Life Insurance applications for those with borderline personality disorder will often need to be supported by a report from your GP regarding your general health, medications and treatment in use and how the condition affects you; the insurer will want to know if you have a history of suicide attempts. These reports are arranged by the insurer at their own expense once your application is with them. Depending upon the severity of your condition the insurer may be able to offer you Life Insurance at standard terms or at non-standard terms (price increase). If the borderline personality disorder causes significant impacts to your health and/or there is a history of recent suicide attempts it is possible that the insurer may choose to postpone the offer of cover for a number of years or decline the application.
As with Life Insurance, an application for Critical Illness Cover when you have borderline personality disorder will need to detail the severity of your symptoms, medications and treatments that are in use, any secondary conditions that are present and if you have ever attempted suicide. A report from your GP will be used by the insurer to establish the terms that you will be offered for cover, if cover is available. Any application for Critical Illness Cover will come with an exclusion to the Total Permanent Disability aspect of the policy, but this should not deter you from the significant benefits that are available through the rest of the contract; typically a minimum of 40 claimable illnesses. You should place your Critical Illness application with an insurance provider who offers the most favourable terms to those with borderline personality disorder to increase your chance of securing the cover at normal or special terms (price increase). Where the condition is classed as severe and/or there have been suicide attempts the insurer may choose to decline the Critical Illness application.
Income Protection for people with borderline personality disorder will often be reviewed on a case by case basis. The insurer will be particularly interested in whether or not the condition has caused you to have time off work. A GP report will be used in conjunction with the details in your application to establish what terms will be available to you. Where Income Protection is available it will be at non-standard terms which will involve an exclusion on the policy for any claim related to the borderline personality disorder. Where the condition is classed as more severe the insurer may choose to decline the cover.
If you find that you are declined cover for Income Protection it could be worthwhile considering Accident, Sickness and Unemployment Cover. Accident, Sickness and Unemployment cover is not medically underwritten, meaning that your borderline personality disorder will have no impact upon the premium or acceptance terms of the policy; whilst this is the case the policy will exclude any claims relating to your condition. An Accident, Sickness and Unemployment policy will provide between 12 and 24 months of income protection should you be unable to work due to long-term disability, injury or involuntary redundancy.
Some potential problems experienced by individuals who have borderline personality disorder include:
Difficulty maintaining social relationships
Withdrawal or rejection of society
Feelings of abandonment
Fear of being left alone
Binges - alcohol, drugs, spending and gambling
Medications and Treatments
Dialectical behaviour therapy (DBT)
Mentalisation-based therapy (MBT)
Therapeutic communities (TCs)
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Borderline personality disorder is a condition that affects a persons mood and their ability to interact with those around them. A person with borderline personality disorder may find that they experience intense periods of negative emotions and struggle to overcome changed perceptions/beliefs in the world around them. There is no specific cause for the condition but it is thought that it is the result of a combination of genetic and environmental factors.
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