quick query...has anyone had a loved one pass away from cirrhosis (I did in October) and insurance are refusing to pay out?
It all seems so unfair on the people left behind who have lived with an alcoholic and the problems this brings, having looked after them through difficult and distressing times when the cirrhosis becomes end of life care and now lose out financially because it appears alcohol problems weren't declared...unbeknown to the spouse.
My husband was always in denial about his alcohol problems, as we all know it's the nature of the disease. I don't think he would knowingly have done anything so deliberate as to lie, it was more likely he didn't fully understand the implications and did not want to listen. Incidentally cirrhosis was not the diagnosis when the policy was taken out but there are entries in the doctors records which state advice to cut down on drinking and abnormal LFTs.. cirrhosis came much later way after the policy was taken out.
Where can we go from here? Any suggestions would be greatly appreciated. I will of course appeal but I've been told the chances of a payout are low to nil...