Life Insurance, Critical Illness Cover and Income Protection for people with Lupus

Life Insurance

Life Insurance if you have lupus can often be arranged provided that you have little to no symptoms, or that the condition is well controlled with medication. The insurer that you apply to will want to see a medical report from your GP, in order to establish how much the condition affects you before they offer policy terms. Lupus Life Insurance is often available but the policy terms will depend on the type of lupus you have (e.g. Discoid Lupus Erythematosus or Systemic lupus erythematosus). Rates for DLE are usually better than those for SLE however it will depend upon the severity and frequency of symptoms. Insurers are also likely to offer more favourable terms to non-smokers than smokers combined with lupus.

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Critical Illness Cover

Critical Illness Cover for people with lupus can sometimes be available. This will depend upon the type of lupus (DLE is treat more leniently than SLE), the type/duration of medication and the frequency of symptoms. It is extremely likely if cover can be offered that there will be a premium loading applied to the cover.

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Income Protection

Income Protection for people with lupus can sometimes be offered. If you suffer from DLE (Discoid Lupus Erythematosus) then any potential terms are likely to be more favourable than for people with SLE (Systemic lupus erythematosus). Some companies may look to put an increase in premiums on the plan and some may look to exclude lupus from the policy.

For sufferers of SLE obtaining Income Protection may be more difficult. Some providers may consider cover so long as you are not had symptoms for some time and/or are not requiring medication. Some providers may look at cover with a longer deferment, e.g. 6 months.

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You may decide to apply for Accident, Sickness and Unemployment Cover as an alternative to Income Protection. Accident, Sickness and Unemployment Cover provides a short-term monthly income replacement and is not medically underwritten, though existing medical conditions are excluded from the claimable conditions.

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Possible Effects on Lifestyle

Some potential problems experienced by individuals who have lupus include:

  • Scarring of the skin
  • Headaches and migraines
  • Swollen lymph glands
  • Fluid retention
  • Raynaurd’s syndrome
  • Memory loss
  • Family planning
  • Mild anaemia
  • Hitch-hiking thumb

Medications and Treatments

  • Azathioprine
  • Benlysta (Belimumab)
  • Chloroquine (Avloclor)
  • Depo-Medrone (Methylprednisolone acetate)
  • Dexamethasone sodium phosphate (Dexsol)
  • Hydroxychloroquine (Plaquenil)
  • Ibuprofen
  • Kenalog
  • Kenalog
  • Methylprednisolone (Medrone)
  • Naproxen
  • Prednisolone (Deltacortril)
  • Prednisolone Sodium Phosphate
  • Solu-Cortef

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