PTSD Insurance Questions & Answers

How do life insurance underwriters view a person who has PTSD?

Obtaining life insurance with PTSD (Post Traumatic Stress Syndrome) might be seen as some life insurance writers as being more of a risk to insure.

PTSD affects many people and can occur from a variety of traumatic events ranging from personal situations or from a person’s employment. PTSD can be relatively mild and treatable. It can also be so severe that it affects both the health and the mental well being of a person to such an extent that it can force them onto disability.

An underwriter will deal with PTSD on a case by case basis. Some of the areas which will influence the degree of risk associated to this condition could include when the condition was diagnosed, the degree of impact it has had on a person, the manner of treatment received and how well a person is responding to the treatment.

An underwriter will also want to know whether you on disability or are gainfully employed.

Obtaining life insurance for people with PTSD can be a challenge because unfortunately it is considered a mental health condition which is stigmatized by some insurers who will issue an automatic decline for this condition.

What are the health risks for PTSD?

PTSD generally emerges after a person has experienced a very traumatic ordeal. It is a mental health condition that can appear anywhere from a few months to many years after the trauma occurred.

Some individuals will see their symptoms disappear after several months while others who have a more chronic case and will require more extensive treatment. The condition is believed to be caused by a gene which produces the stathmin protein which is believed to form fear memories and by the fear signal chemical peptide GRP.

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Some people are able to cope with their daily activities through medication and/or psychotherapy while others cannot cope and receive disability. The medications generally prescribed include benzodiazepines, and other forms of antipsychotic and antidepressant medications.

Symptoms can range from having flashbacks, fearful thought, nightmares, feeling numb, depression, avoidance, or feeling edgy. The symptoms can directly have a sever impact on the daily activities such as work or social activities.

Finding life Insurance for PTSD

Finding life insurance with PTSD may be easy for some and very difficult for others who might be declined for a life insurance policy.

Some insurance companies have a better appreciation and understanding of this type of condition while other insurers will simply decline any application involving mental or emotional disabilities.

Because insurers are vastly different in how they approach psychological disabilities such as PTSD, it is a vital that a person seeking coverage specifically selects companies that are more lenient to these types of conditions.

Even with the more lenient companies, how a person is rated for a policy can differ substantially, so the best approach might to find an insurance agent who understands the condition and knows which insurers are the best companies to apply for a policy.