The lawyers at Aaron Waxman & Associates are experienced with Disability, Personal Injury and Employment claims.
Genetic testing – it can be both a blessing and a curse. It can reveal the presence of genes that make one more susceptible to certain critical illnesses and can impact insurance ratings and even form policy exclusions.
According to a recent article published in the Globe and Mail, physicians and patient advocacy groups are supporting changes to federal legislation and provincial legislation, namely, the Ontario Human Rights Code that would prevent people’s genetic information from being used by employers and insurers.
If genetic testing becomes more widely available, the concern is, what will happen with the information?
Canada is the only G8 country who does not protect genetic information.
Insurance companies have been making decisions about coverage and policy eligibility based on medical history and the presence of a specific gene can impact the decision process.
An individual can be denied insurance due to a genetic predisposition to a condition that is manageable and that one can live with, such as celiac disease, as mentioned in the article.
A concern with unprotected genetic information is that it harms future generations in cases where a hereditary disease is present when it comes to applying for insurance coverage.
A genetic test may show that someone is a carrier of that specific gene, but it does not mean that specific disease will ever manifest itself. Scientists have yet to figure yet the direct health implications of the various traits and there could be inaccurate assumptions being made by insurance companies.
An application for insurance must be honest and disclose all relevant medical history and information to the insurer, as part of the insured’s duty of good faith.
If your critical illness protection or life insurance benefits have been denied, contact the Toronto Disability Lawyers at Aaron Waxman and Associates.
Your initial consultation is free.
* This blog is for informational purposes only and is not meant to substitute legal advice. Please read our disclaimer for further information.
* All of our lawyers are licensed by The Law Society of Upper Canada
* Office in Toronto and able to represent people in the province of Ontario
Disability & Personal Injury Blog