RRH

Wife was diagnosed with breast cancer a few weeks ago, grade two. They've removed a tumour from her breast and one of the lymph glands was affected so was removed too. Six months chemo now and radio after that.

I've started a claim with NatWest on our CIC but I'm reasonably sure they'll wriggle.

Has anyone any experience of this?

Thanks
Simon.

PaulC72

No but all the best to you and your missus for the forthcoming treatment.

RRH

ta

slipstream_uk

iTrader: (1)

Hope you have better luck than my father as he has Critical Illness cover.
The docs discovered he has prostate cancer 6 months ago and goes in for an op next week as it seems to spreading. Anyway the insurance company is making excuses in not paying out and have been stalling my father for weeks now.

slipstream_uk

iTrader: (1)

stupid f'ing double posts.

my94wrx

iTrader: (4)

+1

jaytc2003

iTrader: (1)

to be honest I wouldnt give a crap about the insurance, my wifes welfare would be first and foremost before thinking about claiming on a possible impending death. Sorry to sound harsh.

All the best to your wife and her treatment

jods

I hear what you are saying but what the ferk is the point of paying for CIC if you don't claim on it?

For all we know, the lady concerned could be the primary breadwinner.
Even if she's not - I know I'd take as much time off work as possible to be with my wife in similar circumstances and as a contractor - No work = No Pay.

OP - Fingers crossed for you and your Mrs!!

jaytc2003

iTrader: (1)

I know what your saying, but unless the hospital / docs have said its terminal then why bother trying to claim???????

As for being a contractor, I would expect you to have insurance if you dont work?????? (I would)

As I said previous I wish all the best for the wife and your family but I think its a bit cold posting on here if she hasnt been diagnosed as terminal, I personally wouldnt give a crap about bills etc if families health was at stake

jods

I might be wrong here but I don't believe CIC is limited to Terminal illnesses. Mine covers me if I have a heart attack amongst other things and pays off mortgage + 100K (If memory serves me right) And I know several people who have survived heart attacks - albeit living life in the middle rather than fast lane!

Lisawrx

iTrader: (1)

Jeez. Whether she is the main breadwinner or not, if she brings in money to the home (money they may not be able to do without) and is potentially going to be off work for a fair length of time then why shouldn't this avenue be persued?

Just because they are being practical doesn't mean her welfare isn't the most important thing and you're damned right it sounds/is harsh. Bills etc. still have to be paid. It is bad enough something like this has hit, but financial worries on top would not help.

I wish her the best of luck with her treatment, and hope the insurance people don't try and wriggle out of paying.

jaytc2003

iTrader: (1)

then you are lucky, I have cic insurance as well (seems to be a pre requsite for a mortgage) but mine only covers potential terminal illnesses. If it covered heart attacks etc, I would tell my wife I was going to inject a bit of air into my artery to suffer a heart attack and hope she could cope with the resuc!!

I just think it is bad to post here when the partner is seriously ill, it seems to be that the thoughts are not with the partner but with themselves. Sorry for thinking this way but it seems "cold"


Sorry Simon/RRH if this seems heartless but I think priorites should be lying elsewhere at present, and as said I hope your mrs makes a full recovery

jods

I'm going to resist the temptation to mention that the air bubble would join the rest of the air - In your head!

jaytc2003

iTrader: (1)

Lisa, I didnt mention about being a breadwinner. Maybe I sound a bit insenstive I dont know, but I personally would not give a crap about money over the welfare of my wife/family. I would go bankrupt a credit rating can be restored, a life cannot, it may take 15 years but I personally would not give a crap.
The welfare is the only thing I would be thinking about, everythin else is an afterthough

jaytc2003

iTrader: (1)

if you inject air into a main artery, you induce the risk of a heart attack - fact

Lisawrx

iTrader: (1)

Jay, it's paid out for diagnosis of a variety of serious illnesses so far as I'm aware. Ok, her condition has the possibility to be terminal, but I'd imagine that is not how they/or he is looking at it. I'd think they are being sensible in that they may need help financially to cope with the burden that they may be facing.

My Mam had breast cancer and thank god 3 years on she is still here, I can only hope she will be for many years to come. My Nanna is still here over 20 years on after battling breast cancer. Just because something can be terminal doesn't mean it will be, and people have to consider how they will manage in all ways during such times, including finacially.

my94wrx

iTrader: (4)

there is nothing worse than money worries when you are ill/trying to recover and going bankrupt could be the last step, of failing to recover, where as knowing your financially safe takes that massive weight off of you shoulders, as for the OP looking into the CIC options it normally takes a certain period in some cases for it become active anyway,

to the OP have you made a copy of the forms you have filled in a sent back?

as i said earlier my thoughts are with the OP's wife and family.

jaytc2003

iTrader: (1)

Lisa, I wll put it in basic english. I would not post something on here before I had spoke with the insurance co, it seems to me to be cold. IF there was a problem with the ins co then yes maybe do a post, but not before a response has been given. FWIW my mum died of cancer of the bones approx 9 years ago. We didnt give a crap about the insurance cover at that stage, we wanted my mum (dads wife) to be cured, everything else was secondary

Lisawrx

iTrader: (1)

The point is your priority can be the welfare of a loved one, but it doesn't mean you can't look at the bigger picture as well.

