[USER]

Hello everyone. We have recently experienced the loss of our 5-year-old son and are currently navigating the process of claiming insurance benefits under our IUL, critical illness, and hospital indemnity policies.

While reviewing his medical records, we discovered that the hospital inaccurately added cerebral palsy to his medical history, in addition to his existing autism diagnosis.

As we are still grieving, we are uncertain whether we should invest time and effort into rectifying this error.

What are the potential financial implications of having an inaccurate diagnosis on our medical records, particularly if we plan to have another child in the future?

Thank you for your understanding and support.

Please direct me to relevant resources.

[Chelsea]

I am also so very sorry for your loss. While I am not an expert in life insurance claims, I do wonder if a family history of a specific condition may be used against you under a family history or exclusions claws that may make you or a future child uninsurable.

The additional effort to revise may be valuable in the long term.

[Nicole]

I don’t think CP is considered genetic. Many babies can get this from birth injuries. I think I read there is a potential genetic tie that could make someone maybe more predisposed to It but most anyone I have met had a birth injury and lack of oxygen injury to the brain to cause that.

I don’t think It would affect that.

I’ve never been asked about anything other than cancer on life insurance forms.

Even if there was a genetic tie unless you have many children you may never know the conditions in which you may carry genes causing anything as you can always not end up having the odds of genetic calculated risks – example mathematically you could have 3 brown eyed children and one blue eyed but in real life have all four brown eyed, the blue is just a potential percentage.

So sorry you have experienced a loss of a child. Condolences to you and your family.

[Julia]

CP is not genetic so should not impact any future children. Moreover, insurance companies don’t get access to your medical data without you sharing it with them, so you will have to mention on the forms related to another kid that there was a history of CP or other conditions, otherwise they won’t know.

[Courtney]

My condolences on the loss of your son. I do not have an answer, but there are some smart people on here that I know will likely be able to help you.

[Jennifer]

Also, if you tell any physician or nurse that you saw a disgnosis in a record but it was an error they will not add it to your chart.

If it’s already there for some reason they should be able to make a chart correction.

These things happen, less so with electronic records.
You have my sympathies.

From my experience the insurance company was easier to deal with for a child than it was for a parent.

[Lea]

Exclusions are based on the individuals medical records –
We have 15 kids and only one has been excluded from a personal life insurance plan due to their medical history.

[Story]

Sorry for your loss. You always have the right to have your medical information amended., If it doesn’t change any outcomes, then I’m not sure it is worth the hassle of going through that.

As for any future children, there is no need for any insurance to ask about your child that has passed away.

Life insurance would only apply to any current or future children that you would have, that could be a potential question that they ask, which could affect coverage limits.

[Margo]

I am so sorry for your loss. I think you have 60 days before it becomes a permanent record. It shouldn’t affect your future child’s insurance policy or your insurance policy, unless you plan on doing IVF in the future.

Then you have to disclose family health history.

It will help doctors figure out if embryos need any other genetic testing aside from standard and genetic testing for parents.

It might affect your future child’s life insurance, because they dig deep.

[Author]

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