Refusal of Payout of Sickness Insurance for cancer sufferer

dunstonh

As I understand it, if this lady had had CI in place

That isnt how I understand it. It looks like CI was not in place.

but if the cancer is not terminal, and they expect her to recover & go back to work, surely this would be covered in the sickness section? I would advise that this is definately worth checking.

That depends on the time off work and if the time off is due to illness. The OP said she was made redundant so sickness will not apply.

starrystarry

Assuming it was IP, because the OP's wife wasn't working at the time of the claim the definition of disability for that policy would be the inability to do 'activities of daily living', as mentioned in post #4. As she was unable to meet this criteria, the claim was declined. The actual illness is not what is assessed, its the impact that illness has on the person's ability to work. The fact that she was able to carry out some of the activities of daily living suggests that she might be capable of doing some kind of work. I'm not saying she is by the way, just trying to explain how the policies work.

The policy might have been on an own occupation basis originally (i.e. the definition of disability is the inability to do their own occupation) but as soon as she stopped working the definition of disability would change.