title: Genetic testing and the future of disability insurance: ethics, law & policy.
abstract: Predictive genetic testing poses fundamental questions for disability insurance, a crucial resource funding basic needs when disability prevents income from work. This article, from an NIH-funded project, presents the first indepth analysis of the challenging issues: Should disability insurers be permitted to consider genetics and exclude predicted disability? May disabilities with a recognized genetic basis be excluded from coverage as pre-existing conditions? How can we assure that private insurers writing individual and group policies, employers, and public insurers deal competently and appropriately with genetic testing?
authors.affiliation: University of Minnesota, MN, USA.
authors.forename: Susan M
authors.initials: SM
authors.lastname: Wolf
authors.forename: Jeffrey P
authors.initials: JP
authors.lastname: Kahn
mesh_terms: D004185:Disability Evaluation; D005820:Genetic Testing / Q000941:ethics / Q000331:legislation & jurisprudence* / Q000639:trends; D006291:Health Policy / Q000331:legislation & jurisprudence*; D006801:Humans; D018868:Insurance, Disability / Q000941:ethics / Q000331:legislation & jurisprudence* / Q000639:trends; D014481:United States