Dermatomyositis & Life Insurance
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We appreciate that there is no one set rule for how dermatomyositis affects someone. Everyone is individual and the location and strength of symptoms varies for each person.
We have made it our mission to help people with medical conditions, liker dermatomyositis, to have fair access to insurance.
Things we will need to know to help find the right insurer for you:
- Where does the dermatomyositis affect you?
- What symptoms do you have?
- What medication do you take?
- What treatments do you use?
- Are you able to work?
Life insurance for people living with dermatomyositis will generally be available at special terms. This usually means that the premium for the life insurance is increased above the base premium, in relation to how much the dermatomyositis affects you.
Your life insurance application needs to be placed with an insurance provider that understands the condition fully and is prepared to offer the lowest premium rating possible.
The insurer will want to know how long it has been since the time of diagnosis, the medications and treatments that you use to manage the symptoms and how strong your symptoms are.
The insurer will most likely want to see a report from your GP to establish your overall state of health and confirm how the dermatomyositis affects you. They will ask you for your permission for them to do this.
The amount at which the condition affects you will determine the policy acceptance terms that you are offered. The terms will range from a premium loading, a postponement of the application until a specific time period has passed or in extreme cases the insurer may choose to decline cover.
Please do not worry if you have been declined or postponed life insurance, this is where our service stands out. We have won many awards for our ability to find insurance for people, who have previously been told that they cannot have cover.
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.
Critical illness insurance for people with dermatomyositis will typically be available with a number of insurers. It is incredibly important to research the market and find the right insurer for your individual needs.
The insurance provider will want to see a report from your GP that will confirm your general health and the specific symptoms of dermatomyositis that you experience. The report will also give them details of any medications and methods used to treat the condition.
The critical illness cover application will likely be accepted at non-standard terms. This means it will probably have a loading to the policy premium.
In some cases the application may be postponed until a later date, or in rare cases be declined. Please do not worry if that is the case, there are specialist insurers that can be approached for critical illness cover.
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
Income protection for people living with dermatomyositis should be available with a number of insurers. You are most likely to receive an offer of cover if there is little or no medication in use.
The insurer will want to know if the dermatomyositis has caused you to have any time off work. If you have, please do not worry, we can talk you through the options that are available.
It’s likely that the insurer will want to confirm your medical details with your GP. This might not sound ideal, but it is often a good thing, as you then have confidence in knowing that you have not missed or forgotten anything relevant to your application.
If income protection is available to you following the application underwriting process, it will most likely be at special terms. This will probably include an exclusion for any claim relating to the dermatomyositis.
If you find that income protection is not available to you, or you do not like what is on offer, there are other options. One of these is Accident, Sickness and Unemployment cover.
This policy type will replace your income for 12-24 months if you are ill and unable to work, or if you are made involuntarily redundant. The application will not ask you medical information, so your dermatomyositis will have no bearing on the acceptance terms.
But, it is important to note that the policy will exclude any claims relation to the dermatomyositis.
What is Dermatomyositis?
Deramtomyositis is a condition that causes inflammed muscles, skin rashes and may have implications to the joints, lungs and heart. It is possible that with effective treatment through lifestyle choices and/or medication, the condition can go into periods of remission where symptoms significantly lessen.
Also known as : Myositis
Linked with: Polymyositis, autoimmune disease, cancer, diabetes, thyroid disease, myasthenia gravis, post-infectious reactive myositis, inclusion body myositis (IBM), rheumatoid arthritis, lupus, scleroderma, juvenile dermatomyositis, osteoporosis
Possible Symptoms: Excessive urination (polyuria) and thirst (polydipsia), dehydration
Some potential problems experienced by individuals who have dermatomyositis include:
- Difficulty breathing
- Difficulty swallowing (dysphagia)
- Extra care with sun protection
- Flu like feeling
- Long-term breathlessness
- Mobility issues
- Muscle weakness
- Weight loss
- Bent joints (flexion contracture)
- Violet/red skin rash
- Calcium tablets
- Disease-modifying anti-rheumatic drugs (DMARDs)
- Immunoglobulin infusions
- Intravenous immunoglobulin therapy
- Vitamin D tablets
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