Insurance cover query

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lyinglow
lyinglow Member Posts: 20
edited 10. Jun 2019, 16:22 in Living with arthritis
Keen to know what others do for critical illness cover. Recently gone through a remortgage and it was brought up again.

I am the main earner and 42.

I take Erelzi weekly but have currently paused while I sort this out as the feedback from the insurance people via the mortgage broker is not good - as in they won't cover.

Do any of you get cover?

Thanks

Comments

  • stickywicket
    stickywicket Member Posts: 27,719
    edited 30. Nov -1, 00:00
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    That's not a great situation, is it? We stopped trying to get insurance for me when I was in my early twenties but I was not the main wage earner – or, indeed, a wage earner by then..

    I don't know how it works with a mortgage but, with holiday insurance, we go through a broker as most normal companies won't touch me.

    I don't know why you have paused the erelzi. To me, that seems a bad move as (a) you risk the arthritis firing up again and (b)if you subsequently needed to claim they would discover what you'd done and any claim would be invalid.

    I'm sorry, I can't help further.
    If at first you don't succeed, then skydiving definitely isn't for you.
    Steven Wright
  • lyinglow
    lyinglow Member Posts: 20
    edited 30. Nov -1, 00:00
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    Holiday insurance is cool. Normally there is a small premium to pay which is fine.

    It’s the Critical Illness and income protection that I cannot get covered for. I’m keen to hear from others and if they managed to get it. It’s just a little alarming when none of the big firms will touch me because of this stuff I take. It just makes you think what the heck is in it even though it has been amazing for me getting back to normal. Yes I’ve read the details (not in length) and looked at the side effects.

    I paused as I’m a worrier. I’ll take my chances with a flare up.

    I’m going to explore insurance broker to see what other options are out there.
  • stickywicket
    stickywicket Member Posts: 27,719
    edited 30. Nov -1, 00:00
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    This is just a guess but I'd be thinking it's not the erelzi that's the problem but that you have an inflammatory arthritis badly enough to need biologics.

    I hope a broker can help but I'd caution, again, about trying to circumnavigate the system by leaving off the meds. If you needed to claim I think you'd be stuffed.
    If at first you don't succeed, then skydiving definitely isn't for you.
    Steven Wright
  • wazz42
    wazz42 Member Posts: 233
    edited 30. Nov -1, 00:00
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    Hi,

    Take it from me, it won’t work. I had critical illness, got when children were young, many years standing. Then RA, OA etc, had to leave work, checked it was covered, applied.

    Then it started, they asked my dr to send my full medical records to them, they went through them with a fine tooth comb. I had Raynaud's since forever, anyway at 11 when I saw the specialist I had a blood test done and it was sero positive - I didn’t know, Mum didn’t know, but we didn’t state it on the form.

    Years later but over 5 yrs before my claim I’d had a trauma-less injury while in a swimming pool, blood test was apparently sero +ve again but I wasn’t told. While in hospital, declared, having ovarian cystectomy, declared, they also found a polyp in my colon, took a biopsy, it was benign,, had a colonoscopy - cyst had gone. Declared colonoscopy but not the cyst, it wasn’t there! Totally irrelevant to arthritis.

    So 3 reasons to deny me. I argued my case then I got medical letters from their consultant telling me I was fine, it was all in my mind. One medical later, another doctor couldn’t suggest any job I could do, still denied. Went to ombudsman, still denied.

    The day after I gave in every premium was paid back into my account and they said my policy doesn’t exist.

    Pay your money into an insurance policy or other fixed term savings, you will not get money from critical illness.

    Take your meds, it sounds like they are doing a brilliant job, let them keep on doing it, enjoy life and save elsewhere.

    Take care x
  • Airwave!
    Airwave! Member Posts: 2,466
    edited 30. Nov -1, 00:00
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    I claimed when I was medically retired, knowing I couldn’t earn as much money again and the. Mortgage couldn’t be paid, I was refused a claim and we sold the house and moved somewhere cheaper with no mortgage. Just one way in which disabled people are disenfranchised and move away from society and peer groups.

    A claim would have helped at the time but I also appreciated standing on two feet (just!) and raising the family was done by my efforts, that I am proud of. I did cleaning, emptying bins and driving when I could to make ends meet. Gradually I found that employers only wanted fit employees and weren’t willing to offer any other work. I digress.

    We take out annual holiday insurance this gives a degree of cover for travelling around. I doubt if we would get any other type even if we could afford it?

    Keep smiling.