Cannabis use and Criticall Illness Claim/DLA Claim

pedro123456

bpc72
You are about to embarks on an endurance course, bit like a marathon. But you are running in lead boots and the IC decision maker is running in top of the range foot gear, oh and you also have a sack of spuds to carry over the course.

Will the use of Cannabis, stop the IC from paying out, well we don’t know yet, my inclination would be to suggest they will try to use it as a loophole to avoid settlement.

Another obstacle will be the definition of Dilated Cardiomyopathy, just because you Cardiologist has Diagnosed it you will find that it may not meet the “IC definition” of Dilated Cardiomyopathy.
You should be able to obtain their definition, and discuss it with the GP/Cardiologist prior the next obstacle (they are going to ask for further medical notes from your GP/Cardiologist ).

Your GP/Cardiologist is then going to send them your full medical history, although there are joint guidelines between the IC and BMA (Medical bods) that states the IC shouldn’t ask for FMH, and the GP/Consultant shouldn’t supply FMH. They should only supply “relevant medical history”.

http://www.bma.org.uk/images/medicalinfoandinsurancemarch2010_tcm41-195140.pdf

Look at section 4.

Please keep us up to date, I will be interested and I’m sure the Insurance bods will be interested in your CI claim

What do you think OshayAway :EasterBun

kingstreet

Scroll down to page nine for details of L&G's definition of cardiomyopathy;-

http://www.legalandgeneral.com/_resources/pdfs/life-cover/guide-to-cic.pdf

This is of course the current definition and you should consider the definition which applied at the inception of the policy.

There is specific mention of drug or alcohol abuse, so I agree with pedro that this could be a long one...

bpc72

Hi,

I have just had my Critical Illness claim with L&G rejected as they have stated that i do not meet their definition of Cardiomyopathy. In the policy this critical illness is defined as the following:

'Cardiomyopathy of Specified Severity.
A definate diagnosis of Cardiomyopathy by a Consultant Cardiologist. There must be clinical impairment of heart function resulting in the permanent loss of ability to perform physical activities to at least Class 3 of the New York Heart Association classifications of functional capacity.'

My Consultant has confirmed that i have Cardiomyopathy and that when i was first diagnosed and admitted to hospital i was Class 4 of the NYHA, the most severe. Now after 6 months i have improved and i am up to Class 1 and for this reason L&G say they will not be paying out. Can they do this or can anyone please advise,

bpc72.

starrystarry

Hi bpc72. Yes they can do this. Their definition is quite clear, you would need to be permanently at Class 3 of the NYHA classification to be able to claim.

starrystarry

Glad to hear your health has improved by the way.