Retinitis Pigmentosa & Life Insurance
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Being diagnosed with Retinitis Pigmentosa can be an uncertain time and we understand that this may cause you to worry. Life insurance may be one of your concerns but we are able to support you through the whole process.
Things we need to know to get started:
- When were you diagnosed with Retinitis Pigmentos?
Life insurance for people with retinitis pigmentosa will likely be available at normal terms with most insurance providers. The insurer that you speak to may ask questions about when you were diagnosed with the condition, what tests you have undertaken and how strong your symptoms are. Unless it’s well developed or you are awaiting surgery, cover should be available without too much 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 retinitis pigmentosa will most likely come with an exclusion to the policy. Many critical illness policies offer claims in regards to blindness or partial loss of sight. The insurer that you approach will probably exclude these conditions from your policy claims set due to retinitis pigmentosa being present. This should not deter you though as most plans cover a minimum of 40 conditions that you would still be covered for.
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
Income protection for those with retinitis pigmentosa will also most likely come with an exclusion in regards to any claim related to your vision. Provided that your employer is supportive of your circumstance and adapts your working environment to suit your needs then you should be able to continue to work as/if your condition progresses. This makes income protection still a worthwhile consideration for you in the event that you are unable to work due to an unrelated illness.
What is Retinitis Pigmentosa?
Retinitis Pigmentosa is the term for a group of inherited conditions that causes loss of sight. There are many forms or retinitis pigmentosa which are caused by problems within the autosomal dominant, autosomal recessive and/or X-linked genes. The type of genetic inheritance that you have will determine the severity of your vision loss and whether there will be any associated hearing loss.
Also Known as: RP, RP Syndromes
Linked with: Leber’s Congenital Amaurosis, Choroideremia, Usher’s Syndrome, Bardt Beidl Syndrome, Stargardt’s Disease, Refsum, Alstrom (funny o), Laurence-Moon-Bardet-Biedl (LMBB) syndromes, cataracts
Some potential problems experienced by individuals who have retinitis pigmentosa include:
- Rod-cone dystrophy
- Cone-rod dystrophy
- Retinal dystrohy
- Tunnel vision
- Night blindness
- Hearing loss
- House adaptations e.g. brighter lights, easier colours
- Loss of driving license
- Loss of independence
- Mobility aids
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