Polymyalgia Rheumatica & Life Insurance
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Having polymyalgia rheumatica can make some day to day activities tricky. The good news is that 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?
- What symptoms do you have?
- Do you take any medication for this?
- Does it affect your ability to work?
Life insurance for people living 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). The terms are decided by the insurer once they know the strength of your symptoms, the medication that you use and how much it impacts your day to day living.
In most cases insurance companies will ask you permission to contact your GP, to see a report that confirms your diagnosis. This is something that happens with quite a few medical conditions, and should cause you no 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 if it is available.
For people living with very mild symptoms it is possible that normal terms (standard premiums) might be available.
If your symptoms are quite stronger, you take strong medication or your organs are affected, it is possible that critical illness cover could be declined on the standard market.
If this happens there are specialist insurers that we can place your application to.
There can also be really good options for critical illness cover through a business. These are arranged by an employer for their employees to benefit from. If you have your own company, it could be worth looking at this option.
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 polymyalgia rheumatica may be available, if you have mild symptoms and do not take strong medication.
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 probably 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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Hi, I’m sorry to hear that you have experienced this. Getting told that you are declined cover, is not a nice feeling at all.
Insurers understand that declines happen. Each insurer has different acceptance criteria, we have had people come to us that have been declined life insurance, and we have gotten them standard rates elsewhere.
Some insurers do ask if you have been declined life insurance before, but that does not automatically mean that they will to.
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