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UK legal, insurance, employment, benefits, statutory services Advice offered by HDA Moderators relates to current UK law or guidelines

 
 
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Old 10-01-18, 10:01 PM   #1
Fola
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Join Date: Nov 2016
Location: Petts Wood
Posts: 11
Default Critical Illness Cover

Seems far more complicated than I thought. As my wife has HD and has been unable to work for nearly 10 months, I wanted to see what our options were. Apparently, the criteria is defined as something which prevents my wife from doing 2 out of the following 6 tasks:
Walking- The ability to walk 200 metres on a level surface with a stick or other aid if required, without stopping or severe discomfort.
Lifting - The ability to pick up 1kg from table height and carry it for 5 metres.
Using a pen, pencil or keyboard -The ability to use a pen, pencil or keyboard with either hand or using any aids.
Hearing- The ability to hear, with a hearing aid if required, well enough to understand someone speaking a common language in a normal voice in a quiet room.
Speech- The ability to be understood in a common language in a quiet room.
Vision- The ability to see well enough to read 16 point print using spectacles or other aids if required.

However, none of this covers the fact that she can't teach because of how she responds to children and colleagues, how easily fatigued she is, her general irritabiliyy and other related difficulties. So apparently we just have to wait until she gets physically worse, which just seems odd.

Am I missing something here or are there any other options I should be looking at? Or is ill health retirement pension a better avenue to explore?

Thanks Fola

Last edited by Fola; 10-01-18 at 10:13 PM. Reason: To add something extra
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