Cerebral Palsy & Life Insurance
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We understand that having cerebral palsy can make some things in life a bit trickier, but it doesn’t mean that you stop living life to the fullest that you can.
Finding life insurance when you have cerebral palsy can be quite difficult. But everyone is individual, symptoms of the condition vary greatly, how you have adapted your life around the condition will be unique to you.
Availability of life insurance is highly dependent upon how the cerebral palsy affects things like your day to day living, ability to work and how your overall health is.
We’ve helped lots of people with cerebral palsy to apply for life insurance. Generally speaking, when you apply, the insurer will need quite a bit of information. This will include things like:
- Information about your motor skills
- Whether you have any neurological impairments
- Any history of blackouts/seizure
- Whether you need a carer
- Whether you are working
The insurer will also want to see a report from your GP to confirm your diagnosis and symptoms, so that they can get a good picture of your overall health.
Depending upon how the condition affects you, you could be offered life insurance at either standard or non-standard (higher premium) terms.
We understand that your primary goal is financial peace of mind for your family and we’ll go to great measures to help you achieve that. We will find you a suitable life insurance policy that takes your cerebral palsy into account.
Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.
We’ll go the extra mile to simplify the process of applying for critical illness cover for you, with you having cerebral palsy.
Some of the information that the insurer will ask for, will be similar to that of life insurance. Things like whether or not you work, if you require a carer and how the condition affects your mobility (amongst other things). And again, it’s common for the provider to obtain a GP report.
You may be offered critical illness cover at non-standard terms. This could be an increased premium or with exclusions. This would mean that claimable conditions that are caused by the cerebral palsy, wouldn’t be covered by the policy.
The terms that you are offered really depend upon your symptoms and day to day health. To be considered for most critical illness policies your cerebral palsy will have to be mild with no major complications. If that isn’t you please do not worry, there are specialist insurers that we can approach.
We’ll explain the whole process and the various options available to you simply (free from insurance jargon!).
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
It can be tricky to obtain income protection if you have cerebral palsy. The terms of the policies available to you, will really come down to how much the condition affects your ability to work and do what are considered to be normal day to day activities. The acceptance for income protection cover can be quite strict.
If you work and your employer is prepared to establish a company funded Income Protection plan, cover might be more readily available. This is known as Group Income Protection that is set up through your employer, or your own company. Please feel free to contact us if you want to know more about how this works.
What is Cerebral Palsy?
Cerebral palsy is a blanket term used for a number of neurological conditions that occurs when there is a problem within the area of the brain that controls muscle movement. There are a number of forms of cerebral palsy that can cause a variety of difficulties for an individual including the ability to move, eat, hear and see, amongst others. Cerebral palsy cannot be cured but the symptoms can be managed with a range of therapies.
Also: Spastic cerebral palsy, dyskinetic cerebral palsy, ataxic cerebral palsy, mixed cerebral palsy, choreoathetoid cerebal palsy, dystonic cerebral palsy
Some people with Cerebral Palsy may experience some or all of the following symptoms and problems:
- A need for heightened awareness of surroundings due to involuntary movements
- Difficulty speaking (dysarthria)
- Difficulty swallowing (dysphagia)
- Hearing loss
- Incontinence issues
- Mobility issues
- Muscle weakness and stiffness (hypertonia)
- Slower development and learning difficulties
- Visual impairment
- Anticholinergic medication
- Biofeedback training
- Bone surgery
- Botulinum toxin
- Cogntitive Behaviour Therapy (CBT)
- Gastrostomy tube
- Nasogastric tube
- Occupational therapy
- Selective dorsal rhizotomy (SDR)
- Soft tissue surgery
- Speech therapy
- Surgery of the saliva gland
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If you applied to a general insurer for life insurance who does not have the eligibility criteria to accept applications from people with cerebral palsy, then it’s not unusual to be refused cover. We’d need to find out a bit more about your previous applications, but would ultimately be looking to find a solution for you, even if this means applying through specialist providers.
When applying for life insurance with any health condition, you’ll often encounter more questions and will need to provide quite a lot of information about your symptoms, treatment, condition and overall health. But it needn’t be complicated. We can help to simplify the process for you.
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Review by Craig on 3rd January 2018
“Nick has been absolutely fantastic. He sought what I needed and ensured that I got the cover. He has stayed in contact throughout and made the whole process very easy” - 5
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