Historically, people living with HIV in Canada have been excluded from access to life insurance. In recent years, however, both Manulife and Sun Life have started accepting applications from people living with HIV, now that HIV is widely recognized as a manageable chronic illness. Nevertheless, this significant change in policy is not well-known within the HIV sector. How can we change that and how can we facilitate access to life insurance for people living with HIV?
With these two questions in mind, we at Realize and the Canadian Positive People Network (CPPN) surveyed our members and the insurance sector to gain clarity from both sides as to what the underlying issues might be. We found out that life insurance is something that people living with HIV think about today, but few folks know that it’s an option. And, for the few people living with HIV who are aware that Manulife and Sun Life are offering life insurance options, many people wondered what is offered and were curious about where to go for more information or to apply. Some wanted to know what the “catch” might be.
Thanks to effective anti-HIV treatment, HIV has evolved into a chronic illness. However, people living with HIV often today also live with other physical and mental health conditions, which can be difficult to cope with, especially for those also coping with difficult socio-economic circumstances.
To provide quality care to people living with HIV and other long-term medical and social conditions, health-care providers not only need to ensure that people living with HIV are engaged in quality health care, but we also need to enhance the capacity of Canadian HIV clinics to integrate and coordinate additional resources. By integrating and coordinating resources, we help address the needs of a whole person —needs that often cut across the various disciplines, specialties, sectors and systems that we have traditionally organized care around.
The good news is that through several interconnected research studies, our research team led out of the Bruyère Research Institute in Ottawa has shown that the complex health and social care needs of people living with HIV can be met –and, in fact, are being met –by various care models, settings and teams working in HIV clinics across Canada.
The CATIE Blog is written for people and organizations working and volunteering in Canada’s response to HIV and hepatitis C and hosts the views and opinions of frontline service providers.