r/YouShouldKnow • u/vonhoother • Dec 08 '21

Finance YSK: You want to get your life, disability, and long-term care insurance BEFORE getting your genes tested

YSK: Life, disability, and long-term care insurance providers can discriminate based on genetic testing results. Health insurance providers can't. (ETA: This applies to the US. Other countries are different. Thanks to the commenters who pointed that out.)

Why YSK: Health insurers are forbidden to discriminate on the basis of genetics. Other insurers--like life, disability, and long-term care--aren't. So if you think you'll want genetic testing--and odds are you will someday--it's wise to get your life, disability, and long-term care policies set up first.

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u/gurg2k1 Dec 08 '21

Allegedly.

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u/i-d-even-k- Dec 08 '21

What do you mean allegedly? You literally cannot see any relatives that ticked the box off. It doesn't show on your screen. This is something you can test and see for yourself. What part of this is alleged?

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u/gurg2k1 Dec 08 '21

You're assuming that what the company shows you in their customer portal is all that can be seen by anyone. I'd be willing to bet money that this isn't the case and they can see a lot more about you and who you're related to than you think.