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'Terminal Illness' cover

User
Posted 21 Nov 2016 at 17:44
Apologies for such an upsetting subject.
We don't have any critical illness cover but do have a small life insurance policy plus some mortgage cover.
These both have an automatic 'terminal illness' clause. One pays out when the estimated prognosis is 12 months. The other one is 6 months.
I am quite confused as to when 'terminal' kicks in with metastatic prostate cancer. I swing from just wanting my husband to live forever and then thinking that I need to think practically.
The Drs don't seem keen to give specific timelines - probably because it's so difficult for them to do that accurately.
We know that my husband will never be cured but the timeline could be anything from a few months :-( to 5 years if we were being very optimistic (or deluded.)

Has anyone else dealt with this with a 'life' policy?
Thank you

Edited by member 21 Nov 2016 at 23:49  | Reason: Not specified

User
Posted 21 Nov 2016 at 23:30

Palliative care is any care that makes someone with a long-standing health condition more comfortable although the phrase is often associated with end of life care.

Terminal is used to define the stage where treatment of the condition is stopped and the patient will only receive 'treatment' that makes them comfortable/reduces pain & suffering. It is therefore usually definable as from the point that the doctors say 'there isn't anything else we can do' or 'what we are doing may extend life a little but not much' or 'our concern now is pain control' or whatever.

When someone is moving into the end of life phase it is really important to know when to have that conversation with the specialists, not just because of Terminal Illness cover but also because once the doctor feels someone has less than 6 months to live, there are social benefits paid by the Government. Some doctors will sign the forms once they believe the patient has less than 12 months - if the person outlives their prognosis then the benefit continues for as long as they survive. Being in the end stage is very expensive - partners or family members may have to take time off work or even give up work completely, home care and night sitters are often to be paid for, and although Social Care & Health may provide specialist beds, mattresses etc the mobility scooters / downstairs showers / wetrooms do not come cheap.

As for CI - again it varies from company to company - I tried to claim when John was diagnosed but his provider only pays out if you have G7 or higher AND are losing wages because you have been off work long enough to lose pay. As John's employer pays 6 months full pay, he was off for 12 weeks after RP and he never had any time off with the RT, he never met the threshold for payout. I was a bit frustrated at the time but then realised we should just be grateful that we didn't meet the threshold :-)

"Life can only be understood backwards; but it must be lived forwards." Soren Kierkegaard
User
Posted 21 Nov 2016 at 23:09
That is so sad about your neice Sandra. These are definitely the types of insurance no one ever wants to have to claim on :-(
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User
Posted 21 Nov 2016 at 18:32

My niece and daughter had critical illness cover and that paid out for both of them, even though my daughter, although seriously ill, was not classed as terminal.

Have you contacted both companies to find out their particular rulings.

You might find you need the hospital to sign a form.

Obviously doctors cannot say this will happen on X date, but they may be prepared to give an estimate which may well do for the insurance companies.

I;m sure somebody will know the answer.

Best Wishes


Sandra

******

We can't control the winds - but we can adjust our sails
User
Posted 21 Nov 2016 at 18:47
Thank you Sandra.
Yes I think these 'terminal illness' clauses that are part of life ins / mortgage policies are different to critical illness in that CI tends to have specific guidelines linked to a particular diagnosis (so for example with Prostate Cancer Critical Illness often triggered with a Gleason of 7 or above.) Whereas 'Terminal Illness' cover is specifically time linked

(If that makes any sense at all - I think I've confused myself even more now !)

I'm really sorry that your daughter and neice needed to claim.

Edited by member 21 Nov 2016 at 18:55  | Reason: Not specified

User
Posted 21 Nov 2016 at 20:24

My niece (terminal illness cover) died but the insurance company paid out before her death so they were able to have a family holiday and make a couple of major alternations to their house which benefited her two young daughters.

My daughter (critical illness cover) survived and again was able to put her payment to good use.

******

We can't control the winds - but we can adjust our sails
User
Posted 21 Nov 2016 at 23:09
That is so sad about your neice Sandra. These are definitely the types of insurance no one ever wants to have to claim on :-(
User
Posted 21 Nov 2016 at 23:30

Palliative care is any care that makes someone with a long-standing health condition more comfortable although the phrase is often associated with end of life care.

Terminal is used to define the stage where treatment of the condition is stopped and the patient will only receive 'treatment' that makes them comfortable/reduces pain & suffering. It is therefore usually definable as from the point that the doctors say 'there isn't anything else we can do' or 'what we are doing may extend life a little but not much' or 'our concern now is pain control' or whatever.

When someone is moving into the end of life phase it is really important to know when to have that conversation with the specialists, not just because of Terminal Illness cover but also because once the doctor feels someone has less than 6 months to live, there are social benefits paid by the Government. Some doctors will sign the forms once they believe the patient has less than 12 months - if the person outlives their prognosis then the benefit continues for as long as they survive. Being in the end stage is very expensive - partners or family members may have to take time off work or even give up work completely, home care and night sitters are often to be paid for, and although Social Care & Health may provide specialist beds, mattresses etc the mobility scooters / downstairs showers / wetrooms do not come cheap.

As for CI - again it varies from company to company - I tried to claim when John was diagnosed but his provider only pays out if you have G7 or higher AND are losing wages because you have been off work long enough to lose pay. As John's employer pays 6 months full pay, he was off for 12 weeks after RP and he never had any time off with the RT, he never met the threshold for payout. I was a bit frustrated at the time but then realised we should just be grateful that we didn't meet the threshold :-)

"Life can only be understood backwards; but it must be lived forwards." Soren Kierkegaard
User
Posted 21 Nov 2016 at 23:46

Thank you Lyn - that's very useful.

 
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