suebear 21/11/17
Last reply 7 months ago
Insurance discrimnation

Hi all
My first post on here, and I apologise, its a bit of a rant.
I’m self employed & as part of my many jobs, I milk cows. I asked the “local, friendly, agricultural” insurance company who provide my public liability cover to quote for personal accident cover – incase I get kicked by a cow in the parlour, break my arm & can’t work for a few weeks. They have refused to insure me, based on a “risk assessment into my condition” – meaning it would be difficult for me to claim because of the blurry lines in identifying whether something would have been an accident or as a cause of me having MS.
I was diagnosed in March 2017 – I take Techfidera, and have had one remission (optic neuritis). I am fit and well, the DVLA have my driving license under 3 year review and very few people know/can tell about my diagnosis.
I’ve just had a conversation with the Insurance company, because although they are allowed to discriminate against disability/disease, they aren’t allowed to “blanket decide” about all conditions. They won’t however, tell me how they came to their decision, other than it was risk assessment based. They won’t give me the M.S. statistics they used to base their decision, they won’t tell me what details they used about me other than “i have MS” to make me too risky to insure. I am absolutely LIVID!
Have any of you lovely people come across this before? Do you have any lovely insurance people who understand you. Who understand we don’t have 2 heads & webbed feet? Why should we be treated differently just because we have a diagnosis tag?
Please tell me I’m not the only one 🙁 XXXX

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potter
8 months ago

I have never tried to apply for that type of insurance, but I know in the US the health insurance can discriminate. When Obama was president they past a law to protect you from it but the insurance companies find ways around it. My husband is getting ready to retire, so I have been trying to find a insurance company that will help pay for my Tecfidera. I finally had to hire a expert in the field of health insurance. He found one company but the cost of $60,000 a year is way beyond our retirement budget. When he retires I quit taking Tecfidera, I don’t want him working forever just for good health insurance. Potter


strictlysoca
8 months ago

Hi @suebear

That just is rotten – these blooming insurance rip off merchants – take your money for years then let you down grrrrrr.

Have you given MS Trust or MS society a ring? They may be able to advise or suggest specialists. Th disability law service that they referred me to for an employment matter were great as well if it is needed

Also may be the NFU might be able to help as there have to be farmers with MS who need insurance even if a certain insurance company isn’t very helpful.

all best to keep on milking


suebear
7 months ago

Oh @potter thank you for your message, I hope you will enjoy retirement together though!
@strictlysoca thank you for your advice – the NFU sacked me off yesterday without even having a conversation about the progression of my MS, that of my Mum’s or even whether I was on DMT – they’re utterly clueless. Never mind, have found an insurance with The Insurance Surgery – if that is any help to people in the future. I’m just quite cross that I’ve been binned off so quickly from two companies I thought had the farming community at their heart. I’m starting to plot writing a blog to try and help educate those who have no clue 🙂 all the best XX


strictlysoca
7 months ago

@suebear glad you got insurance. NFU letting you down that is crapola.

They do have an equal opportunities policy if you can be bothered with a complaint. Most of the time I let things slide as it’s so much hassle to try to get anyone to understand that they have to actively promote not just passively have a little box on the job application when it comes to disability and the Equality Act if they are a public body grrrrrr grrrr grrr again!

Thinks happy thoughts of you and the cows in Devon 🙂 and relax…..


cameron
7 months ago

If you can be bothered (and I suspect you can’t!), it might be worth alerting the MS Society, though, to ask if they can publicise this. Naming and shaming could achieve results. Similarly, Rip-off Britain programme researchers.


cammo
7 months ago

@potter Retire in Australia and get a Medicare card.
Good weather, good beaches, similar culture to America, less mass shootings, better beer, free medical care, government subsidized MS drugs.
Gilenya costs me $30 a month instead of $3,000 a month.


potter
7 months ago

Sounds good the weather isn’t much different than it is in Kansas is some areas of Australia. I think the only thing that would get me to move is to live near my son. He is living on the island of Palau right now, his wife government contract is up in 3 months and they are traveling around Europe for a couple of months before they come back to the US. I have no idea where they are planning on living when they get here. At least we will be able to drive to visit them. Palau is a 24 hour flight from here if you had no lay overs, I couldn’t handle that so we have never gone to see them. We planned to Skype with them but the island only has dial up service and it is very bad. Potter


suebear
7 months ago

@strictlysoca you’re a sweety, thank you!! I used the Insurance Surgery if anyone else is looking – they won’t give me “income protection insurance” but they have insured broken bones to £2500 which isn’t too bad – also £250/24hr stay in hospital
@cameron I’ll defo let MS Society know, I’m going to write to both NFU & Cornish Mutual letting them know how they can help future applicants with advice. They can take it or leave it, but at least its off my chest. Thanks all for your positivity & help XX


strictlysoca
7 months ago

Oh good on ya @suebear.

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