disease affects my "mortality rate". They also will not insure my 2 year old son because they say it is hereditary. I have done a large amount of reading in the 9 years since I’ve been diagnosed with Crohn’s and I don’t agree with what they’re saying. I’ve never read anything about it affecting my mortality and I’ve always heard that they don’t know the cause or if it is indeed hereditary. Does anyone have any similar experiences? If so, how have you resolved them? Thanks in advance. Karen in NJ
Response:
Hi there…. I’m a 55 year old male, diagnosed with Crohn’s in 1994, and am on social security disability. Recently, I was able to obtain $100,000 in term insurance (standard rate) through Valley Forge Life Insurance. My premium is $822 per year (level for 10 years), excejpt for the first year where the premium is $710. Many companies would only insure me if I would pay upwards to 6 times the standard rate, but had no problems with Valley Forge. – Hide quoted text — Show quoted text – I’ve recently applied for a new life insurance policy and never thought my having Crohn’s would have an impact on it. My agent just called me to tell me that they will insure me but at a much higher rate because Crohn’s disease affects my "mortality rate". They also will not insure my 2 year old son because they say it is hereditary. I have done a large amount of reading in the 9 years since I’ve been diagnosed with Crohn’s and I don’t agree with what they’re saying. I’ve never read anything about it affecting my mortality and I’ve always heard that they don’t know the cause or if it is indeed hereditary. Does anyone have any similar experiences? If so, how have you resolved them? Thanks in advance. Karen in NJ
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