Critical illness cover

[Tre123]

My insurance only started covering lupus after I took it out and I was diagnosed. So I'm not covered but they said I have a disability cover

Can anyone give me advice on how I can give up work and claim on my insurance? I am 55 and I am just so fed up of the daily struggles to get up and go to work. My employers are not sympathetic and my rheumy says I have it mild! I can't imagine how it is to be suffering as so many of you do as I'm in so much pain

I'm finding bit extremely hard to function at work on a day to day basis due to the extreme pain I am in and not being able to sleep due to pain therefore I'm always shattered and miserable. People just don't understand what we go through and think I look fine. If only they knew. I tried 3 times for Pip and turned down each time!

[pmrkitty]

Where do you live?

[Tre123 in reply to pmrkitty]

I live in Greenford Middlesex

[Tre123]

London

[pmrkitty in reply to Tre123]

Sorry I can't help, I love across the pond. Someone else will be along I'm sure to help. Take care and hope there is a way.

[Tre123 in reply to pmrkitty]

Thank you for trying to help much appreciated 😀

[Loopyloo43]

Hi I know how you feel I was working upuntil 55 and only part time by then I was struggling I wasn’t keeping up and was at a loss but I ended up falling in work of a ladder from we’re i got stores from and hurt my back from we’re I had surgery twice before so that was the start of my finishing I worked in a hospital I had crutches and then a stick but they could relocate me to anything similar and using the stick was a health and safety issue? So after this I was finished nit long after the Dla changed to pip and I passed they did reduce it but I was just glad I still got it and kept my car which I would be lost my rheumatoid often says my sle is not active but my joints are visable swollen and harps on about my bloods being fine but I’ve given up on him so I don’t care if I don’t see him I was refused to a second opinion I was told the pit was empty and the health board would just say there are plenty of rheumatologist within wales totally missing the point I believe if you have a occupational health that would be the first place to start in order to keep a diary of visits it will help when it comes to finishing or through your gp. Similar thing! I hope you find answer that will help xx

[Tre123 in reply to Loopyloo43]

So sorry what you went through but I will persist just as you . 😀

[MargaretGail]

Read through your policy until you find the section which states something like 'unable to carry out the day to day tasks as required by job/employer'. Mine paid out under that section.

[Tre123 in reply to MargaretGail]

Thank you I will definitely look at my policy in more detail

[Hidden]

Hi Tre. I'm so sorry to hear of your problems - I know how you must feel. I had Permanent Health insurance provided by my employer but as with you they refused my claim. They considered it was depression and not lupus despite supporting hospital letters. This made me furious and I was resolved to fight. I was lucky to have the support of my employer and I bombarded the company with letters plus all the medical information I had. I also went to see my local MP who was very helpful raising my case in the commons - bad publicity for the insurers! If you can get a letter or an article in a newspaper this will also help, again bad publicity for the company. After a long battle I did succeed and they met my claim - so good luck. X

[Tre123 in reply to Hidden]

Thank you Tobe so glad you persisted I will start my battle too

[overnighthearingloss]

IF you have some sort of union at your place of work they may be able to help. If there is one but you are not a member it might be worth joining up. In the past you were able to join a union without the employers knowledge.

They can be useful if there is a possibility of legal action.

[Tre123 in reply to overnighthearingloss]

Hi there thank you but no union where I work I will have to battle with Legal and General under my disability cover that is part of my policy. I appreciate your reply 😀

[overnighthearingloss in reply to Tre123]

Not necessarily. Sometimes you can still join a union that covers the type of work you do. You certainly used to be able to do this without your employer being aware. It might be worth becoming aware whether there is a union that covers your type of work and finding out whether whatever cover they provide might be of use to you.

[Tre123 in reply to overnighthearingloss]

Thank you I will definitely look into this

[Cas70]

Keep fighting Tre - the moneysavingexpert website might help you find a path. There is also the Insurance Ombudsman too, but you need someone by your side and the Union idea is very good, plus your MP. You can also contact Watchdog - on the BBC website and see if they would be interested in your cause - again, bad publicity for L&G - good luck keep us all posted.

[Tre123 in reply to Cas70]

Thank you so much for this great advice will keep you all posted with any progress 😀

[jayfer]

Hi, mild lupus does not mean less pain. It simply means no organ involvement ( or so I've been told) I had to retire aged 50 with lupus and fibromyalgia. Luckily through fighting I got my work pension and low rate care component of PIP. It's so hard fighting for help when worked all your life. Good luck, hope you get what you're intitled to but have to fight for

[Tre123 in reply to jayfer]

Yes exactly.. I'm glad you won your fight I am about to start mine.

Thank you for the insight😀