Polymyalgia Rheumatica & Life Insurance
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Having polymyalgia rheumatica can make day to day life troublesome for some but it does not always have much of an impact on a life insurance application.
Things we need to know:
- When were you diagnosed with polymyalgia rheumatica?
- Do you take any medication for this?
Life insurance for people with polymyalgia rheumatica may be available at standard terms if your symptoms are very mild and you do not require any medication.
In the majority of cases Life Insurance will be available at non-standard terms (a premium increase) which will be determined by the strength of your symptoms and the medication that you use. In most cases insurance companies would want to contact your GP for a report before offering cover, this is common practise so should not cause you concern.
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 cover for people that have polymyalgia rheumatica will most likely be offered at special terms where it is available; very mild cases of the condition may have access to normal terms (standard premiums).
If the condition is stronger or affects the organs then it is possible that the application for critical illness cover could be declined on the standard market, at which point a specialist insurer will need to be approached. In most cases insurance companies would want to contact your GP for a report before offering 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 with polymyalgia rheumatica may be available if your symptoms are not severe and strong medication is not in use. The insurer will be particularly interested in whether the condition has caused you to have any time off work. If an income protection policy is available to you it will likely come with an exclusion to any claims related to arthritis.
Should you find that income protection is not available to you, it is worthwhile considering accident, sickness and unemployment cover. This type of policy will pay out a monthly income replacement for 12-24 months if you are unable to work due to disability, long-term injury and involuntary redundancy.
Accident, sickness and unemployment policies are not medically underwritten when you apply for the cover and you will be accepted for the policy at standard terms regardless of your medical history. However any claim that you place on the policy will exclude periods of incapacity due to polymyalgia rheumatica.
What is Polymyalgia Rheumatica?
Polymyalgia rheumatica is a condition that causes stiffness and inflammation within the shoulder, neck and hip areas. The symptoms of polymyalgia rheumatica are at their strongest first thing in a morning and ease as the day progresses and activity increases. The condition tends to affect more women than men and those over the age of 50.
Also known as: PMR
Linked with: Giant cell arteritis, temporal arteritis, depression, vasculitis
Some potential problems experienced by individuals who have polymyalgia rheumatica include:
- Shoulder pain
- High Temperature
- Loss of appetite
- Increased risk of osteoporosis due to medication
- Strict adherence to steroid medication
- Planned morning activities
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