When you have chronic fatigue, Life Insurance applications are often accepted at standard terms provided that the condition is well controlled. Application for Life Insurance with chronic fatigue syndrome that is severe, frequent or has required time off work may result in you being offered a policy on special terms, which will include an increase to the policy premiums. If you have any additional medical disclosures such as depression, the application will be reviewed further by the insurers and may also result in an increase to the policy premiums.
When you apply for Critical Illness Cover, chronic fatigue syndrome will need to be detailed fully to the insurer. It is possible that you will be offered ordinary rates on the policy premium if the condition is mild and there have been no recent symptoms. Whilst this is the case you will probably find that an add on to this type of policy called Total Permanent Disability, is excluded from your cover. This is a small benefit to Critical Illness Cover and should not deter you from the remaining benefits of the policy.
When you have chronic fatigue syndrome, Critical Illness Cover applications will be strongly reviewed upon the severity of the condition, time taken off work, frequency of relapses and whether there are any contributory illness such as depression. Where this is the case it is probable that your policy will be accepted with rated premiums and may include exclusions related to mental health claims.
When you apply for Income Protection, chronic fatigue syndrome will generally result in your application being placed with a specialist insurer who will consider your case. Where chronic fatigue has been prevalent in the past, with no recent symptoms and there are no other significant medical disclosures, your application may be considered.
If you have current symptoms of chronic fatigue syndrome, Income Protection applications will need to be considered on a case by case basis by a specialist insurer. In this circumstance an Income Protection will be difficult to arrange but we are happy to approach our insurers with your personal circumstances to see what they could offer.
You may wish to consider Accident, Sickness and Unemployment cover that will provide you with short-term income protection of between 12 and 24 months. These policies are not medically underwritten meaning that your chronic fatigue syndrome will have no impact upon the acceptance terms of your policy. Whilst this is the case you need to be fully aware though that any claim that you place on the policy that is a direct result of your existing medical conditions will not be approved.
Some potential problems experienced by individuals who have chronic fatigue syndrome include
Thorough planning of activities and daily structures
Balanced diet regime
Medications and Treatments
Graded exercise therapy (GET)
Cognitive behaviour therapy (CBT)
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Chronic fatigue syndrome is a long-term illness that causes severe fatigue regardless of the amount of rest a person has had. There is no definitive cause of chronic fatigue syndrome but it is believed that a viral infection, immune system problems, hormone imbalance, genetics, high stress or a traumatic event could be the cause. Those who suffer with the condition can face difficulty getting other people to understand the illness, as there can be a negative perception that it is just over tiredness.
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