Colorectal Cancer: Post Treatment 6 Months Plus: At Work: Stages 0,I
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. To learn how, click here.
- 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 colorectal 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. 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. 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 colorectal cancer history after the job offer but before starting work so you can take necessary time for doctor appointments and follow-up tests. If you have an ostomy, it will be difficult to keep your practical needs a secret. Of course, emphasize that you are now in good health and expect to stay that way (and that an ostomy will not interfere with your ability to do your job).
If something happens that you may become disabled, start planning.
Each of these subjects are covered in the documents in “To Learn More.”
To Learn More
More Information
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Colorectal Cancer: Ostomy Work: Starting At A New Employer - A Primer Work: Preparing For Disability -- Short Term Benefits From A New Employer Work: Benefits Offered By Employers
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