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So I’m trying to get on my husbands benefits in Ontario. The benefits company has denied me for being to fat. Does anyone know if this is legal? I take medication that causes me to gain weight while I’m trying to loose weight to get on his benefits I just want to know if there is some other avenue because my medication can be expensive
Generally medical insurance has conditions that need to be met before allowing someone to be added, for instance some insurance plans will waive underwriting when a significant life event occurs (ex. Marriage, Divorce, Birth of Children), but if no such event occurs then an insurance has the write to follow underwriting procedures and access their risk of accepting you as a client. Them stating you’re too fat may simply mean that your BMI is above their risk threshold and being someone that is heavier puts you at significant health risk and can result in added costs to the insurance company. At the end of the day the insurance company is a business and wants to make money and unfortunately you may in the long run may cost them more money then the added insurance premium they would collect from your husband.
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