can i get life insurance for a drug addict?
107265
Coverage is available.  The companies look for someone who went through rehab, attends support meetings, etc..  Typically the companies that will offer coverage are looking for minimum 6 months post rehab, and more likely 1 year post rehab.\n\nThey look for the positive changes when considering coverage such as steady employment, stability in relationships, exercise, etc..  \n\nIt is definitely possible, the rate becomes the issue, BUT as more time passes, the rate may improve.
92602
Depending on what state you are in, there may be a high risk pool administered by your state.  Contact your state's Department of Human Services or other organization.  A high risk pool is great for people who are going to have very high medical bills, but you will have to pay premiums which are likely going to be much higher than if you were healthy.\nYou might also shop around for "short-term" medical insurance.  Insurers are more willing to write people who may be sick under those short term policies because the insurers knows a date certain that they will no longer be responsible.
630486
SUBSTANCE ABUSE COUNSELORS WILL SPEAK TO THE CLIENT ABOUT HIS/HER FAMILY LIFE.. OR ANY ABUSE THEY MAY HAVE EXPERIENCED..THERE ARE MANY THINGS THAT LEAD ONE TO ABUSE ALCOHOL OR DRUGS.. FEELINGS OF INADEQUACY AND HOPELESSNESS.. LACK OF SELF ESTEEM..TO NAME A FEW..LOSS GRIEF.. THE INABILITY TO HANDLE THESE TYPES OF STRESSORS CAN LEAD TO AN ADDICTION.. DON'T BE AFRAID TO ASK ABOUT THE JOB THAT PEOPLE DO ... IT IS A GREAT PROFESSION TO GET INTO.. YOU COULD TAKE A COURSE ON ADDICTION.. AND MAYBE GET A BETTER IDEA ABOUT HOW THE DISEASE OF ALCOHOLISM OR DRUG ADDICTION REALLY WORKS... IT IS A VERY INTERESTING TOPIC.. AND YOU WOULD GET SOME SATISFACTION OUT OF BEING IN THIS FIELD... BECAUSE YOU REALLY CAN MAKE A DIFFERENCE IN SOMEONE ELSE'S LIFE.. YOU MIGHT BE THE ONE WHO ENDS UP GETTING THROUGH TO HIM OR HER AND THEY JUST MIGHT BE ABLE TO TURN THEIR LIFE AROUND... AND NOT WANT TO DIE A SLOW PAINFUL DEATH!!!
201406
Beth, Starshotdown, and BadKitty1969 seem to have a good idea for a solution to your problem.\nThe behavior that you describe does complement the 'life of a drug addict,' and his desire to near a zone that is deviant are his inclinations to continue this lifestyle.\nThe closer that an addict is closer to illicit drugs the better they will feel, although this is a vague sense of reality.\nIt may be the best thing for you and your children if you did initiate legal proceedings against him.\nIn this manner you will help yourself, family and even the 'junkie' man.  Jose
310786
This problem has more than one dimension. It is a spiritual as well as a physical problem. The fact that you are reaching out to get help is encouraging. If your situation was hopeless or near hopeless you would be asking where you could score instead of how you can stop relapseing.\n\nDefinitely get into a drug treatment problem. The physical part of your problem demands a physical solution. This is most likely the strongest addiction you could have. In some cases a sudden withdrawal from drugs is in and of itself life threatening. This is not to say you should hurry out and get more cocaine. The problems with that approach are that it is not legal and there is no way to monitor the dose.You must get help and stop immediately because the purity and strength of what you are taking cannot be easily determined. \n\nIn no way does does addressing the physical aspect of the problem indicate you are spiritually weak . God is interested in results and there are effective treatments available.  \n\nMake your request known to God (even though He already knows) and then expect positive results. He is certainly willing and you are willing. What a powerful combination but you must not be double minded. Believe immediately that you have received your request and then don't waver. Wavering is when the trouble begins. \n\nGod bless you . You can see that there are people all over the place that are concerned. You have my prayers.
46703
ABSOLUTELY ... but only for the proper reason of using it.  It is not meant to help people "get out of life" because life is too tough.  But if someone is suffering needlessly with NO HOPE for recovery ... absolutely.  It has been proven that many people suffering terminal illness are in a lot of pain and the doctors are usually too scared to over prescribe narcotic pain killers for fear of losing their license.
717244
my own experience is that i was only ready to stop using drugs when i was ready and no one could have made me, i too lost my home and my daughter was taken off me as the drugs had that much power over me. i didnt want the life i was living and was frightened of a life without drugs!!! i was the only person who could change me!! narcotics anonymous deals with the addict that still suffers and if she wants to stop using i suggest you give her the help line number, there she will find people like herself who are living drug free and rebuilding there lives on a daily basis. i also suggest that you contact families anonymous where you will find the support of other people who have been where you are now. the narcotics anonymous web address is below i havent got one for families anonymous but if you did a google search you will find relevent web sites. i hope this helps????
