Breast Cancer: Post Treatment 0 - 6 Months: At Work
If You Are Considering Changing Jobs Or Careers
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Your health history is no longer a block preventing you from changing jobs or from getting health insurance from a new employer.
- A prospective employer cannot ask about your health history. You can write your resume to avoid calling attention to missed time. Learn about an employer’s benefits indirectly or with cover so it doesn’t look as if benefits are as important to you as they are – especially health insurance.
- A new employer is allowed to include a waiting period of up to 12 months before its health insurance covers pre-existing health conditions (your breast cancer). However, a new employer must offset against that period the amount of time you had your existing coverage as long as you are not without insurance for more than 2 months. (If you had your insurance for 12 months, there will be no waiting period for health insurance).
Before moving to a new employer, check the employer's benefits. In addition to health insurance, particularly look for disability income insurance and life insurance. Even if you don't need life insurance for a beneficiary, it can become an asset that you can sell if you become sick.
It is advisable to tell a new employer about your breast cancer history after the job offer but before starting work so you can take necessary time for doctor appointments and follow-up tests. Of course, emphasize that you are now in good health and expect to stay that way.
If something happens that you may become disabled, start planning.
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