Asperger’s Syndrome & Life Insurance
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We appreciate that many people with Asperger’s Syndrome are generally in good health and that the condition does not affect their lifespan. But, obtaining life insurance can be more complicated for those who have it.
When you apply for life insurance, you may be able to access what is known as normal terms of cover. Standard terms for life insurance means that you are being offered the policy at the same price as someone that does not have Asperger’s Syndrome.
Being able to get this will largely depend upon how much your condition affects your day to day life. When you’re applying for life insurance, providers will want to know:
- How the condition generally affects you?
- What your symptoms are?
- What medication you use?
- Whether you have any secondary conditions?
- Whether you also have epilepsy or anxiety?
If you have stronger symptoms that cause you to be unable to work, that requires regular support from medical professionals or you have other secondary conditions, you may be offered life insurance at non-standard terms (higher pricing).
This does not necessarily mean that you are going to be paying ridiculous prices for your cover, but it is incredibly important to find the right insurer for you. We’re here to support you and go through all of the options at every step of the way.
Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.
As with life insurance applications, critical illness cover applications will ask how the condition affects you, your symptoms, what medication you use and if you have any secondary conditions. You know your condition more than anyone else and the most important thing is to make sure that you feel supported and listened to throughout the whole application process.
With critical illness insurance applications, where someone details a pre-existing condition, it’s not unusual for an insurer to request a GP report to get a full picture of your overall health. This is simply so that the insurer can make sure that they fully understand your health before they consider what terms they can offer you.
It may be possible to obtain critical illness cover on standard terms, if the Asperger’s Syndrome does not cause a significant impact on your ability to work and what is considered to be normal day to day activities. You may find that if your symptoms are stronger that standard terms are not available. At this point you might be offered terms where are higher premium is paid.
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health
Very much as with critical illness cover and life insurance, income protection policies will require specific information about your Asperger’s Syndrome, the treatment or medication you take and how it affects you on a day to day basis.
It’s worth being prepared for the insurer to request a medical report from your GP, this is only done with your expressed permission. They do this to try and confirm how much your condition affects your day to day living and ability to work.
If your ability to go to work is unaffected by Asperger’s Syndrome, then you may be able to get an income protection policy on the standard insurance market. But be prepared that it is likely to exclude any claims linked with Asperger’s Syndrome, and more than likely any mental health related claims.
If you find that income protection doesn’t suit you, then you may want to look at Accident, Sickness and Unemployment Cover. This is a non-medically underwritten policy that provides you with a monthly income replacement for 12-24 months. These policies can sometimes be a good option but it’s important to fully understand that the policy will exclude any claim relating to your Asperger’s Syndrome.
What is Asperger's Syndrome
Asperger’s syndrome is an autistic spectrum disorder that results in a person having difficulty communicating, using their imagination and socialising. People with Asperger’s syndrome can have highly advanced language skills, but face difficulties in understanding social boundaries of acceptable communication.
Also: Mild autism, autism spectrum condition, autistic spectrum disorder (ASD)
Some potential problems experienced by individuals who have Asperger’s Syndrome include:
- Being misunderstood and appearing to be blunt or rude
- Difficulty communicating and using imagination
- Feeling that the world is overwhelming
- Highly focused interests
- Managing emotions
- Repetitive behaviour and specific routines
- Social interaction
- Occupational therapy
- Psychosocial treatment
- Selective serotonin reuptake inhibitor (SSRI)
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Absolutely, yes. It must be declared and you will be asked for a lot of information about your diagnosis, how you manage the condition and how it affects your day to day life.
However, with a milder form of the condition, you’re likely to find a wide availability of cover albeit potentially at higher than standard premiums.
If you have had any significant changes to your health recently, it is possible that the insurer that you apply to may postpone your application, until a little time has passed to make sure that you are ok. This is generally known as a postponement, but you may hear terms of being refused or declined insurance. Please do not worry if this is the case, we are here to help.
It’s possible that a prospective insurer will want to see medical records, but it won’t be your responsibility to send it. Generally, you’ll simply need to consent to the insurer accessing records from your GP and they’ll do this directly. They’ll be looking for information about your condition and how it affects your day to day life and health.
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Review by Lauren on 30th October 2018
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