Genetic testing and the future of disability insurance: ethics, law & policy.
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?
Wolf
Susan M
SM
University of Minnesota, MN, USA.
Kahn
Jeffrey P
JP
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