Hi all, I really need some advice and emotional support at the moment.
My diagnosis was confirmed on 19th January of this year. It was only when my ms nurse visited me at home for the first time that I was made aware that ms is covered under most critical llness policies which we have. She visited me on the 16th of April and I said to my husband to go and fetch our documents from the breifcase in the loft as the policies were taken out 12 years ago. He didn’t do this untill the Friday night - and i never read them until 10pm at night. Then I realised that I had to confirm in writing within 3 months of dx and L and G are shut weekends!!! So, we drove to Hove in Brighton from Portsmouth that night with a hand written letter to the security guard - phew!
I phoned last week and they said that they had received details from my gp and neuro as requested. I re-phoned today and was told they have written to my gp again with regards to an episode 11 years ago (we have had our policies 10 years). I was going to Greece on holiday with the family but became ill before I flew, sickness, dizzyness and pins and needles in my legs. visited the Gp (who is no longer there) and he said I was okay to fly and it was probably a virus. When out in Greece I was “laid up” for a couple of days and greek doctor visited me who gave me a jab in my bum - I assume it was pethadene and I was fine and enjoyed the rest of the holiday. I visited the gp on return just to say what the greek doctor did.
No repeat symptoms etc and the pins and needles are nothing like in feeling or relation to what I have with my Ms - totally different. Anyway I first saw my neuro in July last year and he asked if I had any sensory symptoms and I said no. Obviously from July to seeing him again in January this came back in my mind so I mentioned it and asked could it be related (not knowing about the critical claim at the time) and he said “who knows”. This was obviously logged in his notes that he sent back to L and G. He has since retired. So, on conversation today with them, they said that my neuro has said 11 years ago i couldn’t move for 2 days and had pins and needles so they have requested more info from the gp. I phoned the gp who said "They have requested info about this episode but there is nothing on your records! It shows that you saw the gp at the time for a consultation and it mentions your glue ear hence the vomiting and dizziness but the record is blank! no entry. Then it says you hada consultation with the nurse but again nothing is recorded!!! All I can reply back to L and G is that you had glue ear hence the dizziness, vomiting, you were okay to fly to greece and the pins and needles were probably glue ear/infection related. At no point is there any mention that you could not move!!
So, my neuro (now retired) has obviously misheard me saying I was laid up not “unable to move” as he has recorded it, and my mum is a witness as she was with me when I saw him.
I have no medical records for the time of this episode other than glue ear and pins and needles in legs which i was told at the time was either viral or trapped nerve and the same said to me from the greek doctor - again this is not on my records either
Help! will they pay out? my gp can’t make up records that don’t exist and he has said i have never had any related condition and i agree and he has re said this on the reply.
What about my retired neuro? his notes are incorrect saying i couldn’t move when i had said i was “laid up”