I wrote a post a month ago regarding my CI cover being refused back in April. I appealed the decision as I discovered that my insurance company had paid out previous claims for ET and PV.
I just wanted to update you and say that I received a call on Friday to say that my claim has been successful and I should receive the money in 3-5 days! They have also backdated the interest to April and I will receive a separate cheque for this (Thank you Paul for the tip on that!). It's a huge relief and a weight off my shoulders as I now have financial security for the future whatever that may hold. I can now work part-time which has also been approved so I won't spend my entire weekends sleeping!
Thank you all so very much for your helpful information, support and advice regarding this. I can't thank you enough.
Best wishes
Angela
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That's fantastic news. I had critical illness cover before I was diagnosed, but I am 90% sure I had this condition for many years before and by the time I was finally diagnosed my mortgage was paid off. So good luck to anyone else who can now maybe get financial security. We have enough to deal with without the worry of security.
Now is the time to take things at a bit of a slower pace Angela and have a stress free Christmas. x
I can't tell you how much of a relief it is. If it wasn't for this forum, the information provided and support, I would not have appealed when they denied my claim back in April this year.
The insurance was with my employer. I thought I had my own personal CI cover running alongside my mortgage, but I don't. I won't be paying my mortgage off as I'm selling my house next year anyway. I'm more excited about working part time than I am about the money! It's reassuring to know that I won't have any worries about the future.
I may even have a little "splurge" on myself to celebrate!
Congratulations, really happy you have been successful with your claim. I am curious though, purely on a personal level. You say you had CI cover through your employer, did you pay for that or was it employers permanent disability insurance?
The Critical illness cover I have is part of our benefit package at work. The policy is only for CI claims. I don't pay for it, my firm does. It's not a disability insurance, just Critical Illness. We also have other separate insurances that are all paid for by my firm.
It was your original post 3 or 4 years ago that prompted me to appeal, thanks to your ABI information, I was successful. I was given some very helpful advice from this forum and I'm so touched. And to think, had I not joined, I would have been none the wiser and my insurance company would have kept the money I was entitled to!
Thats great news Angela. I got a similar call last week for my critical illness claim for MF. They rang me and said they would be paying it but also they are back dating it to when I was diagnosed with ET. it's such a relief as I'm looking at SCT sometime next year. (No donor yet) So glad I took out the policy now.
Because mine is a work policy and one lump sum of 2x my annual salary, they backdated the interest to April this year as that's when they denied my first claim. A little annoying as I've had a pay rise since then, so they have to pay from the salary I was on when first diagnosed.
All the very best with your SCT and I hope you find a donor soon.
I do a lot of walking and used to power walk but I can't get very far with that now as I'm out of breath too much! Hopefully life will start to take a better turn.
In my case, I believe it was because my insurance company had settled 6 claims with the same disease. I have ET JAK 2 triple neg. I appealed my claim and sent them the WHO article. I don't think it matters whether its primary, secondary, positive or negative, MPN's are classified as a "cancer". I asked for a full response as to why my claim was denied but they failed to respond, and just confirmed they would be settling my claim, backdated and adding interest from when I submitted my first claim. My Haemo did not describe it as a cancer in his report, he described it as a "blood disease". I think its more a case of who your insurance company is and whether or not they are willing to stand their ground.
I hope this helps. My claim was made via my work critical illness cover.
My insurance company was AVIVA. As for the diagnosis, all I can say is I was told by my Haemo that I am JAK 2 neg which means there is less chance of mutation and the disease progressing into another MPN. I had a hospital letter on Saturday which read "Essential Thrombocythemia - Triple Negative Mutation".
Ok thanks all very encouraging & informative for me & others who may read our conversation uv'e been great wich is what I've come to expect since every one with whom I've had the pleasure of conversing with on here ..
One thing for sure is those with MPN'S are exceptionally kind & caring thought individuals .
Hi. Appreciate this is quite an old thread now but I’m recently diagnosed triple negative ET also with Aviva. I’m just about to start a claim after reading the notes in this forum. Any advice on what I need to submit to help them understand this? Not looking forward to a battle but seems that most of these end up in appeal! Thanks all this is really helpful
PS: I do believe in some cases, the wording of your consultant is imperative. I also understand that some claims have been denied because of this. It's worth pursuing if you can.
I was diagnosed with PV in August this year I'm 36 and the diagnosis was a shock to us. My friend that deals with life insurances told my to put a claim but it got refused this week. My insurance is with Aviva but originally it was signed with Friends Life. I would appreciate any advice on how to tackle this issue now.
I think your question has not been picked up by anyone as it is under the original heading of ‘CI successful ‘.
There have been many people who have claimed. There is an ABI statement that people have used to send to their insurers. I know it’s not easy to search on this site, but if you look on mpn voice as well you may find it there. Alternatively, repost your question with ABI Statement required in the title.
DON’T GIVE UP!
Good luck
Judy
Ps. friendofpiglet and Ebot have both previously posted the full statement if you can access their news feed.
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