Hello everyone. I have just received a letter confirming my critical illness policy will pay out. I am very happy about this but also it’s a bit scary knowing that my illness is critical. When I think about it too much it makes me very sad. Obviously the money will help out at lot and make our life easier, but I can’t help getting upset thinking about it.
Hope this makes sense
Take care x
Very pleased for you.
HI Maisie10
I have ET Jak2+ I do not have critical care maybe it is because the way I look at it is if you give into an illness it means it has won and I try to think positive I was young when I had my diagnosis I have had 3 blood clots and major brain surgery and I am still smiling as I think I am strong like the song says titanium and the support you get from the Brilliant Maz and Nona so keep your chin up and take each days as it comes no matter what happens
best wishes
Scottish Terrier
Mine paid out 4 years ago and still going strong with very little advancement in my MF so one up for me, one down to the insurance company. Enjoy the loot as getting the payout is great and doesn't have any negative affect on your life expectancy. They just play the stats.
Kind regards
Guy
Thank you Guy. It will help us a lot. Take care
It’s an interesting one, I have insurance and claimed but only received 30% of my total cover as we have a ‘chronic illness’ meaning it’ll never go away but we’re not ‘critical’ ie life limiting / shortening. It’s frustrating, however I can see their point and should my health deteriorate for other reasons I can claim again, my policy continues to run. The good news is we can lead a normal life and we’re expected to live as long as our friends, think of the positives and enjoy making some lovely life changes xxx
Congratulations Maisie! I understand the juxtaposition, I felt the same when my payout was granted. I think at this time this illness is more mentally challenging for me than physically. Enjoy your windfall x
Hi Maisie,
I have learned to take control of my illness and feel better now than in the past 10 years. I do so much alternative nutrition and eat an excellent diet, which has relieved symptoms and reduced my meds.
Five months ago, I sat in front of another hemo, since mine was out sick. I figured I would ask her if it would be possible to reduce one pill, since I didn’t think it was no longer necessary. I also told her what I was doing. (My other hemo is open to all this and we have a good partnership going). Well, she stared me down, paused and said, “You have a heavy illness. You might have a stroke. How will you deal with that?” Her words were delivered with fearful precision that bore down into me and for the next weeks, I was not well. I was in a “cancer” “doomsday” mindset. My thrombos went up. Oh horror.
As soon as I got myself back together and snapped out of the “trance” she put me in, I continued as before and I was able to lead a happy life again. When I finally got to my own hemo 2 months later, she gave her approval to reduce a pill and I feel even better. I also got more mitochondrial support, just finished a 5 day water fast, which cleans out old body and old, useless immune cells. I now have a new energy kick.
I’m plugging forward, while being friends with my “critical” illness. I will no longer allow words or such people who say them to bother me. Be thankful you have the extra money, every day! It makes your life easier! Use it wisely and enjoy every day. Everyone carries some sort of burden. But we can all choose that the burden be on wheels, instead of dragging it behind us. Or even better, see it as a puppy on a lead, that we should love and care for.
A big smile to you! Anag
Hi,
Yeah we felt exactly the same too.
My husband had PV now he's progressed to post PV MF .
Hes stable on ruxolitanib and hydroxy his bloods have been in normal range for several months now it's also reduced his spleen.
He works full time and is so tired .
Let's hope one day there will be s cure .
Tracey
Well done. I understand exactly where you’re coming from. I felt precisely the same. It felt like I was making a big deal about something I didn’t want to make a big deal about and putting an official seal on the fact that I had a cancer which up to then I had played right down. I am very grateful for the pay out, especially as the years have gone on, but it was definitely a weird mix of emotions at the time.
Pleased you got confirmation of your pay out. It makes a massive difference, my hubby was able to reduce his hours without the added burden on me to pay our mortgage from my wages. It's scary that it's critical however it's the not being monitored & treated (whether with aspirin, hydro, venesections etc..) that give it the critical element. As you have been diagnosed & are under health professionals the critical element reduces however. It's still a worry at the back of our minds but a bit of financial security reduces one element of fear.
Thank you for your reply. I feel so much better in myself since being diagnosed as as you say it’s being treated and I’m being looked after by some good professionals. X
Exactly, diagnosis for Hubby meant we knew why he had the symptoms & whilst they are still a burden for him, life is more harmonious as we have things in place to handle it rather than arguing over it. His brain fog is awful so we have reminders for everything so he shouldn't forget.
If only I had taken out 'critical illness' cover............
Hi, it’s funny because that is is exactly the way I felt and exactly what I said to my wife earlier in the year when my policy paid out.
The most important thing is it has taken away some of the work stress as the money was used to pay the mortgage off. Stress, as we know, is bad at the best of times let alone with an MPN. As a self employed person the critical illness settlement means I can have a rest if I need it without the worry of losing earnings to pay the mortgage and that’s a massive relief. Hopefully it will make life a bit easier for you as well👍
Thank you so much for your reply. We took out the policy years ago like you as my husband is also self employed. This as you say will pay off our remaining mortgage and make life easier for us. As I also work for the business I can now cut some of the hours I work as well when feeling tired.
It’s nice to speak to people who understand.
Hi Maisie10. I'm pleased for you. My ex husband cancelled ours as soon as we split and I already had my diagnosis so have never bothered with life insurance since then. Very sad as it would have left money to our children and grandchildren.
Enjoy the money. Mel x
Hi Mel
Just shown my husband your reply and he has said that as your policy was live when you were diagnosed you should still be able to claim on your policy. Might be worth looking into. Take care x
Thank you but it was 15 years ago x
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