New to this- will gIve basic lowdown on my condition and then the specific Life insurance problem i have:
I'm age 34, about 5ft 11, 12.5st male.
Smoker of 15- 25 rollies a day for 20 years (Quit last month/ July 10th 2016)
Smoker of cannabis / marijuana back in the day for about 15 years and quit about 5 years ago (quite heavy at approx 50 joints a week/ tobacco and cannabis on top of cigarettes)
In Sept 2015 I went for a CT scan for lumps on my neck- Turned out it was nothing, but they picked up on 'bubbles' in my lungs.
In Jan 2016 I went to an NHS thoracic specialist.
He talked me through the scan / talked a great amount of 'tech-talk' / pointed at things etc I didn't really know what he was saying / meaning as the lungs CT scan looked like a baby / ultrasound scan he was pointing at; but as long as cancer was not mentioned there were no alarm bells.
He mentioned the word bulla / bullae, again, I didn't now what this meant (nor indeed how serious it was)
He said about checking me for the Alpha-1-antitrypsin deficiency for Empyhsema and told me to quit smoking, it wasn't doing me any favours.
Said that they would get in touch if blood test showed up anything
So I went for blood test straight after this meeting.
I didn't hear anything from my GP so after 2 weeks I phoned them, still nothing- GP said that they would get in touch if there was anything untoward.
LIFE INSURANCE PROBLEM:
In April - May 2016 myself and my partner applied for a mortgage.
I let the insurance company (Legal and General) know about the CT scan and that there was no further implications/ matter closed.
In July 2016 I was at GP's with a hand injury.
I noticed on the GP's computer screen, showing my record it said "Segmental Bullous Emphysema" and freaked out- I said what is that all about?
She said she noticed it an was going to ask me because i was so young.
She brought up a letter from the thoracic specialist that mentioned the cannabis use in the past.
I told her that it was not made clear to me that I actually had emphysema. I was so angry at the 'production-line attitude' of the specialist for not spelling it out to me- either by handing me a summary of the discussion we had or at least scheduling some sort of follow up coaching / counselling.
Such a sh**ty way of finding out you have emphysema.
As soon as I left the surgery I bought and read the Allen Carr book and, although difficult, I am smoke and nicotine free since a week after reading that computer screen.
GP said that my tests show 103% and 106% performing better than expected (though i don't know if that means they thought my lungs were mangled and that they predicted they should have been worse?? meeting a respiratory nurser next week to go through scan again, i requested the specialist but got the nurse)
My problem now is- with the insurance company.
The GP said that its best to let insurance company know as "they can be b***ers"
She said that they will be able to provide the insurance company with tests that show i have better than normal lungs, function wise.
Will our current life cover be obsolete now?
Or will it go way way up?
We have 'critical illness' cover too.
Please can someone advise the best thing to do as the whole situation was borne out of miscommunication.
PS- Sorry for the long text, just giving background to an awkward, confusing, stressful and frustrating situation.