Critical illness insurance : Has anymore... - LUPUS UK

LUPUS UK

31,596 members28,004 posts

Critical illness insurance

Harry19 profile image
5 Replies

Has anymore successfully claimed off their critical illness policy after receiving a diagnosis of sle please ?

Written by
Harry19 profile image
Harry19
To view profiles and participate in discussions please or .
5 Replies
Harry19 profile image
Harry19

Have many of you needed to claim and give up work ?? I’m newly diagnosed and fightened the future

CecilyParsley profile image
CecilyParsley

Hi Harry, yes I did. I have Critical Injury Insurance and there was a clause if you can no longer work then you get the payout. Mine was used to pay off my mortgage. My Rheumatologist and GP had to write a report. Good luck

Harry19 profile image
Harry19 in reply to CecilyParsley

I can see it’s in my policy . Can you claim and still work do you think ?

CecilyParsley profile image
CecilyParsley in reply to Harry19

They told me no. To be honest I was so unwell I did not even think of claiming until they raised my contributions and I could no longer afford the policy after paying it for 25 years as I was on benefits. When I rang to cancel they asked me how long had I been off work and I told then five years. I was advised to pay the new instalments until I was given the decision. Both my Rheumatologist at the time and my GP felt that I could no longer work and I was paid out in about six weeks. I wish you luck. It really does make such a difference

overnighthearingloss profile image
overnighthearingloss in reply to Harry19

I have some sort of critical illness attached to my employment contract. I didn't even realise I had it initially. I was never ill in earlier times and had not been aware it was in my employment package.

I have been paid from it for a while now. It pays a portion of my last salary.

I don't think all policies are the same and you would need to check exactly what is contained within yours.

If you are in a union the legal team can be useful at times like this.

I think if I go back to work the policy stops paying, but you will need to check what clauses are contained within yours.

You may also like...

Critical Illness Insurance

experience of making a claim against Critical illness Insurance for their SLE? I am unable to work...

Critical illness cover

have a policy with Legal & General for the past 15 years. I called them today to see if I could...

Critical illness cover

My insurance only started covering lupus after I took it out and I was diagnosed. So I'm not...

Lupus life insurance is it possible!

through the possible worst pandemic this country has been through, I would like to ask if any of...

Post Motability Car Insurance

that as a Motability customer I don't have a no claims bonus, so Insurance companies are giving me...