Polymyositis & Life Insurance
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We understand the difficulties and concerns that may come with having polymyositis, we do our best to ensure the life insurance application process does not add to your concerns.
Things we need to know:
- When were you diagnosed with polymyositis
- Do you take any medication for this?
Life insurance for people with polymyositis will typically be available at non-standard terms so you will need to approach the correct insurance provider to give you the lowest policy rating possible. The insurer that you approach will want to know how long you have been diagnosed with polymyositis, the medications that are in use and the strength of your symptoms; they will usually ask to see a report from your GP to confirm this.
Depending upon the strength of your symptoms and medications that are in use the insurer may choose to place a premium loading on the policy, postpone the application until a set date or in rare cases decline the 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 cover for people who have polymyositis may also be available with many insurers provided that your symptoms and medications in use fall within their acceptance criteria. The insurance provider will want to see a report from your GP to ascertain your overall state of health, the time since your diagnosis, the symptoms you have and the treatments that you have undertaken. Your critical illness cover application may be accepted at non-standard terms (premium loading), postponed until a set period of time has passed or declined.
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 polymyositis is available with a number of insurers. You are likely to receive more favourable terms if you are on little or no medication to control your condition. The insurance provider that you approach will be interested in whether the condition has caused you to have any time off work.
The insurer will probably want to see a report from your GP to clarify the severity of your symptoms and the medications that you take to control the condition. Any terms of income protection that you are offered will be at non-standard terms, if the cover is available to you.
If you find that income protection is not available to you or the terms offered do not meet your expectations, you should consider accident, sickness and unemployment cover. Accident, sickness and unemployment cover offers short-term income protection that will pay a benefit from between 12 and 24 months. This type of policy will pay out if you are unable to work due to disability, long-term injury or involuntary redundancy.
Your medical history has no bearing upon the acceptance terms of an accident, sickness and unemployment policy. However any claim that you place on the policy will exclude inability to work due to polymyositis and any other medical conditions that you have at the time that the policy starts.
What is Polymyositis?
Polymyositis is a condition where many of the larger muscles within the body become inflamed; often affecting the hips, shoulders and thighs. The condition is typically diagnosed in those that are middle-aged and tends to affect more women than men. Polymyositis is an autoimmune condition which means that the painful muscle inflammation and weakness is caused by the immune system attacking the body’s own tissues.
Also known as: Myositis
Linked with: Dermatomyositis, autoimmune disease, cancer, diabetes, thyroid disease, myasthenia gravis, post-infectious reactive myositis, inclusion body myositis (IBM), rheumatoid arthritis, lupus, scleroderma, juvenile dermatomyositis, osteoporosis
Some potential problems experienced by individuals who have polymyositis include:
- Flu like feelin
- Muscle weakness
- Difficulty breathing
- Difficulty swallowing (dysphagia)
- Mobility issues
- Weight loss
- Night sweats
- Bent joints (flexion contracture)
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Cura Financial Services has been rated 5 out of 5 based on 467 reviews.
Review by Alan on 2nd April 2021
“Cura helped me so much in the process of getting my life insurance sorted. I have complex mental health issues and I was getting nowhere on my own but they guided me through everything in a really respectful and understanding way and also helped me decide what cover to go for when the offer came in and didn’t push the higher priced cover. Can’t recommend enough” - 5
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