What is Critical Illness Insurance?
Critical illness insurance gives financial protection in the event that you are no longer able to work or carry out your normal day-to-day activities due to a long-term illness or disabilities.
Critical illness policies provide cover for specific conditions, and nearly all policies also provide cover for “Total and Permanent Disability” (TPD). The TPD section of the policy is often the section that chronic pain sufferers will use to make a claim. There are three different definitions of TPD as follows:
- Own Occupation – if you are permanently unable to do your Own Occupation
- Any Occupations – if you are permanently unable to do Any Occupation
- Work Tasks/Living Tasks – if you are unable to do a certain number of specific tasks that are listed in the policy
It is very important to check on your policy Schedule which definition of TPD applies to you
It is not uncommon for insurance companies to be reluctant to pay out on policies of this nature, even though the criteria needed to fulfil the payout are straightforward. However, when the illness in question is a chronic pain condition such as fibromyalgia, ME or CFS, they tend to be even more cautious about paying out and will often insist that their customers try all avenues of treatment before agreeing that they have fulfilled the criteria for an insurance payout.
Similarly, where one has an ill-health pension, it can prove difficult to receive the pension when the illness in question is a chronic pain condition. However, Brian Barr Solicitors are experts in critical illness and ill health retirement claims and can help you by obtaining the evidence you need to prove to the insurance company that you meet their criteria for a payout.
What is Considered a Critical Illness?
Every critical illness policy will have its own definition as to what qualifies as a critical illness, and which illnesses are covered by critical illness insurance, so it is important to carefully check your insurance documents before claiming. However, the most common critical illnesses and disabilities include:
- Heart Attack
- Brain Injury
However, when a claim is made as a result of a chronic pain condition such as fibromyalgia or CRPS, it can be difficult to prove that these conditions will prevent you from working, so it can be more difficult to receive a payout from your insurance company or pension provider. But that is where we come in.
44 year old nursery nurse LB from Basingstoke developed the chronic widespread pain condition fibromyalgia and it stopped her working. LB was not fit enough to return to work and she was dismissed on ill health grounds two years after the accident.
I recently received a letter from an Oncology Engineer who was off as a result of a number of illnesses. My answer to him elaborates on the sort of support you can expect from your employer when suffering from critical illness:
Mrs GL of Norwich was injured in lifting incidents at work in June and September 2004. She suffered a back injury which became chronic and she developed fibromyalgia. Mrs GL claimed under her Accident Protection policy. She was unable to work after the second accident and claimed under the Permanent Total Disablement Section of the policy. She had to establish that she had sustained accidental bodily injury which within twelve months resulted solely and independently of any cause in death, permanent disability or hospitalisation.
44 year old LB from Basingstoke, Hampshire had been a nursery nurse for 22 years until she developed Fibromyalgia. This stopped her working in January 2005. She suffered a constellation of nasty symptoms which made it impossible for her to pursue her demanding employment.
Highly recommend this firm for their expertise in fibromyalgia. I am eternally grateful for all the hard work and care taken in supporting me during one of the most challenging periods of my life. Thank you.
I would absolutely recommend Brian Barr Solicitors. They looked after me after the previous solicitor’s would not listen as my health was taking a rapid turn downward because of fibromyalgia issues. Brian Barr’s diligence meant I had a suitable conclusion for the nature of my car accident.
Steven, I want to say how very much grateful I am to you, and Mr Brian Barr, and all staff at Brian Barr solicitors, and everyone who has helped me find justice, without you all I don’t know where I would be, you are all truly amazing people because you care about others, keep doing what you are doing because it means the world to have a team of people who care, thank you all so very much, and for keeping me going throughout all of this. Thank you Steven so very, much.
Alex Cohen and his team were nothing but amazing. They fully explained everything I needed to know throughout my entire case (which was just over 5 years!) with a great deal of compassion and care. I would have no hesitation in recommending Brian Barr solicitors if a member of my family or friend ever needed it.
How We Can Help With Critical Illness Insurance Claims
At Brian Barr, we will go out of our way to help you get the money you are owed from your critical illness insurance policy. We can help you recover the value of your policy and will take a percentage to cover our fees.
We have a panel of independent medical experts in all disciplines who will be able to assist us in getting you the right result and get you the money you’re owed.