Life insurance and refusing treatment

[SortaTired]

Hey all!

I've finally decided my CBT method I think. Though it's going to be excruciating and I have some questions. Yes I am fully aware of what this will look like and how painful it may be, please do not toss horror stories at me to reconsider, I'm of sound mind and I know full well what I'm getting into.

I'm HIV positive and have been for ~5yrs, I've wanted to die for a long time now, but would put my boyfriend of 10yrs in significant financial distress if I do. He's a normie/non-depressed person who loves life and is happy. I don't want to ruin his life when I CBT, that's a firm line I won't cross, I want to leave knowing I've left him in a stable place financially. I do have life insurance through my work and was wondering if anyone knows the general rules on refusing treatment?

All I need to do to start the process of leaving is to quit taking my meds. This could be a clean clear way to leave him all the money he needs to live a stable happy life, but I don't know the ins and outs and I don't want to ask my insurance company because that could raise a red flag or worse.

Anyone here with the legal chops to tell me if it will still pay out? I'm in CA, USA if that helps

 

[stilhavinightmares]

Sorry I don't have any answers for you, but if you haven't looked through all your life insurance documents already I would recommend that! I was able to get a lot of information on what is/isn't covered with mine when I read into the nitty gritty paperwork.

 

[locked*n*loaded]

You need to read the terms of the policy. They should have given them to you when you signed up for it. In the absence of that, maybe you can go to HR and request they print it out for you. It may every well say nothing about receiving treatment for a disease. Usually, forced treatments are frowned upon. Some people have religious objections to certain treatments.

 

[onceuponadec]

What they said, above is true I would definitely read your works life insurance policy, terms and conditions as many companies will try and deny payment for various reasons. As for refusing treatment, everyone has that right, but I would look up what will happen when you stop taking your medicine.

 

[CacklingZombie]

How'd this work out?

 

[Hollowman]

Hard to say OP hasn't been on here for almost two years.