Life Insurance for those with dermatomyositis will generally be available at special terms and you should approach an insurance provider who understands the condition fully and is prepared to offer the lowest premium rating possible. The insurer will want to know how long it has been since the time of diagnosis, the medications and treatments that you use to manage the symptoms and how severely you are affected by the condition. The insurer will most likely want to see a report from your GP to establish your overall state of health and confirm how the dermatomyositis affects you. The severity of the condition will determine the policy acceptance terms that you are offered which will range from a premium loading, a postponement of the application until a specific time period has passed or in extreme cases the insurer may choose to decline cover.
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Critical Illness Cover
Critical Illness Insurance for people with dermatomyositis will typically be available with a number of insurers. The insurance provider will want to see a report from your GP to ascertain your general state of health, how the condition presents itself, the severity of the symptoms that you experience and the medications and methods used to treat the condition. The Critical Illness Cover application will likely be accepted at non-standard terms which will involve a loading to the policy premium, postponement until a later date or in rare cases a declinature of cover.
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Income Protection for those with dermatomyositis should be available with a number of insurers and you are most likely to receive an offer of cover if there is little or no medication in use. The insurance provider will want to know if the dermatomyositis has caused you to have any time off work and they will probably want to see a report from your GP to confirm your medical details. If Income Protection is available to you following the application underwriting process, it will be at special terms.
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- Difficulty breathing
- Difficulty swallowing (dysphagia)
- Extra care with sun protection
- Mobility issues
- Weight loss
- Bent joints (flexion contracture)
- Calcium tablets
- Disease-modifying anti-rheumatic drugs (DMARDs)
- Immunoglobulin infusions
- Intravenous immunoglobulin therapy
- Vitamin D tablets