977422
3 ways:\n\n1) You can try to find his life policy in the place where he lives\n2) It is highly unlikely that you are the named beneficiary since most insurance companies don't allow "friends" to be a beneficiary. It is usually relative or a family member that is the beneficiary. So, its not worth looking into it.\n3) If you know what life insurance company he got his policy from, call them up.
832575
Yes, contact Smith GlaxoKline and apply to them for assistance.  Most drug companies will give medications free or reduced price to those in need who cannot afford it.  Also you could apply through department of human resources for medical assistance.  If you qualify you will get free or reduced price for prescription medications and medical care.
804229
I am a recovering addict myself, and willing to share my story if it would help. I have now been clean for 4 months and have NO desire to go back to where I have been. I had been on drugs(meth, coke, crack,pot, pills, etc.), for 15 years too. Let me know how to contact you and I would be glad to talk to you about my experiences with drugs and recovery. I can totally relate!
199798
If it is truly end stage, and you cannot afford insurance, then contact your local medicade office. They may be able to help. Or even hospice.
644154
yes the local inter office of the AA i called them about 17 years ago and got sober and they can direct you to a meeting for your drug of choice like cocaine anonymous or ca good luck a drunken doper thats now sober
499500
you can't and don't waste your time, the addict cares about nothing but drugs, you aren't talking to them you are talking to drugs and the effects they have. that person is just a shell that is currently housing a monster who cares for nothing and nobody except where his next fix is coming from. the best thing you can do is educate yourself on addiction and talk to people (they have groups) of family and friends of addicts, these people have been there and done that. loving an addict is the equivalent of beating your head against a brick wall daily and wondering why it still hurts you everyday. until that person decides they want help anything you do does nothing but feed the addiction, when they decide to get help thats when they need love, until then its a waste of time and energy. its a harsh and horrible situation but you also have to remember its their choice, they chose to be in this situation and they choose to stay there everyday.
136228
Probably no copay, premium or deductible.  Yes, I believe they are covered for the rest of their lives.\n\nSo unfair.
942729
Life insurance is a policy that pays a specified amount of money after your death to a beneficiary, a person you choose. The amount of money the person receives depends on the type of life insurance you purchase. The amount you pay to the insurance company, the premium, depends on the policy you select.\n\nToday more than 200 insurance companies write life insurance policies in the United States. Not all insure cancer survivors. Those that do offer life insurance policies for cancer survivors usually require survivors to pay a higher premium.\n\nYou may not want life insurance now. You may not be able to afford life insurance. However, if you think life insurance would help you or your family, options exist for cancer survivors. Survivors who want life insurance should understand the different types of life insurance and how having had cancer affects the type of life insurance they can get.\n\nGet a quote & more information here:  http://www.insureme.com/landing.aspx?Refby=614500&Type=life\n\nTake care,\n\nRon @ InsureMe
684954
As with any recovering addict who falls off the wagon, it depends on their circumstances as to whether they will continue to be successful in their career.  In some careers (law enforcement or medical care, particularly), chances are if you've fallen off the wagon too many times, you'll have to change careers.\n\nHowever, there are recovering addicts in all careers that have been given second, third, or more chances.  Most of the time it depends on how the person performs at work.  If they are good at their job despite their illness, they'll likely be given another shot.  It totally depends on the job and what is at stake if the person messes up again.\n\nActing is not brain surgery.\n\nStudios pay for insurance on certain people involved in any film production who are difficult to replace--actors, directors, certain producers, etc.  The studio gets the insurance payout if one of those people can't work anymore.  They use that money to either recoup their loses, or find another person to replace the one who can't work anymore.  Robert Downey, Jr. is an insurance liability because, as a recovering addict, the insurance companies know that it is far more likely for him to drop out of a film than a non-addict actor.  So, a studio has to pay really high insurance premiums if they want him in their film.  Studios don't like to pay high insurance premiums. It's one of the reasons Robert Downey, Jr. wasn't getting work for awhile.\n\nIt could be that, because he's been sober long enough, insurance premiums on Robert Downey, Jr. are lower.  Or, studios are just hiring him anyway.  Not sure.\n\nBut here's the most important part--nobody has ever claimed Robert Downey, Jr. did a bad job when he was addicted on drugs.  In fact, quite the opposite.  Even when high, or hung over, he still showed up to work on time knowing his lines.  He's an incredible actor, and Hollywood knows it.  That's the main reason he's still around.\n\nPlus, he's tried hard to battle his addiction, and that's impressive.
522259
Dear Friend,\n\nYou can purchase an umbrella insurance policy that will give you liability coverage.\n\nBeing dead broke, and hence judgment-proof, is also a good option.\n\nYour Friend,\nFrancesois