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Life Insurance Claim

25 REPLIES 25
celiab
Member

Re: Life Insurance Claim

Hi

I was diagnosed with liver, lung and bone mets (along with bc) in Feb 09. I had EC chemo and tamoxifen and really good responses. There was a tumour that hung around in the liver, some in the bone and the original one in the breast. In the following November I claimed my life insurance policy under the diagnosis of terminal illness being 12 months left to live. They write to your doctor about it so its important to check it out with them but my doctor said that its difficult to know how people will respond to treatment plus if I decided to not take treatment then I would most likely die.

It was a weird day when we received the money but we have used it to buy a house and don't have to worry about the mortgage. Not having money worries has made day to day life much easier. And of course I have surpassed the year anyway.....

I think as well if you are claiming DLA then the whole issue of disability/life expectancy is something that you will have dealt with anyway.

The only thing that I have never truly figured out is whether the doctor's letter and my claim counts as a 'terminal diagnosis' in relation to the constant bugbear that is travel insurance. I think not because I have never seen the doctor's letter, have outlived the year and have not had the 'there is no treatment left' conversation.

Cx

Steris
Member

Re: Life Insurance Claim

Hi Crawfo64,

You're more than welcome. It took me over a year to pluck up the courage to get the ball rolling. My husband said he couldn't do it because he didn't want to think that I only had a year to live.
I have come to realise that this disease is so unpredictable and to make the best of what we have. I know I felt guilty goodness only knows why we'd been paying the premiers for years and never thought we'd claim.

I know I'd have my health any day of the week than this awful disease but I have learnt to accept that I'm going to die a lot sooner than I'd hoped but I try and do as much as I can while I'm well and don't think of what the future will hold. Thats the way I deal with it and I appreciate we're all very different

I hope you're successful, its just one less thing to worry about.
I'm still here and enjoying life and lets hope we all have years and years to enjoy ourselves.
Take care
Chris xx

Guest user
Not applicable

Re: Life Insurance Claim

Chris, you've inspired me to try again. I think I'll start by talking to my onc, and you never know, she might say I'm not at that stage yet which would make me equally happy. I remember saying the same thing about asking my gp for the ds1500. The first two times he didn't say no but didn't say yes either and I told my OH I don't give a damn about the money, I'd be over the moon if he comes back to me and says he can't do it because there's no possible way I'm going to die. I'd actually got used to the idea he was going to say no and was really happy about it so it was devastating when he rang me out of the blue one morning and said my form was ready to pick up.

Guest user
Not applicable

Re: Life Insurance Claim

Hi Kate

Have you claimed dla yet? If you haven't I'd strongly advise you to. I know exactly what you mean about tempting fate especially as to claim dla you have to ask your gp for a form which states that you are likely to die in less than 6 months which is a hard thing to do. At first I was absolutely adamant I couldn't do it, but then I talked to the Macmillan Nurse and read some of the post on here from ladies who'd claimed and I realised it doesn't mean you definitely will die in 6 months. I'm really glad I did claim now because it's £125 per week, it's not means tested and for me it's the difference between keeping my head above water and sinking. It wasn't that easy, I had to ask my gp three times before he agreed but after speaking to my oncologist he did agree and then my claim went through without a hiccup. Even the dwp know there is no way of accurately predicting life expectancy which is why they reassess your claim every three years. XXX

katel31
Member

Re: Life Insurance Claim

It might sound crazy but I am afraid to claim in case it brings me bad luck! The only thing that is getting me through this stage 4 business is the stories I read about women living 10 years plus with the disease. I truely expect to be one of the lucky ones.. I'm only diagnosed about 3 weeks though so probably still in denial..

