MS - SPine Disease Insurance Exclusion

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MS - SPine Disease Insurance Exclusion

Postby al2010 » Sat Mar 19, 2011 1:53 am

Hello folks
Looking for some advice. Im currently being tested for ms and unfortunatly its looking pretty likely. Im going over my critical illness cover and have an exclusion for spine diseases due to a whiplash injury a while ago. My understanding is ms is a nerve disease though getting worried this might come under my exclusion. Do any of you have any idea where i stand or have similar experiences? Dont want to discuss with the insurance company till I know whats wrong.

Freaking out about illness and this is not helping.


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Insurance questions

Postby ppicklee » Sat Mar 19, 2011 11:15 am

Hi there. I just wanted to welcome you al2010. Freaking out is understandable but you are right it may not be helping things. I am so sorry that I can not give you any info as I have no experience relating to the insurance thing. Maybe somebody else here will be able to help you. Again... welcome here.
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Postby hwebb » Sun Mar 20, 2011 12:15 am

most insurers classify MS as a neurological disease. They tend to have a specific category for MS (the policy will specifically mention MS, as MS is not that uncommon amongst working-age people). Your neurologist will probably indicate you have a neurological disease on your medical reports. If you have MS, your MRI will indicate you have lesions on your brain, or spine, or both. The lesions on your brain and spine are due to demyelination - and not due to whiplash or external spinal injury. I dont believe you'll have a problem with your existing insurancecover not recognising MS - as you're only getting your diagnosis now (it was not a pre-existing condition which had been previously diagnosed).
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Postby Loobie » Sun Mar 20, 2011 5:12 am

There is a very high level of probability that it won't be listed as a 'spinal' anything. Neurological like is said before. I've never heard it classified that way.
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Postby Bender » Sun Mar 20, 2011 12:47 pm

also given the changing nature of the law, if you have a long enough ride on your way to diagnosis (mine took about 6 months and from what I hear that's pretty fast) you may be past the point where they can legally exclude it from your insurance by the time you're officially diagnosed.
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