That is good news.
Just to update you on this. Paynent was in full, as a one off payment, plus interest, plus all the money I had paid monthly from the moment I got diagnosed up to now.
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I am so glad you got an amazing result. I am 13 weeks in to a critical illness claim and am now just wanting a Yes or No so I get on with things.
I received an email from the insurers asking me to give my thoughts on why I answered certain questions as I did on my application 10 years ago. My GP notes and report are a total mess. It is full of condritictions such as I quit smoking in 2018 but there is no other mention of any smoking habits previously or after. I have never smoked.
The main thing which has thrown me is them to ask me why I answered no to 1. “In the last five years have you seen a doctor for double vision, numbness, tingling or pins and needles?”:
I answered “No” to this question. I experienced spasms, not numbness, tingling, or pins and needles, and these spasms were attributed to computer use and subsequently resolved. I acted reasonably and honestly based on my understanding of my symptoms and the information I received from my doctor. The question did not ask about spasms, and I genuinely did not believe my experience fit the description of the listed symptoms.
Hoping that is enough, as I just can’t figure out how all the piss poor Doctor notes can be followed by anyone. One day it’s patient says they are experiencing spasms then the next it’s sent for investigation for tingling and numbness. Reading it all has really annoyed me.
You answered their questions in good faith and to the best of your knowledge, and a person can do no more. I really hope that they accept your claim.
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April, I was never asked to justify the answers that I gave when I first bought the insurance. In my case however, my notes were very clear (I can see them on the NHS app). Maybe you could ask your doctor to provide more info to support your application by adding more clarity? Spams are an entirely different condition, and you were made to believe that they were down to computer use. You responded the questions based on what the doctor told you. Of course you know you can appeal. In any case, it takes them time to decide. I made the claim in early January and received the decision and payment in late Spring. Honestly, I never thought anything would have come out of it at first. I am happy I claimed, and it all started when I read one of the forum posts on here, and I thought, let me claim and whatever. Plus, I know it’s funny, a fortune cookie motivated me (that’s why I love Chinese takeaways).
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It was accepted today! The weight lifted is an amazing feeling, especially after last year. My baby is due next week and to know that they, my husband and daughter have a little nest egg if push comes to shove has taken away alot. As you know when you are diagnosed with something so unpredictable, a little bit of peace of mind is welcome.
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That’s great news! I know you are feeling better now, knowing that you have resources in place. Well done on persevering!
That is wonderful news - I am delighted to read it.