If someone refuses Kidney Dialysis and dies, will the family receive insurance?

Factual Questions
1

If someone refuses Kidney Dialysis and dies, will the family receive insurance?

A friend asked me to ask this.

If someone is on kidney dialysis, which is not considered life support, and the person chooses to refuse the dialysis then subsequently dies, will the family of the person receive the life insurance money?

BTW, I would appreciate an answer as quick as possible.

2

  1. You’re creeping me out. “As quick as possible”? Here’s to the hope your friend is in such a hurry because he’s writing a novel under deadline.

  2. This is really a question, when concerning matters of real life, best asked to a lawyer, isn’t it?

  3. Googled “life insurance” “refuse medical care” and I got several interesting links, like this page which seems to nail it down real good (i.e., a particular state law says the insurance pays and it’s not suicide) in Virginia.

Maybe your friend could have this hypothetical someone die in Virginia.

AmbushBug
[sub]On the whole, I’d rather be in Philadelphia[/sub]

3

Both are interesting reading for your case. I would suggest emailing www.kidney.org if you have any more questions.

4

I am sorry. I did not mean for it to be creepy. My friend is a nurse and I assume she is talking about a patient. She sounded like it was kind of urgent that she found out. Although I still think she should have spoken to a lawyer first.

5

It’s not creepy at all, people decide all the time to be taken off of dialysis.

I can’t say as I blame them either…Dialysis is great if you are still relatively healthy, but really sucks for an older person with additional health problems.

When I was doing medical transports a few years ago, I carried a woman to dialysis 3 times a week, who (no joke) had no arms or legs. She finally convinced her family to let her go.
However, I would question someone of otherwise stable health, as to why the didn’t want dialysis at all.

6

I used to be licensed to sell life insurance in New York State.

In NYS, an insurance company must pay the policy on a suicide if the policy has been in existence for more than two years. As such, I’m sure that if they must pay on a suicide, they also must pay in the situation you’re describing.

Zev Steinhardt

7

Zev wow, really?

I spent 3 very dark months working for State Farm (hint: I’ll NEVER do business with them). AFAIK, they won’t pay a dime if someone kills themself, no matter how long the policy has been around.

This might vary from state to state, though.

8

No one knows about California though?

9

[QUOTE]
*Originally posted by WV_Woman *
**Zev wow, really?

[url="http://www.e-analytics.com/fp5.htm"Yup. (go down to the “suicide” section.

Zev Steinhardt

10

Not only can I not get the coding right, I didn’t even close the parenthetical comment at the end…

BTW, Maud’Dib, if you really need to know, speak to your insurance agent. They will know for sure.

Zev Steinhardt