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Home / Critical illness cover / - Loss of Independent Existence

Background information

8 million people are currently affected by arthritis or rheumatic disease - of these, more than 3 million have a significant disability.

Osteoarthritis is the most common joint disorder, affecting more than 1 million people.

Around 350,000 people have rheumatoid arthritis.
(Arthritis Research Campaign, 2002)

Definition

Becoming permanently disabled according to all the requirements of either of the following definitions:

LIFE TASKS

Becoming permanently disabled:

MENTAL INCAPACITY

Becoming permanently disabled:

What does this mean?

This benefit is designed as a general disability benefit. Whilst some of the disabling diseases of older age, such as Alzheimer’s disease and Motor Neurone disease are covered separately, there are other conditions which can prove to be just as debilitating. These could include conditions such as severe Rheumatoid Arthritis, which can prevent the sufferer from living without constant help and care. In some cases, it could just be extreme old age, which prevents the individual from looking after themselves.

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NEWS
Trial targets 'Archilles' heel' in cancer

29 February 2008 17:21:07
A study is being carried out by Cancer Research UK scientists at Newcastle University in an attempt to trial a new drug for treating cancers.

The group claims that the drug targets the "Archilles' heel' in certain hereditary cancers, which could have implications for those considering life insurance.

Women who have developed advanced forms of breast or ovarian cancers demonstrating faults in the cancer susceptibility genes BRCA1 and BRCA2 are to be given a new drug that eliminates the DNA repair function of cancer cells.

Dr Ruth Plummer of Cancer Research UK and chief investigator of the trial said that people with faults in BRCA1 or BRCA2 have a much higher chance of developing cancer.

"Currently women with hereditary forms of breast and ovarian cancer are treated in the same way as every other woman who develops the disease," she explained.

It is hoped that the new drug will see the development of a more "targeted" treatment, the expert added.

A survey published by the organisation this week revealed that 16 per cent of the 4,150 knew that breast, cervical and bowel were the cancers that the NHS screens for.

It said that more needed to be done to raise wareness of the screening process.

Direct Life and Pensions Services Ltd are one of the UK's leading providers of life insurance, term life assurance, mortgage protection, critical illness and life insurance advice onlineADNFCR-980-ID-18490521-ADNFCR


New lab could lower Norfolk heart attacks

07 June 2007 16:36:37
Norfolk and Norwich University hospital (N&N) is hoping to raise a £400,000 windfall to drastically reduce the number of heart attack fatalities in the region.

If the funds can be raised, a second catheter laboratory could be opened, allowing the introduction of a direct primary angioplasty service.

Such a service could save hundreds of heart attack patients - research presented at the British Cardiovascular Society Conference showed that less than three per cent of heart attack patients given primary angioplasty at the Harefield Hospital in Middlesex died.

Dr Liam Hughes, consultant cardiologist at the N&N confirmed the plans for a centre:

"We would like to move towards providing this sort of heart attack service during the week, during normal working house.

"It would not be 24 hours a day because there would not be enough staff, but for certain patients, it would undoubtedly be a possibility."

Around 600 of every 100,000 men in the UK suffer a heart attack every year, while 200 of every 100,000 women are affected.ADNFCR-980-ID-18173130-ADNFCR


'Healthy breakfast may prevent heart disease'

23 April 2008 17:21:40
Eating a healthy breakfast may help to prevent heart disease, it has been claimed.

According to the Harvard Heart Letter, eating foods that contain wholegrains first thing in the morning reduces risks of heart attacks, strokes, heart failure and type 2 diabetes - conditions which may affect life insurance premiums - Medical News Today reports.

It added that eating a good breakfast smoothes out blood sugar and insulin and may decrease levels of harmful cholesterol and triglycerides.

Suggestions made by the publication of what to eat for a healthy breakfast include oatmeal topped with fruit and walnuts, high-fibre, whole-grain cereal, yoghurt with blueberries and sunflower seeds and smoothies made with milk, yoghurt and fruit juices.

Heart Research UK has warned recently that the number of people suffering from high levels of cholesterol is increasing due to poor diet and increasing cases of obesity.

According to the organisation, an estimated two-thirds of men and women have blood cholesterol levels higher than UK guidelines.

Heart Research UK lifestyle manager Denise Armstrong said: "In general, most of us, if we suffer from raised cholesterol it is because of the diet we eat.

Direct Life and Pensions Services Ltd are one of the UK's leading providers of life insurance, term life assurance, mortgage protection, critical illness and life insurance advice online


ADNFCR-980-ID-18565214-ADNFCR