Life insurance and mental health- do I have to tell all ?

I have PTSD from childhood trauma. I see a psychiatrist monthly and counselor twice monthly. I have been stable on meds for a few years.

I am receiving life insurance through my work. I am concerned my history of PTSD will potentially exclude me. My psychiatrist takes hand written notes and is very good about confidentiality.

2 years ago my wife left abruptly for 9 months and I was involuntarily hospitalized in a psych ward despite. Both times were short stays and the second time the doctors wondered why I got admitted in the first place. I changed my 'involuntary status ' to 'voluntary' to prevent it going on my license (MD).

My question is do I really have to admit to these hospitalizations? How would the insurance find out, especially if my psychiatrist would protect my confidentiality. Also, as PTSD is an anxiety disorder, can I put 'anxiety' as it has less of a stigma ? As I have never been psychotic or had suicide attempts I feel my mental illness is well controlled and will not affect my life span. Can the life insurance deny coverage based on my previous history.

Posted Feb 5, 2025, 8:54 PM UTC

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