M.E/CFS and Serious Illness/Disability Cover

hcb42

Very debilitating, I would also be offended if described as a mental illness

InsideInsurance

starrystarry wrote: »

Have to disagree with you on that, an underwriter couldn't function if they weren't up to date with developments. We're expected to keep our knowledge up to date. Underwriters are not a bunch of crusty old men sat in a office rifling through moth-eaten old books/manuals etc. (Well there might be one or two of those left somewhere )

Right now I am sitting in a room full of underwriters so know what they look like. I'm sure I'll see even more of them outside the pubs around Lloyds at lunch though

I would strongly argue it depends on the condition. I have been having my own problems getting PHI/life at the moment and had a couple of truly stupid conversations with u/ws or their help desks over the last few months.

2 companies declined citing reasons that went out of date in the early 80s, after a lengthy letter from a consultant (he's an opinionated chap and fairly articulate, not sure the subtext of calling them idiots particularly helped) one reversed their decision and simply gave a 50% loading and the second reversed their decision and gave no loading.

InsideInsurance

rs65 wrote: »

Have a look at pages 95 and 113 under the heading of Specific Exclusions. It's 128 pages long so I haven't read the context of these exclusions.

You dont need to read 128 pages to find out if it is excluded.

There is a list of the 165 conditions explicitly covered. Anything not on that list is not covered. ME/CFS is not listed

weighty1_2

InsideInsurance wrote: »

You dont need to read 128 pages to find out if it is excluded.

There is a list of the 165 conditions explicitly covered. Anything not on that list is not covered. ME/CFS is not listed

Spot on!

And surely if, as the OP mentions, an ME/CFS exclusion was explicitly outlined this would be in relation to the total and permanent disability aspect of the cover, so not a specific condition as such anyway. The likelihood of making a claim on TPD for ME/CFS would be small to say the least as there is always a chance of the condition suddenly abating therefore not being permanent.

TPD claims can be contentious at the best of time. Making one for ME/CFS on the back of a diagnosis only 1-month ago was always going to be a non-starter, with or without the exclusion.