The practical things - insurance

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I can't stop crying. I had what I believed to be an insurance policy that paid my mortgage if I ever could not work. I phoned up today to find out that is not what my policy is at all. I had used a broker when I bought my shared ownership flat and as I live alone I knew that if I ever could not work if I had a policy that paid my mortgage then any other benefit I might need would ignore that payment. Found out today that is not what I have...I have income protection of £366 per month. If for any reason I can't work after treatment etc etc I will lose my flat. The only good news I was told is that when it is terminal if I'm still in my flat the life policy will pay my mortgage off. I don't know how people cope ...I thought I had done things properly ....it's one thing after another arghhhhhh

Spanglesx 21 days ago in reply to chellesimo

Hi Chelle, of course I don't mind you jumping on my post. The more the merrier. Everyone is so kind on here, thank you for the link I will look into it x

Stella2020 20 days ago

Oh no so sorry to hear that! Are you claiming PIP? That is available to most patients with stage 4 diagnosis.

If you have got the head space, an appointment with a macmillan / Maggie’s financial officer would really help you. When I was on my chemo the consultant is quite happy to sign that I have only 12 month this to live. It does not mean you will definitely die within 12 months just it is a possibility. Many people able to realise their life insurance /pension this way.

Spanglesx 20 days ago in reply to Stella2020

Hi Stella, thanks for your comment. My oncologist won't sign for my pip yet. I am waiting to see someone from Macmillan x

Stella2020 20 days ago in reply to Spanglesx

I think if a macmillan nurse fill the PIP form for you, normally they will approve it real quick. The assessor called my CNS just to verify I am indeed on chemo and approved it. You need to google on how to fill it in. It is a point based system so write down the worst day with your radiotherapy/ chemo effects. Make sure you get the maximum point possible.