Hi all, been tryin to read other threads on this to get a feel for how successful these claims are.
I was diagnosed on 19/3/10 with liver mets. Called Legal and General today to claim and was asked how long i have. I couldnt answer cos they havent said likely timescales? Not sure ready to hear it either.
Sending forms out but is it worth speaking to my consultant and advising her i am claimin under terminal illness clause and she needs to be brutally honest about that? i dont partic need to see it but i have a feeling already that this lot will try to avoid paying out under the reason I am currently receiving ongoing treatment. Albeit preventative rather that curative treatment.
Other prob is I have been turned down for DLA too. They didnt apply under special rules for me though (welfare benefits macmillan advisor). Its going to appeal. I am wondering if I should have applied for this DS15000 or whatever it is cos seems cruel i am being declined.
Anyone advice on the claims process or any probs you faced trying to get a pay out???
Hi
I havnt used this company, but had several policies which all paid out in full for critical illness . I was DX DCIS, so no way terminal and can say they were all very helpful, especcially Aviva which was the biggest payout.
I would appeal or at least confirm that is is terminal insurance not critical-seems very unfair. Hope you get some good helpful answers.
Hi Signet,
I dont have any knowledge of the insurance claim but re DLA forget the appeal - tell them you have now been diagnosed with secondaries and are submitting claim under Special Rules DS1500. This is something your macmillan nurse will definitely be able to help you with. Actually it might help once you have done that to say to your insurance company that you are claiming under Special Rules DS1500 which states you may have less than 6 mths. Please dont let that fact worry you. This is what your consultant, or whoever signs the ds1500 has to state. Many of us are living well beyond that. In fact the DWP regards it as normal because they will check after 3 years that your conditions hasnt changed LOL.
Dawn
xx
Hi signet,
i was diagnosed primary and secondaries within the same week just over a year ago. doctor signed DS1500 so I could claim DLA and also gave me a letter to advise I couldn’t queue for a long time which we use at theme parks so we can still take the kids. I also have a blue badge which leads on to other things. Don’t be put off by your insurance co. I claimed under two policies. First was critical illness which paid out without question. The second was a policy with a terminal illness clause. Firstly they said they wouldn’t pay out but after some conversations and just under two weeks later they changed their minds and paid out. Amazingly it was the same insurance company. Don’t be put off.
Snoogle
x
Hmmm just spoke with my welfare ben macmillan advisor and she refusses to go down the DS1500 route. Says thats only for people who have 6 months or less to live. I have tried to explain that nobody can put a time on how long i have and yes my ONC is being positive nad so am i but for DLA purposes then surely i am entitled down this route?
Also for purposes of claiming life insurance the company say its got to be a case of you having 12 months or less to live. My ONC again wants to be positive but agrees she cant put a timescale on me.
So it would seem due to my ONC and GPs positive attitudes I am not going to get DLA or be able to claim life insurance. We wanted DLA anyway as I am struggling day to day with side effects and the kids etc and the life insurance we wanted while i am here to enjoy the comfort of being financially unburdened.
But its not looking good…
Signet
Keep appealing the DLA…I know it’s a pain in the butt, but I have it on good authority that the more you appeal, the more you wear them down & hopefully they’ll finally see sense!
Is there another McMillan advisor you can speak to?
The first one I spoke to told me I would be wasting my time applying, so I went elsewhere to a different advisor & she filled in the forms & I was awarded the min care component first time (I have lymphoedema).
Unfortunately, like everything else, it seems that some Advisors are better than others!
Good Luck!
Hx
Yayyyyyyyyyyyyyyyyy my persistance has paid off. My ONC just rang me to say she totally understands why I am pushing this point. She agrees it isnt wrong or dishonest of her to say I could die within the next 6 months because there are no guarantees with this illness. She said she thinks it highly unlikely I am going anywhere soon due to my general fitness etc… adn the degree of the mets at present which is great too.
She said she admires me wanting to sort things out now and is signing DS1500 for me today and also signing insurance forms to pay mortgage!!!
Cant wait to tell OH but he is at a psychologists app bless him as he isnt handling all this xxxxxx
its a kind of bitter sweet victory isnt it!!! I am delighted to be classed terminally ill then on the other hand I dont want to think of it like that at all!!!
I agree H that my advisor just isnt any good. I am a benefits advisor by profession (when at work) adn train other advisors and she just doesnt get the legal loopholes etc…
i doubt she would have won my appeal for me. I wont get it backdated now to xmas but so what. At least i will get it from 19 March this year when secondaries dx.
WOW signet that is a result! I think this 6mth business is a tricky one. Thank goodness my onc takes the attitude that no one can predict with 2ndaries so she signs them all 
So glad you got one with the same attitude. Hope you get lots of time to enjoy it!
Dawn
xx
Hi Signet
I follow your post with interest, as I too have a Legal and General critical illness/terminal illness policy and I had a bone secondaries diagnosis on Wednesday.
I wish you lots of luck and hope that they pay out without quibbling very quickly. Please keep us informed of your progress. Reading your post has just sent me up to unearth paperwork that hasn’t seen the light of day for many years. I think that my policy is still valid, unfortunately it isn’t much, I should have increased the cover when we extended and remortgaged, (but I didn’t 
hopefully even reducing it by a third which is what the payout would cover, may enable me to work part-time from now on - fingers crossed!
I have one problem though in that I changed my name 9 years ago and didn’t inform them. Does anybody know if this makes the policy invalid? The samllprint doesn’t mention this- only change of job! I am hoping it will still be OK, I can prove it is still me surely by presenting my marriage certificate? Or do they try to find excuses to avoid payments?
Take care and good luck with pursuing your payment!
Nicky
Hi Nicky, thats a shame about not increasing the cover but then who thinks about these things really in day to day life. We just dont expect this to happen xxx
Sorry to hear about your diagnosis and I hope your coping ok. I know I have gone thru quite an emotional roller coaster this week and cried more than I can remember at any time in my life. I feel I am coming out the other end though and just little things like getting the DLA has taken some weight off me.
Try calling this number for Legal and General, its for their Health Claims Team open between 9am and 5.30am Monday to Friday - 0800 068 0789 or email them on <script type=“text/javascript”>eval(unescape(‘%64%6f%63%75%6d%65%6e%74%2e%77%72%69%74%65%28%27%3c%61%20%68%72%65%66%3d%22%6d%61%69%6c%74%6f%3a%68%65%61%6c%74%68%2e%63%6c%61%69%6d%73%40%6c%61%6e%64%67%2e%63%6f%6d%22%3e%68%65%61%6c%74%68%2e%63%6c%61%69%6d%73%40%6c%61%6e%64%67%2e%63%6f%6d%3c%2f%61%3e%27%29%3b’))</script>. I would imagine if you can provide your birth certificate and your marriage cert then thats proof enough for them and under the circs your claiming I would be disappointed if they tried to get out on that!!!
Good luck Nicky and keep postin on how your doing xxx
Lynn