Rheumatoid arthritis (RA) affects over 70 million people in the US and is an autoimmune disease. The disease causes chronic inflammation of the joints and other areas of the body. As many as every three adults have arthritis in some form. It results in swelling, stiffness, and pain. If it persist over time it can cause tissue damage.
In extreme cases, arthritis can lead to lost time at work, and even crippling disability. Arthritis causes joint inflammation, and when it becomes chronic, it interferes with normal joint movement and can cause severe joint pain. Rheumatoid arthritis can affect people at any age and it becomes progressively more common with age.
American College of Rheumatology states that “Rheumatoid arthritis (RA) is the most common type of autoimmune arthritis. It is triggered by a faulty immune system (the body’s defense system) and affects the wrist and small joints of the hand, including the knuckles and the middle joints of the fingers.”
Rheumatoid Arthritis and Life Insurance
The great news is that in most cases rheumatoid arthritis is a low underwriting risk to most insurance company, as the disease can be easily managed with medication and exercise. Most insurance companies don’t even ask about arthritis and will quickly issue you a low risk standard life insurance policy at their best rates if your condition is well managed. That of course is if the applicant has no other major health issues and is not disabled by the condition. Therefore in most situations, rheumatoid arthritis is seen as a common health condition that will not affect your application for life insurance coverage.
Some causes and symptoms of Rheumatoid Arthritis
- Chronic inflammatory disorder in joints of hands and feet
- Tender, warm, swollen joints
- Morning stiffness that may last for hours
- Firm bumps of tissue under the skin on your arms
- Fatigue, fever and weight loss
- Shortness of breath or chest pain
- Inability to move or raise your hand or foot
- Spots on or around fingertips
- Red, inflamed eyes
- High fever and other signs of infection
- Bone fracture