When my Mam was diagnosed, she worried something rotten about how we'd cope if the worst happened. I didn't care in the slightest all I focused on was her getting through it. That said, she works for a really decent company and I know they would have made sure she wasn't rushed back or not paid, unfortunately some people aren't so lucky.

You can say you'd go bankrupt, but to my mind if you are being positive and just wanting security through the rough times ahead, why risk that? I'm sorry, but you can care and be practical at the same time, it's not a matter of one or the other.

jaytc2003

iTrader: (1)

You dont need to mention money worries to me there is nothing worse no matter your circumstance. I have recently been made redundant, struggling to find a job, even jobs that I can do easily I am getting knockbacks saying I am over qualified, so I cant even find just a job!. Me and the wife met/got a house together at the height of the property boom, we had a baby just before I got told I was going to be made redundant and we both bought new cars outright beforehand (me evo 8 her fiat sport) She is now part time since the birth of our kid, her work will not let her go back fulltime (understandable she is doing more than 5 days work in 3 days - as her team leaders confirmed). We are now in the process of selling her car and probably mine as well ( I Have priority as I bought her car for her ) so we can continue to pay the bills, if it comes to it I will sell mine as well (already up for sale waiting for offers as it is a specialist car). I know its off topic slightly but I guess what I am saying is why post on here unless there was a problem with the insurance.

jaytc2003

iTrader: (1)

Lisa maybe money means something to you over family welfare. To me it was the last thing on mine, my dads, and my sisters mind. I wanted my mum to survive, I wish she was here now to see her only grandchild (my sister cannot have children), money means nothing to me over welfare, that may just be me (I am sure its not though) Luckily my dad who died last year got to see his grandson and loved him before passing...

Lisawrx

iTrader: (1)

How dare you! Did you not read my full post, or did you just pick out something to try and have a go?

I've already said, the furthest thing from my mind was financial worries when my Mam was diagnosed, and it still is now she is having another scare (going for results tomorrow). All that was ever on my mind as said in my last post was her getting better.

That however, doesn't mean I can't understand someone else worrying and I guess it depends on the circumstances (mortgage to pay, children to support etc.)

jods

Back on Track - Let's just offer up support to the OP please

jaytc2003

iTrader: (1)

How dare I what?????

I was merely saying money issues were not on my mind at the time (my mum and dad were paying a mortgage at that time, my dad did not have a clue what policies my mum had)

I dont mean to offend anyone as its a $h!tty situation to be in, but I think the thread is inappropriate at this time. IF you apply to the ins co re the cic cover and they knock back then ask for advice, but before it has been put to them???????

jaytc2003

iTrader: (1)

hope everything works out ok RRH

Lisawrx

iTrader: (1)

How dare you you say money means more to me than family welfare, epsecially given my full comment. Money issues weren't on my mind either as I clearly said, but people cope and deal with things differently and have different lives so we can't judge somone because they are asking for opinions. We don't know the finer details.

Anyhow, Jods has it totally right. Money issues aside, we need to get behind RRH and his wife and wish them the best.

jaytc2003

iTrader: (1)

Lisa, I am not having a go and I didnt say what you said above, please be aware of what you have said....

Security is the last thing on my mind, welfare is the first think you are not undestanding what I am saying

I agree, never said otherwise

P1-Brad

First and foremost - best wishes to RRH and your wife, hope she has a full and speedy recovery.

Secondly - Jay, IMHO you are not coming across at all well on this thread. The poster has asked for advice (in respect of monetary matters) and people are offering up there experience and insight - all you are doing is trying to stick the boot in, going as far as insinuating that Lisa put money ahead of her family's welfare, which she has clearly and categorically stated is not the case.

Given your past / circumstances I thought you would realise that monetary worries can add unnecassary stress to an already stressful situation. If this worry can be taken away then why wouldn't someone do that. As has already been stated, dealing with monetary issues and caring for your family are not mutually exclusive, it makes sense in my mind to try to do the best in both regards.

EddScott

RRH - good luck with your wife and the claim.

Slipstream - how is the insurer trying to wriggle out of paying? If prostate cancer is one of the covered illnesses I don't see what can be wriggled out of.

These stories annoy me because a) its unfair the way the insurers sound like they are treating people and b) because we've had a few CIC claims over the years and not one has ever been rejected. Unless there was a legitimate reason to decline the claim I would tear the **** out of the insurer until they paid - AND send them a bill for my time.

Ask for a complete list of insured illnesses NOT current illnesses, the illnesses the time the policy was taken out. Hopefully its there. Write back and say pay - NOW!

EddScott

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