Steris
Member

Re: Life Insurance Claim

Hi Crawfo64,

When I applied for the terminal cover on my insurance I telephoned my oncologist and asked for advice. She said she would write me out a favourable report and asked me if I wanted a copy which I said I didn't.
I then requested a apllication form from the insurance company - they couldn't have been nicer. It was the most depressing thing I'd ever done. It took about 2 months to get the news I'd been successful. It's a relief but not goods news probably the only time I broke down because the reality of the disease kicked in.
What I'm trying to say to anyone is to look at your polcies and see if you have terminal cover. My oncologist advised this a year before but I suppose I jusdt hoped I was still there but as she said that why you've paid for the policy.
I still here and doing very well. Apart from the fatigue this disease brings.
Wishing you well with your journey and I hope its as short as mine plus I got the interest back on the 2 months I waited.
Take care
Chris xx

Alibabes
Member

Re: Life Insurance Claim

Give it a go Crawfo, tell them that your Consultant has signed a DLA 1500 form and that you would like a claim form for your TI cover. Nothing ventured and all that.....!

Ali

Guest user
Not applicable

Re: Life Insurance Claim

Hmmm, Lands, it's interesting that you had to ask twice. Maybe I'll try again then. The women on the claims line just asked me if I'd been given a prognosis of less than 12 month and I said no. Maybe I should just say yes or maybe I could say I'd rather not discuss on the phone and could they just send me the form. The fact is they will have to pay out in the end anyway. Unfortunately that is a reality I've had to face, it would mean so much to me in terms of ensuring financial security if I could have the money now.

Bethy
Member

Re: Life Insurance Claim

This is a really interesting thread! Two years ago I claimed a very nice sum on my critical illness cover but I had no idea there was a company out there willing to take on sufferers for new life insurance cover....hopefully only to be used in the distant future.Just phoned the Insurance Surgery and they were most helpful:)

Best wishes to everyone and thanks.
Bethy x

Alibabes
Member

Re: Life Insurance Claim

Always a dilemma but you don't have to see the Consultant's report. You can get the claim form, do your bits on it and then they usually request information from your Consultant direct.

If they have done you the special form, erm, a 1500 something is it for DLA, then you might find the Consultant's answers are in your favour. But as you rightly say, who knows what time we all have left? It is only "best guess" based on the info they have available to them. It doesn't mean you won't be here in 12 months' time and I sincerely hope you are all here for many years.

Sigh, this is always a very tricky one isn't it but do have a think about it bearing the above in mind.

Ali

Guest user
Not applicable

Re: Life Insurance Claim

We have life cover where the company 'threw' in terminal illness cover, i think the best you can hope is they will try every trick in the book to not pay out and say 'it's written very specifically' (to never pay out i bet).

Your company's 'claims team' seem to have made a very quick assumption between your first post and todays update ?.

After an ititial phone call our company wriggled and didn't want to send a claim form out, the 2nd time we persisted and they sent out the claim form bedgrugingly, which has now gone back. We'll leave it to see what the oncy decided to put on the form, the local gp has said they will wriggle like hell and we expect it to not pay out while we can make best use.

It's good though isn't it, in huge letters on the 1st page life cover & payout on diagnosis of a terminal illness then on the last page if you hold a strong magnifying glass over the full stop at the end you may just see the terms and exclusions, there are dozens of years years left on the policy, personally we would rather not even have the money one bit but a healthy long term future.
In the meantime we would prefer the money now to make things a lot easier with a proviso that if the policyholder is still going strong at policy end they pay it back with interest. We'd love to be in that position but i don't suppose pigs will ever fly.

Pity we cancelled a different critical illness policy a few years ago worth twice as much, but we'd much rather have no 'scam' policies just a long healthy life ahead.

Guest user
Not applicable

Re: Life Insurance Claim

I've just rung my insurance company and it looks like a no go which is disappointing. You have to be explicitly told you have less than 12 months to live which is a bit problematic given that no one knows how long someone has left, not even the doctors, and do I really want to go and ask my onc to tell me if I've got less than 12 months. Even if it was true I'd rather not know.

Guest user
Not applicable

Re: Life Insurance Claim

Oh thanks. That's a relief. I set the policy up before long before I had cancer so the premium are relatively low.

Alibabes
Member

Re: Life Insurance Claim

No they cannot cancel it if it is a normal term assurance policy and no the premiums cannot be loaded after inception. It is written and issued based on your health at outset not what happens subsequently. Beware though some ultra cheap policies do not have TI.

