When you apply for Life Insurance, ankylosing spondylitis will need to be fully disclosed to the insurer including details of treatments, any scheduled surgery due, severity of symptoms (e.g. internal organ involvement) and medications used to control the condition such as anti-TNFs. It is likely that any insurer that you approach will either wish to conduct a telephone medical interview with you or speak with your GP to establish your present state of health. Depending upon the severity of the condition and medications in use it is possible that your Life Insurance application could be accepted anywhere from standard (base premiums) to special terms (increased premiums).
When you have anykylosing spondylitis a Critical Illness Cover application will probably be subject to the results of a medical tele-interview and/or report from your GP as to the present state of your health. Where the condition is very mild you may be able to secure standard terms but in general you will probably find that your application will be accepted with special terms whereby the premiums are increased. It is also possible that certain conditions could be removed from the policy claims set due to the increased likelihood of a claim being made for them due to the progression of ankylosing spondylitis overtime.
Income Protection for those with ankylosying spondylitis can be difficult to arrange with many mainstream providers declining cover where the condition is present; some select insurers will consider an Income Protection application if there any no medications in use. You may find that you are restricted on certain aspects of an Income Protection policy such as the minimum deferrment period that you can choose, with much more affordable cover being available on those who opt for a policy that will pay a claim after 13 weeks of inability to work.
You may wish to consider Accident, Sickness and Unemployment Cover as an alternative to Income Protection. Accident, Sickness and Unemployment Cover can provide a regular monthly income replacement for between 12 and 24 months if you are unable to work due to disability, injury or involuntary redundancy. This type of policy is not medically underwritten at the point of application so your ankylosing spondylitis will have no bearing on the policy acceptance terms. However any claim that you place would be subject to medical assessment and any existing conditions would be excluded from claimable circumstances, meaning that should you make a claim in relation to your ankylosing spondylitis this will not be approved.
Lidocaine/Methylprednisolone acetate (Depo-medrone with Lidocaine)
Methylprednisolone acetate (Depo-Medrone)
Non-steroidal anti-inflammatory drugs (NSAIDs)
Paracetamol (Anadin Paracetamol)
Tumour necrosis factor (TNF) blocker
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Ankylosing spondylitis is generally diagnosed when inflammation occurs in the spinal joints, ligaments and sacroiliac joints causing severe pain and stiffness. As the condition progresses new bone growth can occur around the affected vertebrae causing them to fuse and reduce flexibility of movement. A form of chronic arthritis, the condition can lead to long-term disability and there is currently no specific known cause for its onset. It is thought that ankylosing spondylitis could be a hereditary disease with the gene HLA-B27 being the cause of the condition.
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