Sjögren’s Syndrome & Life Insurance
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Well controlled Sjögren’s syndrome, that has not been caused by another condition, will typically result in Life Insurance being offered at normal terms. Insurers will want to know how long you have been diagnosed with Sjögren’s, the treatments that you use and if there is an underlying cause of the condition.
Where Sjögren’s syndrome is secondary to another condition such as lupus or rheumatoid arthritis, insurers will want to confirm the severity of your symptoms and strength of medications that you take. It is possible that medication that is taken to treat the lupus or rheumatoid arthritis, could lead to the insurer offering Life Insurance at non-standard terms in the form of a premium increase. Please see our specific page for rheumatoid arthritis for more details, here.
At the moment, people with Sjögren’s will generally find that Critical Illness Cover is available, when you have been diagnosed over one year. In some circumstances this will be available at normal terms or with a small premium increase. Where there have been serious problems with the eyes, the policy may come with a blindness exclusion. If the Sjögren’s syndrome is a result of a secondary condition such as rheumatoid arthritis or lupus, your application for Critical Illness Cover will also assess
When you have primary Sjögren’s, syndrome Income Protection may be available after you have been diagnosed for one year. It is likely that the offer of Income Protection will be at non-standard terms, in the form of a small premium loading. The insurer will want to know if the Sjögren’s syndrome has caused you to have any time off work, and how it affects you on a daily basis.
Sjögren’s syndrome that is linked to a diagnosis of rheumatoid arthritis or lupus, will result in your application for income protection being declined. When this happens it is worthwhile looking at short term policies like Accident, Sickness and Unemployment Cover. These policies offer short-term income replacement between 12 and 24 months if you are unable to work due to disability, long-term injury and/or redundancy. Accident, Sickness and Unemployment policies can be arranged without the Sjögren’s syndrome having any impact to your eligibility. Whilst this is the case, it is important to be aware that claims placed on the policy will not be paid for existing medical conditions, so at the point of a claim Sjögren’s syndrome will be excluded from the claims set.
What is Sjögren’s Syndrome?
Sjögren’s syndrome is an autoimmune condition that is typically characterised by a dry mouth and eyes. When you have Sjögren’s syndrome your body is unable to produce fluid effectively. Sjögren’s syndrome can be diagnosed by itself (primary), or can be linked to other conditions such as rheumatoid arthritis and systemic lupus erythematosus (SLE). Sjögren’s syndrome can affect men or women, but is most commonly diagnosed in middle-aged women.
Also known as: Primary Sjögren’s Syndrome, secondary Sjögren’s Syndrome
Linked with: Rheumatoid arthritis, autoimmune disorders, systemic lupus erythematosus (SLE), non-Hodgkin lymphoma, Reynaurd’s phenomenon, underactive thyroid (hypothyroidism), IBS, peripheral neuropathy
Some potential problems experienced by individuals who have Sjögren’s Syndrome include:
- Dry eyes
- Joint pain
- Difficulty concentrating
- Avoidance of dry and windy environments
- Enhanced eye hygiene care
- Fertility considerations
- Lung infections and scarring
- Mouth infections
- Restrictions of time spent looking at TV, laptops, etc
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