Critical illness cover - successful !!!

[forwardocho]

Hello Everyone

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

[Paul42]

Thats great news...well done

[forwardocho in reply to Paul42]

Thank you Paul. And thank you so much for all the information you provided.

I'm chuffed to bits!

[fannetastic]

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

Anne

[forwardocho in reply to fannetastic]

Thank you Anne. Congratulations to you too.

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!

Best wishes

Angela x

[Mallard]

Hi Angela

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?

Best Wishes

[forwardocho in reply to Mallard]

Hello Mallard

Thank you.

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.

Kind regards

Angela

[rubyrubyruby]

Congratulations, it is certainly one less thing to worry about.

[forwardocho in reply to rubyrubyruby]

Thank you so much Ruby.

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!

Best wishes

Angela

[Yasmin86]

Congratulations!!!

[forwardocho in reply to Yasmin86]

Thank you Yasmin x

[lizzziep]

Good news, a great relief for you, and an inspiration for others who want to claim.

[forwardocho in reply to lizzziep]

Thank you Lizzie. Yet it is, finally I can reduce my days at work and not have to worry about the financial aspect of it.

[Nickthedevil]

That's great news. Enjoy working part time, I'm sure it will make a huge difference to you.

[forwardocho in reply to Nickthedevil]

It certainly will....at least I won't spend every weekend sleeping!

Best wishes

Angela

[29ewhite]

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.

Enjoy your time off.

E

[forwardocho in reply to 29ewhite]

Thank you and congratulations to you too.

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.

Take care

Angela

[nivana]

Well done, so glad life will be easier for you now. When the weather improves have some nice walks - it's relaxing and takes your mind off our MPNs.

[forwardocho in reply to nivana]

Thank you Nivana

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.

Best wishes

Angela

[Jackie49]

Really pleased for you , well done.

[nightssky]

sept 2018

pleased to here you finally resolved your CI claim

What was the sticking point ?

...was it the consultants wording on the forms they returned ?

Or was it because there was uncertainty with regard to it being Primary prv or Secondary ie with jak2 positive ?

Does the Primary or Secondary make a difference when putting a claim?

your advise here would great

[forwardocho in reply to nightssky]

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.

[nightssky in reply to forwardocho]

hi what brilliant advise thank you who was your insurance company ?

& what does triple neg mean ? many thanks

[forwardocho in reply to nightssky]

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".

[nightssky in reply to forwardocho]

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 .

Many thanks all the best cheers

[Beachmum22 in reply to forwardocho]

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

[forwardocho in reply to nightssky]

On reflection, the insurance company may have been AXA, I know it began with an A! It's been a while since I was paid out.

[forwardocho in reply to nightssky]

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.

[nightssky]

thanks you have been very helpful

[Isabella_paulina]

Hello

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.

[piggie50 in reply to Isabella_paulina]

Hi

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.

[Isabella_paulina in reply to piggie50]

Thank you for replying to my message. I'll keep searching

Regards

[piggie50 in reply to Isabella_paulina]

Hi, I’ve found the post from friendofpiglet

friendofpigletin reply to sianb17

2 months ago

The documents in my google share should help.

drive.google.com/drive/fold...

Good Luck

[Isabella_paulina in reply to piggie50]

Hi,

Thank you that you found time to look it up. I do appreciate it. I mailed it back to Aviva and keep my fingers crossed 😌

[friendofpiglet in reply to Isabella_paulina]

Good luck! There's another post today regarding a successful claim to Aviva.

[piggie50 in reply to friendofpiglet]

Hi friendofpiglet,

I hope you didn’t mind me passing on your information to Isabella_paulina?. So many people on the forum struggle to find the ABI statement.

Judy

[friendofpiglet in reply to piggie50]

Absolutely not! I've left that share open for the benefit of anyone on this forum who might need it.

Andy