Life Insurance for people with cervical spondylosis may be available at normal terms with some insurers provided that the condition is stable and you do not require strong medication to manage the symptoms. The insurer may want your application for Life Insurance to detail how long it has been since you were diagnosed, any medications and treatments that are in use and whether there are any additional medical disclosures to be made. If there are any other medical conditions included on your application the insurer may want to discuss those other aspects of your health further.
Critical Illness Cover for those with cervical spondylosis may also be available at standard terms, provided that the condition is well controlled and does not present significant problems to your general standard of living. Similarly, the insurer may be interested in determining how long the condition has been diagnosed for, previous and current medications/treatments that are in use and whether there are any other contributory illnesses affecting your health.
Income Protection for people with cervical spondylosis will typically be offered with an exclusion to any claims related to the spine. The insurer will want to know whether your condition has caused you to miss any time from work and if it currently impacts upon your ability to do your job. Whilst the spinal exclusion may not seem like an ideal situation, you should still be eligible for all other claimable conditions on the policy; provided that there are no other pre-existing conditions in your medical history.
Should you feel that the spinal exclusion means that you do not want to proceed with an Income Protection policy you may wish to consider an Accident, Sickness and Unemployment policy. This type of policy will pay a monthly income replacement of between 12 and 24 months if you are unable to work due to disability, long-term injury or involuntary redundancy. An Accident, Sickness and Unemployment policy is not medically underwritten, meaning that your cervical spondylosis will have no impact upon the acceptance terms of the cover. However you need to fully aware that any claim that you place on this policy will exclude any inability to work due to a pre-existing condition, including cervical spondylosis.
Some potential problems experienced by individuals who have cervical spondylosis include:
Use of support pillows when laying down
Loss of feeling in the hands and feet
Pins and needles in the arms and legs
In severe cases the condition may cause incontinence
Medications and Treatments
Ibupofen (Brufen, Cuprofen)
Non steroidal anti-inflammatory drugs (NSAIDs)
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Cervical spondylosis is an age-related condition where parts of the spine begin to alter, become rigid and painful due to 'wear and tear'. As we age the spine may begin to develop bones spurs (osteophytes) to compensate for the loss of cushioning provided by degenerated discs. These extra lumps of bone can cause the spine to become rigid resulting in reduced movement and excess pressure upon the spinal cord and surrounding nerves.
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