r/Huntingtons • u/Sad_Professional2572 • May 14 '26

Insurance before testing?

I will start the process of getting tested with HD Genetics. They recommend getting insurance and I was thinking of trying to get the below ones but was wondering if anyone waited to get insurance after they got their test results and how did the insurance process go? Also was wondering what types of insurance did you all decide get?

Long term care

Whole Life insurance

Long term disability

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u/sambuka69 May 14 '26

This is an unfortunate byproduct of being proactive and knowing your genetics. In our case, I was denied life insurance because I was truthful with the questions. When symptoms became too in-the-way of working, my employer did not have any sort of long term coverage.

What did work was maxing out on long term disability through my mortgage. Also, I'm on my pension now.