Psoriatic Arthritis & Life Insurance
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People can be affected by Psoriatic Arthritis in many different ways. Some may find that day to day life is more of a struggle, while others may have found a way to manage this well and control their symptoms. We are happy to help and support you with your life insurance application no matter what the situation is.
When deciding what cover to offer, insurers will want to know as much as possible about your condition, including:
- The treatment and medication you are receiving?
- The extent of your symptoms?
- How long have you had arthritis?
- Information about any complications?
Life insurance for those with psoriatic arthritis can result in a policy being accepted at either standard or increased premiums, based upon the medications that you take and any other medical disclosures that you have. A psoriatic arthritis life insurance application will require you to detail if your condition is well controlled, the strength of the condition and the types of medication that you take.
If your psoriatic arthritis is well controlled, has mild symptoms and you are not taking strong medication for the condition, you may be able to secure standard rates on your policy. If you are taking anti TNFs such as imflixmab, or anti-disease modifying drugs such as methotrexate, then your policy premiums will likely be subject to a light premium loading.
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 those with psoriatic arthritis will require additional assessment by the insurance underwriters, to establish the full extent of the condition upon your health. Where strong medication is in use it is likely that your premium will be increased or an exclusion placed on your policy for any claim related to your illness. You may be able to choose between higher premiums with your condition covered, or a normal premium with it excluded depending upon which provider you choose. Please speak with one of our qualified advisers to help you discuss the best options for your circumstances.
It is possible that in certain circumstances if the condition is more developed then an application for critical illness cover could be 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 psoriatic arthritis will be underwritten very strictly and unfortunately some providers will not be able to offer cover at all. This is due to the high number of income protection claims for musculoskeletal problems. Certain providers can offer cover but this will depend on the medication you take, the strength of the condition and what you do for a living. If cover can be offered it is likely to come with a exclusion for psoriatic arthritis. It is certainly best speaking to an qualified adviser to help you place this cover.
If income protection is unavailable you may be eligible for accident, sickness and unemployment cover. This policy offers short term accident and sickness cover that will pay for between 12 and 24 months if you cannot work due to ill health. Please note however the plans come with exclusions and this will certainly apply to your existing condition(s).
What is Psoriatic Arthritis?
Psoriatic arthritis causes pain and stiffness in one or more joints of the diagnosed, primarily affecting the hands and feet. This inflammatory arthritis is a long-term condition and can also cause pain and discomfort in the ligaments and tendons. The condition is often linked with psoriasis which causes a red and scaly skin rash. The symptoms of psoriatic arthritis usually flare up and then abate for a time. The symptoms of psoriatic arthritis tend to follow one of the following patterns: asymmetrical oligoarticular arthritis, symmetrical polyarthritis, spondylitis (possibly with sacroiliitis), distal interphalangeal joint predominant, arthritis mutlians.
Also known as: PsA, arthritis psoriatica, arthropathic psoriasis, psoriatic arthropathy
Linked with: Arthritis, psoriasis, dactylitis, spondylitis, Juvenile idiopathic arthritis
Some potential problems experienced by individuals who have psoriatic arthritis include:
- Swollen fingers
- Inflammed joints
- Thickening or pitted nails
- Tenderness in the heel
- Difficulty fastening buttons
- Difficulty holding cups and cutlery
- Morning stiffness
- Conjunctivitis, iritis, uveitis
- Jaw pain and headaches
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