Is MND Classed as a Terminal Illness or not?

[Guest]

As far as I was aware MND is a terminal illness, does anyone know for definite for insurance purposes if it is classed as a terminal or critical illness?
I thought the definition of terminal, was incurable disease like MND?
The reason I'm asking this because I have found a life insurance policy that also covers the terminal illness.
Kind regards
John

[Guest]

Hi John,

I'd say terminal.

You can get insurance to cover mnd but you have to live so many years (3 usually) before you can claim.

[jadedjohn]

Thanks jeannie

I already have a policy that covers terminal illness but the insurers are disputing the claim

John

[Z3 Driver]

Hi John, i would contact your professor / neuro consultant explaining the situation and ask for a letter explaining MND and your dx. Your insurance co may then take action.
Worth a try .

[luce]

Hi all
re benefit claims etc they count terminal illness as expected to die within 6 months.

Clearly people can have a terminal illness and live for a long time with that illness, into decades and longer.

Re travel insurance- if found the only way to get travel insurance for my mum was to say that she has not been diagnosed with a terminal illness (did not feel it was a cheat as they company we went with insure people with MND).

re your life insurance- perhaps it would be good if they told you what their definition of terminal was? then perhaps the neuro will be clear when writing the letter
all the best
Luce

[gypster]

In my case my insurances and pensions paid out on the basis of terminal illness. This included those that technically required confirmation of me having less than 12 months to live. My Neuro was more than happy to pen a cleverly worded letter. I also had the opportunity to speak the senior medical advisor to a major insurance company who told me that with MND it was accepted that life expectancy was unpredictable and policies would be paid once confirmation of diagnosis was recieved.

[jadedjohn]

what company where you with? - im with Bright Grey

john

[Alienista606]

any experience whit pension plan from standard life and life insurance from aviva?
and what happen where U claim insurance and U be alive longer then 6 month?
max

[gypster]

I had a pension plan with Standard Life and insurance with Aviva.Both payed out without a problem.Once paid out it is none of their business how long you live.

[jadedjohn]

Lucky you, mine are with bright grey who are disputing the claim, saying oh lots of mnd people live beyond 12 months, I have another eith royal liver which I have to to try
John

[Robyn Copley-Hirst]

Hi John,

Sorry to hear you're having trouble with this. I've had a word with Jacqui on our Connect Team, our fount of knowledge on anything money related. She recommends that you ask directly what proof they're actually looking for and also ask what proof they would accept ie. letter from your GP, neurologist, a breakdown of statistics of people with MND from a reliable source etc.

Also, check if Bright Grey are the actual insurers or a broker. Often several companies are underwritten by one bigger company - a bit like several banks often being owned by a larger banking group behind the scenes.

If they are a broker it's often worth dealing directly with the people behind them; the actual insurers, if that is possible.

Good luck... and if you need to talk anything over that we might be able to help you with, do give Connect a call on 08457 626262.

[jadedjohn]

Thanks RobynBright Grey or subsidiary of the Royal London insurance company. They do have an appeals process which when I am given the definite rejection I will be taken up. They haven't said no yet it just seems to being passed up the chain, at first it was always rely solely on the word of the neurologist, then they said it has to be looked at their chief medical officer, now it's gone up to the underwriters, so to me it all sounds a bit odd.

john

[Robyn Copley-Hirst]

Fingers crossed for you, John, keep us posted. Robyn

[computatec]

MND is most certainly a terminal illness, but as stated by Prof Talbot in his book "MND The Facts, everyones journey is of diffent length and is personal to each individual. There is absolutely no predicted life span and averages do not mean anything at the individual level and should not be used as a prediction of life expectancy.

One of the problems with life insurance is that they have lists and tarrifs for most of the diseases and MND is probably not on it.

Clive

[jadedjohn]

normally you are expeded to die within 12 months - my 2 policys do anyway!