Genetic testing and the future of disability insurance: ethics, law & policy

J Law Med Ethics. Summer 2007;35(2 Suppl):6-32. doi: 10.1111/j.1748-720X.2007.00148.x.


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?

Publication types

  • Research Support, N.I.H., Extramural
  • Review

MeSH terms

  • Disability Evaluation*
  • Genetic Testing / ethics
  • Genetic Testing / legislation & jurisprudence*
  • Genetic Testing / trends
  • Health Policy / legislation & jurisprudence*
  • Humans
  • Insurance, Disability / ethics
  • Insurance, Disability / legislation & jurisprudence*
  • Insurance, Disability / trends
  • United States