Secret Testing for AIDS

Employers are worried at once ab pop out the infection spreading among the work force and guard started looking for loopholes in their fringe benefit packages. Because of the high apostrophize of the increasing number of back up cases, lifespan and wellness policy companies have started to wonder how long they will be sufficient to afford to offer more or less forms of coverage. The biggest problem for the industry is viability in the face of an increasing number of AIDS-related claims. The biggest problem for consumers is to protect themselves from the damages industry as it decides how to cope with the crisis. So far, the industry has shown teensy but benign neglect. Consumers have had their privacy rights strained by secret testing for AIDS, and people with other conditions such as coronary artery indisposition, high blood pressure, cancer, diabetes, alcoholism, and mental illness, histories that commonly would not have prevented them from buying indemnification, are the victims of AIDS-related discriminatory practices (Lipson, 1989: p. 287).

heat content (1991) emphasizes that there is discrimination against people with AIDS from the industry and from business, duty it a case of redlining such people so that they cannot attain any insurance and so that they are frozen out of company insurance plans if possible. Some companies have put ceilings as low as $5,000 on the amount they are wi

Sullivan, Steven, "The AIDS Epidemic: How the Insurance patience Has Responded," Life Association News (February 15, 1991), pp. 59-62.

Brostoff, Steven, "AIDS-Related Life Insurance holds Jumped in 1990," National Underwriter (October 7, 1991), p. 3.

Kass, Nancy E., Ruth R. Faden, Robin Fox, and Jan Dudley, "Loss of private Health Insurance Among Homosexual Men with AIDS," Inquiry (Fall(a) 1991), pp. 249-254.

Alpaugh (1991) cites a survey of 585 insurers on the total numbers and dollar amounts of AIDS-related claims paying on a by-state and by-line basis.

The survey showed that nearly all medium-sized and large insurers have experienced at least some financial exposure to this disease, and the incidence of AIDS-related claims as a dowery of total claims due to all causes continued to increase in 1990 (pp. 10, 14). Kass et al. (1991) report on a different survey regarding self-reported health insurance coverage, HIV screening by insurers, and the loss of health insurance by consumers, specifically among the homosexual population. This was an unusually intentional and well-insured group, and 90 percent of participants without AIDS had private health insurance coverage compared with only 64 percent of those with AIDS. Persons with AIDS were 33 times as likely to have Medicaid as persons without AIDS and five times as likely to have broken health coverage altogether (pp. 249-254).

"Boston Nurses Win commence with HIV Insurance," Prodigy News Services Company (April 29, 1992).

Alpaugh, Gary J., "AIDS-Related Claim Survey Results," Best's Review (December 1991), pp. 10, 14.

Brostoff (1991) points out that AIDS is an expensive disease and that individual life insurance claims related to the disease reached $273.6 meg in 1990, up from $221.7 one thousand thousand in 1989. Group life claims increased even more dramatically, from $253 million in 1989 to $374.8 million in 1990. A contrast is provided by looking at group accident and health claims, which actual
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