Life Insurance for people with cerebral palsy may be available with some insurers at anywhere from normal terms but this is highly dependant upon the severity of the condition. When you apply for Life Insurance the insurer will want to know how severe the cerebral palsy is. You will be asked questions including but not limited to your motor skills, if there are any neurological impairments, a history of blackouts/seizure, if you need a carer and if you are working. The insurer will want to see a report from your GP to confirm your diagnosis and symptoms. Depending upon the severity of your condition you may be offered Life Insurance at standard or non-standard terms.
Critical Illness Cover for those with cerebral palsy may be available depending upon the severity of the condition. The insurer that you approach for Critical Illness Cover will want to know how much the condition impacts upon your life and the full extent of your symptoms. As with Life Insurance, the insurer will want to see a report from your GP in regards to your overall health as well as the treatments and medications that are in use. Any offer of Critical Illness Cover that you are given will be at non-standard terms in the form of a premium increase, an exclusion to some of the policy claims set or a combination of the two.
Income Protection is unlikely to be available to someone with cerebral palsy. As an alternative you can consider Accident, Sickness and Unemployment Cover. This type of policy is a form of short-term income protection that pays a benefit for 12-24 months if you are unable to work due to disability, long-term injury or involuntary redundancy. Whilst this policy is not medically underwritten at the time of application and you will be accepted for the cover, you should be fully aware that the insurer will not pay any claim that is related to the cerebral palsy.
Some potential problems experienced by individuals who have cerebral palsy include:
A need for heightened awareness of surroundings due to involuntary movements
Difficulty speaking (dysarthria)
Slower development and learning difficulties
Medications and Treatments
Cogntitive Behaviour Therapy (CBT)
Selective dorsal rhizotomy (SDR)
Soft tissue surgery
Surgery of the saliva gland
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Cerebral palsy is a blanket term used for a number of neurological conditions that occurs when there is a problem within the area of the brain that controls muscle movement. There are a number of forms of cerebral palsy that can cause a variety of difficulties for an individual including the ability to move, eat, hear and see, amongst others. Cerebral palsy cannot be cured but the symptoms can be managed with a range of therapies.
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