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Thread: Critical Illness cover

  1. #1
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    Critical Illness cover

    Hi , my name is Lindy and I have joined this forum (which has been so useful) because my son-in-law was diagnosed last March with MND. He has thus far managed to keep doing the long journey to work and pushes himself to get through the week as he dreads the day he will be at home whilst my daughter is working and their two teenagers are at school. However, he is now struggling and cannot see how he will manage it for much longer. At this stage he decided to claim (the Royal National will give the necessary documentation) his critical illness cover as they have a mortgage which is a great worry as to how it will be paid when he stops work. He took this out about 30 years ago when he bought his first home - so its a useful but not large amount around 30,000. He took this out with Aviva , and they have told him when he phoned - that MND is not specifically listed on the policy and therefore they will have to forward this to their underwriters to see if he is eligible to make a claim!! This is very worrying, as this is clearly a terminal illness, They also said this could take up to six months to have an answer - has anyone any helpful information regarding this situation? Thx

  2. #2
    Forum Member Ellie's Avatar
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    Hi Lindy,

    Sorry you've had to join us but a warm welcome to you.

    If you look at Aviva's current list of illnesses covered on their Critical Illness Cover, Motor Neurone Disease is clearly listed, so I don't know if your son-in-law's policy is different/old but I'd definitely follow it up with a manager. (I guess he cannot find his policy documents at this stage??) The illnesses that are covered tend to be industry standard.

    Scroll down on this Aviva link andyou'll see a clickable ' policy summary,' which has the list of illnesses covered and also info on Complaints: https://www.aviva.co.uk/insurance/li...illness-cover/

    I was fortunate enough to have Critical Illness Cover and the money did make a difference.

    Good luck!

    Love Ellie.
    ​Diagnosed 03/2007. Sporadic Definite ALS/MND Limb Onset.
    Eye gaze user - No working limbs - No speech - Feeding tube - Overnight NIV.

  3. #3
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    thank you Ellie, this is such a welcoming forum

    He took out the policy 30 years ago as a 20 something when he bought his first home, so the 30,000 was roughly what he paid for that home, but didnt update it since. So its an old policy, but on the documents themselves, what he signed for, it does not staste MND on the list of conditions (or terminal illnesses) so that is what might be the problem. So they are saying they will forward this to their underwriters to make a decision . I wonder if this can make the policy innefectual on this technicality?

  4. #4
    Forum Member Ellie's Avatar
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    Oh, I see - technically yes, but one would hope that a company of Aviva's standing will do the honourable thing, especially as MND is now on the list....

    The 6 month decision timeframe is unfortunate and I hope they rule in his favour, if it goes against him there is always social media to highlight the injustice !!

    No harm in chasing Aviva every 4 weeks or so in the meantime.

    Does he have life insurance? If he has, check if it has terminal illness cover (sorry, I know it is not easy seeing those words in black & white)

    I know you can do without this added stress right now, I know how stressful coping with the diagnosis alone is

    Love Ellie.
    ​Diagnosed 03/2007. Sporadic Definite ALS/MND Limb Onset.
    Eye gaze user - No working limbs - No speech - Feeding tube - Overnight NIV.

  5. #5
    Forum Member AndyB's Avatar
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    Hi Lindy,

    I had critical illness insurance that I originally took out in 1995 with AXA insurance which has since been taken over by Aviva. I claimed in 2016 when I was diagnosed with MND. My diagnosis was originally ‘probable MND’ and it was only when it was definite MND that they paid out. They phoned me at regular intervals to keep me updated on the progress. Unfortunately for me the value of cover had reduced over the years due to my age (I didn’t want to pay the increased premiums) but if was still enough to pay for most of the cost of my garage conversion to a bedroom and wet room.

    Andy
    Sporadic MND/ALS - Limb onset - Diagnosed May 2016

    Today is the tomorrow I feared yesterday

  6. #6
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    I started with slurred speech, now have none at all. Somewhere along the line I got low mood, particularly due to loss of bulbar function that has stopped me playing the French Horn.Stupidly, in response to questions raised for my Critical Illness cover, I owned up to another dip in mood, whereupon Aviva declined the policy. Now they had wind of my probable MND condition, and the mortgage broker tried unsuccessfully to get their underwriter to change their mind. I have life cover, but nothing that will help in the event I cannot work any more. Is there anywhere that I can go to get cover? Sometimes honesty would appear NOT to be the right policy!

  7. #7
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    thank you all for your helpful responses. The situation that has emerged is that on the original policy taken out about 30 years ago MND is not specifically listed and therefore they will not pay out. However, listed is 'permanent paralysis of two or more limbs that renders you to ever take up any employment. My son in law has loss of muscle power in both his arms so we are hoping that eventually (when he gives up work) that he will be able to claim. This is dependent on his loss of use of his arms is considered paralysis (in medical terms). Therefore as he is still able to work and wants to for as long as possible he will not be able to put in a claim yet. Also he has to be unable to work for six months under this claim - so we must wait and hope for that outcome. For others here who might be interested - if a critical illness claim is part of a life policy (and his is a stand alone policy for CI only) then you would get the amount together with the life cover if you die, but if stand alone and it cannot be claimed under the policy terms, then you will not. thanks all

  8. #8
    Forum Member nunhead_man's Avatar
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    Hi Lindy,

    Interesting update – thank you

    I'm in fact in the opposite position because my critical illness cover lapsed a while ago but I still have a life insurance.

    My neurologist said he will say whatever my life expectancy is to meet the needs of the policy and I'm still thinking about whether I want to take him up on that
    Warmly


    Andy

    ​Diagnosed 03/2015. Limb onset (arm) sporadic ALS/MND.
    MND hitting - now 50% left arm and 90% right arm, plus other bits including left shoulder

    "Things turn out the best for people who make the best of the way things turn out"

  9. #9
    Forum Member Terry's Avatar
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    Hi Andy,

    What havv you got to lose, mind you, if you end up paying for care then that money would be be put in the pot. Probably if you don't cash it, it would go to your partner.

    Love Terry

  10. #10
    Forum Member Shaun's Avatar
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    Hello Andy
    Regarding money, only because, just been through this with my in-laws (alzheimers, all go in our family) make sure it goes into your partner's account , social services cant touch it. We had to spilt the in-laws money up to bring them under the limits, and hide some of it.

    Talking of social services they will try guilt tripping your nearest and dearest. It is not up other family members to pay for your care, they put a lot of pressure on my wife to pay for her mums care.
    We told them politely, to do one and eventually got NHS funding for her mum.

    Shaun

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