Life Insurance for those with psoriatic arthritis can result in a policy being accepted at either standard or increased premiums, based upon the medications that you take and any other medical disclosures that you have. A psoriatic arthritis Life Insurance application will require you to detail if your condition is well controlled, the severity of the condition and the types of medication that you take.
If your psoriatic arthritis is well controlled, has mild symptoms and you are not taking strong medication for the condition, you may be able to secure standard rates on your policy. If you are taking anti TNFs such as imflixmab, or anti-disease modifying drugs such as methotrexate, then your policy premiums will likely be subject to a light premium loading.
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Critical Illness Cover
Critical Illness Cover for those with psoriatic arthritis will require additional assessment by the insurance underwriters, to establish the full extent of the condition upon your health. Where strong medication is in use it is likely that your premium will be increased or an exclusion placed on your policy for any claim related to your illness. You may be able to choose between higher premiums with your condition covered, or a normal premium with it excluded depending upon which provider you choose. Please speak with one of our qualified advisers to help you discuss the best options for your circumstances.
It is possible that in certain circumstances if the condition is very severe then an application for Critical Illness Cover could be declined.
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Income Protection for people with psoriatic arthritis will be underwritten very strictly and unfortunately some providers will not be able to offer cover at all. This is due to the high number of Income Protection claims for musculoskeletal problems. Certain providers can offer cover but this will depend on the medication you take, the severity of the condition and what you do for a living. If cover can be offered it is likely to come with a exclusion for psoriatic arthritis. It is certainly best speaking to an qualified adviser to help you place this cover.
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If Income Protection is unavailable you may be eligible for Accident, Sickness and Unemployment cover. This policy offers short term Accident and Sickness Cover that will pay for between 12 and 24 months if you cannot work due to ill health. Please note however the plans come with exclusions and this will certainly apply to your existing condition(s).
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Some potential problems experienced by individuals who have psoriatic arthritis include:
- Difficulty fastening buttons
- Difficulty holding cups and cutlery
- Morning stiffness
- Conjunctivitis, iritis, uveitis
- Jaw pain and headaches
- Anti TNFs - Imflixmab
- COX-2 inhibitors, coxibs - Celecoxib, Etoricoxib
- Disease-modifying anti-rheumatic drugs, DMARDs - Leflunomide, Sulfasalazine, Methotrexate
- Non-steroidal anti-inflammatory drugs, NSAIDs - Ibuprofen, Naproxen, Diclofenac