My understanding of payout for a terminal illness clause in a life policy is that it is triggered only when we become effectively on palliative care only.
Whilst we are on life extending drugs that appear to be working we are not terminal. It is possible that there may be a cure or further life extending breakthrough discovered whilst we are treading water on abi or enza . It may therefore mean that within the length of time the the insurance policy runs for we may outliv ethe expiry date (unless it is a whole of life policy).
again my understanding is the the terminal illness clause is there for when they insurance co pony knows that death is imminent and they would have to pay out at that time anyway so all they are doing is bringing the payment forward by 6 or 12 months (policies differ).
as another said we have to look at the non payout at this time as a positive. At the time life extending drugs have all failed then we can make the claim supported by our consultant who would confirm that we are now terminal.
it does I believe work in our favour for other insurances as for travel insurance my understanding is that advance prostate cancer is only an insurance limiter at the time th life extending drugs have all failed.
as another said, critical illness is another type of policy and pays out on diagnosis of most forms of cancer amongst other critical things, I know that for pca you have to be Gleason 7 or more and for example they don’t usually pay out for easily treatable skin cancers.
Sorry it’s not what you want to read.
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Thanks for all your replies, it just feels a bit unfair when you pay an insurance for 20yrs then when you need some help they seem to look for any way out. I guess I should look on the bright side of life. It's just that if they were to pay it would help greatly by removing some money worries.
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Hi there
Ours was paid out because my husband’s liver results went through the roof and the consultant was able to agree that he had less than 12 months to live, he also had a DS1500. He is still alive and that was in 2011! I complained and resubmitted after talking to the consultant first.given your treatments it is very possible that your consultant could agree with a less than 12 months prognosis since you surely are on palliative care.
Ours paid the mortgage and relieved just the situation you are in, and i cried like a baby when I got the letter.
good luck and please speak directly to your consultant and explain the situation, they may help, who knows?
kindest regards
Devonmaid
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Hi JohnD
I was talking to a chap at my local Prostate Cancer support group who had a DS1500 and suggested as my staging was more severe than his that I should ask for one.
I broached this with my Oncologist who gave me short shrift and was told he would only provide one if he considered his patient had less than 6 months to live.
Odd the ways Consultants operate so differently.
User
The DS1500 isn't a claim form in its own right, or even a passport to other claim forms. It is simply the form that medical practitioners should complete to confirm to the DWP that a patient has a life limiting progressive illness and that the medical practitioner 'wouldn't be surprised' if they died within 6 months. Some doctors and Macmillan nurses will complete it if they believe the patient is unlikely to survive for 12 months but asking someone to falsify an official statement where there is no reason to think they are at death's door is a big ask!
There are other forms you can complete to apply for benefits such as PIP and or attendance / carers allowance where you don't need to be terminal and don't need a DS1500 but you would need to check the DWP website to see whether you are actually entitled. Almost all life insurers only pay out at death or within the terminal stage; it seems you have confused life insurance with critical illness cover. Have you checked with your bank and any credit card companies etc in case you have critical illness cover policies attached to your banking?
"Life can only be understood backwards; but it must be lived forwards." Soren Kierkegaard
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Just been told my PSA is rising and enzo no longer working. Been offered a trial on gene therapy which I think I'll go for as it may help. Lots of aches and pains even with morphine pills!
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Hy JohnD ,I have been told my p s a is rising and enzo is not working so good. I have been on enz for 11months and oncologist has said cancer is dodging around it.I'm also on morphine and gabapentin but still get lots of aches and pain,oncologist has now put me forward for radiam 223.Hope your trial goes well if you decide to take it .Good luck Geoff.
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Hello Geoff,
It seems everyone has troubles fighting this .Was doing well on enz for 3yrs ,I guess this is just the next round in the fight for us.
Good luck with 223.
John