What would be the implications of the knowledge of one’s genetic predisposition to some condition through DNA testing? Could your health insurance contract be deemed "invalid" since you had this predisposition at the time of application? Could this sort of knowledge affect your children's ability to become employed?
A recent article in the NY Times addressed this very issue ."... even doctors who recommend DNA testing to their patients warn them that they could face genetic discrimination from employers or insurers." Although there are few examples of actual discrimination based on genetic testing, it is a valid concern. According to reports, the consensus is that most people are fearful of having their genetic "roadmap" laid out for all to see.
As an LTC Planning and Insurance expert, I also naturally began to wonder about the implications of genetic testing in regard to long-term care insurance underwriting. While testing of this sort is not currently being done, what if it were to become routine and insurance companies began to test for genetic predisposition to conditions that require extended periods of care, such as Parkinson's Disease or Alzheimer's Disease? Could people be denied coverage based on their genetic make-up?
I'm not suggesting that anyone should run out and buy LTC insurance just to avoid such a situation. But it is one more factor that has the potential for making it more difficult in the future to obtain this type of coverage.
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