Critical Illness cover

katefrs

Hi
I am in the early diagnosis stages for RA and am wondering if RA is a payable illness? I have had critical illness cover on my mortgage for years now and know it covers a multitude but not sure whether RA comes into the categories they pay?

Regards
Kate

lulubell69

Hi Kate
I have critical illness cover on my mortgage and I have claimed it :-
First time for 2 years (maximum time allowed without break ).
Second time 1 year until I was we'll enough to return to work.
I took Ill health retirement in march, with big lump sum and pension, and I also get critical illness cover for mortgage (need sick notes for 2years). I have just been accepted for employment support allowance without a medical and I get dla.
However, although I'm only 44 I must stress that I am very poorly with RA I have tried all the available meds.
Take a long good look at your policy and don't rely on the call centres giving you the correct info. The first person I spoke to said I couldn't claim!
It can also be backdated to the date of your first sick note, although I believe that you cannot claim for the first four weeks.
Of course, keep copies of everything and good luck.
Any more questions just ask.
Take care
Les