Life Insurance for people with dystonia will need to be reviewed by the insurer on a case by case basis. The insurance provider that you approach will want to see a report from your GP as to the type of dystonia you have and how the condition affects your overall health. Depending upon the severity of the condition Life Insurance may be available at standard terms, non-standard terms or declined.
Critical Illness Cover for people who have dystonia will also require a report from your doctor to establish the type of dystonia you have and how the condition impacts upon your general state of health. It is not possible to advise as to the potential underwriting terms that you may receive for Critical Illness Cover as the cause and the severity of the condition vary so greatly. However you should be aware that any terms for Critical Illness Cover that you are offered will likely be at non-standard terms (premium increase).
Income Protection for people with dystonia will again be reviewed on a case by case basis, with the insurer particularly interested in any time off work you have had due to the condition. The insurance provider will want to see a report from your GP as to the cause of the dystonia, the symptoms you display and any other secondary conditions that are present. It is likely that any offer of Income Protection that is available to you will be at special terms (a premium increase and/or exclusions).
If you are declined Income Protection cover or the policy becomes unaffordable after underwriting, it is worthwhile considering Accident, Sickness and Unemployment Cover. This type of policy provides a monthly income replacement for between 12 and 24 months if you are unable to work due to disability, long-term injury or involuntary redundancy. Accident, Sickness and Unemployment Cover is not medically underwritten at the time of application meaning that your diagnosis of dystonia will have no bearing on the policy impact terms. You should be fully aware though that the policy will exclude any claim that you place that is in relation to the dystonia.
Some potential problems experienced by individuals who have dystonia include:
Writers cramp (musicians, golfers and typists cramp)
Medications and Treatments
Amantadine hydrochloride (Symmetrel)
Botulinum Toxin Type A (Botox)
Botulinum Toxin Type B (Neurobloc)
Bromocriptine mesilate (Parlodel)
Carbidopa Monohydrate/Levodopa (Caramet)
Dantrolene sodium (Dantrium)
Deep Brain Stimulation (DBS) surgery
Procyclidine hydrochloride (Kemadrin)
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Dystonia is typically diagnosed as either cervical (affecting the neck) or as blephoraspasm (affecting the eyelid). The general cause of primary dystonia (hereditary/genetic) is thought to be in relation to a problem within the basal ganglia causing interruptions to the messages sent by neurotransmitters controlling muscle movement. Secondary dystonia can be caused by a variety of conditions such as Parkinson's disease and Multiple Scleorosis.
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