Ali

Guest user
Not applicable

Re: Life Insurance Claim

Hi all, Thanks for all your replies, As has all ready been discussed, yes it was life insurance I was talking about not critical illness cover. I think it's pretty standard that most life insurance policies have a clause which will pay out the full amount if you are diagnosed with a terminal illness, it just boils down to how they decide if you are classed as terminally ill. Kate, I am also hoping I've got years left but I could be being optimistic. I guess the only thing to do is claim and see what happens. Except, one thing I was concerned about is if I tell them I'm terminally ill could they cancel the policy or try to charge me more for it?

moser
Member

Re: Life Insurance Claim

This is all incredibly helpful. I am going to see if i can get cover that pays out in the event of a terminal diagnosis. Hopefully I will never need it, but well...

Thanks again, Mo

Alibabes
Member

Re: Life Insurance Claim

Well I wish you the best of luck. I am a "resting" Independent financial adviser as I care for my parents currently but been in the industry since 1994. If you have any questions feel free to PM me, if I can help I will.

Ali

katel31
Member

Re: Life Insurance Claim

Thanks. I live in a different town from my parents and my dream has always been to move back to my home town but it has been impossible financially .. So if we successfully claimed I would be able to move home!!

Alibabes
Member

Re: Life Insurance Claim

Kate I don't think there is any sort of proof that can be given, it all comes down to what your Consultant says to them.

At the end of the day the insurance company can only say no to a Terminal Illness claim so give it a go. Nothing to lose.

Ali

katel31
Member

Re: Life Insurance Claim

Interesting. I am stage 4 and 31 yrs old. I hope to live for many years but who knows! If we could make a claim for terminal illness on our life insurance policy it would make things so much easier for us financially..
How can they prove how long I will live if the disease is terminal..? Any thoughts? Have any stage 4 ladies successfully claimed for terminal illness?

Alibabes
Member

Re: Life Insurance Claim

Terminal illness and critical illness are two different things. CI is an illness whereby you are expected to live but it will have a serious effect on your ability to work and undertake normal everyday activities. They are things like heart attack, cancer and strokes and were designed as a result of a request from Dr Christian Barnard, the heart surgeon. He was saving lots of his patients but they were suffering financial hardship as a result of being unable to work for many months etc.

Terminal illness is where your Doctor expects you to die within 12 months. However, as the OP has said, that isn't a precise science!

All you can do is submit a claim, the company will ask for reports from your specialist and then give a yay or a nay! It was designed to enable you to enjoy the remainder of your life, put your financial affairs in order etc etc.

Hope that clarifies things a bit for you.

Ali

lolly73
Member

Re: Life Insurance Claim

I am only insured for death and can never get critical illness again. But if its terminal, they will pay out before actual death. I do pay increased premiums for first 6 years, and couldnt start policy until 2 years from end of treatment. Its with The Insurance Surgery, as specialist co.

moser
Member

Re: Life Insurance Claim

Hi Lolly73

Wow, I did not know you could get another Life Insurance policy again that paid out on terminal illness. Would you mind if I asked which insurance company you are with? I was told by several companies that I could only now be insured for death.

Mo

lolly73
Member

Re: Life Insurance Claim

I have just taken out a new life ins policy (after critical illness payout 3 years ago for primary bc). The policy states that it will pay out on death or terminal illness.

moser
Member

Re: Life Insurance Claim

Hi Crawfo64<</p>

I am not quite sure what you mean about claiming on your life insurance. I thought that life insurance only paid out on death. I wonder if you mean critical illness policy - I claimed successfully on this when I was first diagnosed. Sorry if ;ve got the wrong end of the stick here.

Mo

Guest user
Not applicable

Life Insurance Claim

I think the time has come for me to consider making a claim on my life insurance. I'd like to spend whatever time I've got left with my family not worrying about work, etc and it would be one way I could ensure financial security. So, I was wondering if anyone else has done this, how easy it was and how long the process took, etc. Of course, I'm hoping I have more than 12 months but I can't be certain and it's very difficult to estimate prognosis these days anyway with all the new drugs that prolong life. How do the insurance companies determine your life expectancy. I've been given a DS1500 form from my doctor but I don't think for a minute the prognosis is less than 6 months so is it a similar thing with the insurance companies? Any help would be gratefully received.

XXX