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    Terminal Illness Claim

    Hi everyone,

    I am new to this site. My husband was diagnosed with MND last October 2014.

    Does anyone know about claiming from Lagal and General Insurance company regarding my husband terminal illness cover? Does anyone know the process? Apparently my husband have spoken to the Legal and General and they refused the claim.

    Many thanks for any info.

    #2
    Hi GKeenan;

    Welcome to the forum and sorry to hear of your hubbies condition.

    Mnd is classed as a terminal illness, but i think some companies use a six month time line. Have a look at the small print and maybe a letter from your specialist or doctor will help. You could also ask Mnda connect for help and advice.

    Best wishes, Terry
    TB once said that "The forum is still the best source for friendship and information."

    It will only remain so if new people post and keep us updated on things that work or don't work and tips.

    Please post on old threads that are of use so that others see them and feel free to start new subjects and threads.

    Comment


      #3
      Hi GK I had 2 pensions processed after GP gave me a '6 months to live' document. That was over 2 years ago. Dude.

      Comment


        #4
        you can also look at this old thread;-

        http://forum.mndassociation.org/show...ight=Insurance
        TB once said that "The forum is still the best source for friendship and information."

        It will only remain so if new people post and keep us updated on things that work or don't work and tips.

        Please post on old threads that are of use so that others see them and feel free to start new subjects and threads.

        Comment


          #5
          http://www.mndassociation.org/what-i...-types-of-mnd/

          Hi GK , me again. Having just read the above it may depend on what type of MND your husband has. I notice expected lifespan is from onset of symptoms not diagnosis date which can range from 6 months min to 5 years as a guess. For example I have MND PBP diagnosed DEC 08 but symptoms 12 month to 18 month before. Life expectancy for my condition 6 month - 3 years. I would call insurance company again and ask specifically what they require, this will give you a target to aim for. Make sure it's terminal illness cover and not critical illness. Dude

          Comment


            #6
            Hi
            Ask your GP or Neurologist to write a letter for you. They cannot refuse to accept the submitted diagnosis or prognosis without a further evaluation. I know the MNDA were looking at this a while back. We were with Aviva and we had no problem thankfully. This disease is hard enough and we all know that.
            Cheers
            Sylvia

            Comment


              #7
              http://www.mndassociation.org/what-i...-types-of-mnd/

              Hi GK Do you know exactly when hubby presented with the first symptom, light slurring of words especially after alcohol or any other sign,. also date when you first visited GP. Dude x

              Comment


                #8
                We had one policy on critical illness, that will pay out (they have admitted the claim). We have another on terminal illness and they seem to have agreed to pay one year's benefit now (but we await their review of all the forms) and then the rest when my wife dies (I think that is what they are saying). Insistance seems to be the name of the game, and I am becoming very good at that - polite but very firm. It works with the NHS, insurers, etc.

                Comment


                  #9
                  We are with Legal And General and put a claim in for Terminal Illness and after receiving a letter from my Neurologist at the National Hospital for Neurology and Neurosurgery in London they have paid out in full.
                  I think all companies will only take notice of the Neurologist report

                  Comment


                    #10
                    That's good to hear, AM,

                    Well done Legal and General.

                    Quite often your specialist neurologist is the best and most sympathetic to have fill in forms.

                    Love Terry
                    TB once said that "The forum is still the best source for friendship and information."

                    It will only remain so if new people post and keep us updated on things that work or don't work and tips.

                    Please post on old threads that are of use so that others see them and feel free to start new subjects and threads.

                    Comment


                      #11
                      Hi Terry
                      It is a great relief for my husband who has cut his working hours so he can put me to bed before he goes.Now he can get the adaptions done which make it easier for me to stay at home as I get weaker.
                      AM xx

                      Comment


                        #12
                        My then neurologist wrote to my life insurance company 2 years ago, they paid out in full, bit of a bonus, you don't usually get to spend your own life insurance

                        That's great news AM, will you be at hospice this week? Have missed you x
                        Last edited by Jan; 14 July 2017, 21:08.

                        Comment


                          #13
                          Hi Jan Yes I will see you on Wednesday and we can have a catch up xx

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