Friday, 6 February 2009
LIFE INSURANCE AND CANCER..... YEAH RIGHT
I need to have a small rant, which of course may turn into a big one, but hey it's my rant....
I recently took out a mortgage. The bank advised me to have life insurance to work alongside it. Although as the amount on my mortgage was so small it didn't matter really to them whether I had it, or not.
Fine, I'd never thought I was going to get life insurance again having had breast cancer anyway.
So the forms were all filled in. Eventually the Insurance company decided they needed more information about my health. Fair enough, although they had already been told about the cancer and the fact I'm on Thyroxine for low Thyroid levels and will be for the rest of my life.
The GP surgery prepared the form, I went along to check it. It was very extensive , included stuff about my mother's death from an unrelated cancer 23 years ago. But what the...
This information was sent, but apparently not enough they needed more information.
And now they have sent me the proposal, which has really upset me. So before I come onto that I want to say something about breast cancer.
When a woman has had breast cancer she is generally, after all the initial treatment, whatever that is, given a drug like Tamoxifen for the next five years. This drug is an oestrogen inhibitor to reduce the risk of recurrence and protection for the other breast. After five years of being on this, and being symptom free, she is considered to be cured of breast cancer and the tablets stop.
In my case my breast cancer was DCIS, that is the very beginning of cancerous changes, so small that pre surgery I had to have a wire inserted in my breast to mark the spot where the lesion was. In my first operation I had a lumpectomy and lymph node removal. The lymph nodes were clear. But unfortunately the margin wasn't clear so I had a further lumpectomy. Again this wasn't successful because although the cancer was minuscule to was scattered in my breast, so it was an easy decision to have a mastectomy. What it did mean was three, two of them major, operations in eight weeks!
Because of the nature of the cancer and how quickly it had been caught then I didn't need either chemo or radiotherapy. And was put on Tamoxifen.
As far as I'm concerned I have no breast tissue left to get cancer in on one side of my body, and the other hopefully the drugs are doing their job of protecting me. Which of course doesn't mean I'm complacent and I regularly check myself.
I've made the assumption that in January 2011 I will be taken of the drugs and given a discharge by my Consultant and that will be me done.
So back to those bastards at the insurance company. Their proposal was that I could pay £60 a month for the next four years and then whooppeedo, it would be reduced to £14 a month...... What the fuck!
So the medical profession consider I will be cured by 2011, but the insurance company see me as a liability until 2013. Plus I do not think they have considered correctly what happened to me, in terms of having what turned out to be a radical mastectomy for DCIS and not requiring any further treatment. Is there something I don't know?
The whole episode has upset me. I think and feel, on top of dealing with the cancer issue,( well alright just at the moment!!!) So I phoned them up to talk it over, as I felt it was too upsetting to write it all down, and I couldn't be bothered truth be told.
So yesterday I asked if I should speak to the young man who answered the phone, or was their someone more suitable to listen to me. He the cocky bastard, said talk to him. I revealed all of this to him. It may seem easy from writing it here. But it wasn't easy to tell. The only reason it's easy now, is cause I'm so angry. So when I'd finished telling him this, and expecting to be asked questions, and a possible review of their proposal, he just said, I'll cancel the application then. Which left me speechless at the callousness of his behaviour.
Now I know I could take this further and complain. But I won't, not because I can't. I am well capable of complaining, but because this just feels abusive and for me to continue, would make me feel further abused. And frankly I don't need to do that to myself about a subject that at best I'm ok with, and at worst find distressing beyond words.
So now I've offloaded all this to you, and this seems the very best place to say it, as I know that you will understand, even if you haven't had cancer , but because you are understanding and caring people. You may tell me I need to do more, you may not. But whatever you say will be said with love and not some mindless spotty oik in an insurance office far away.
If you've got this far, thank you for listening.
Snow has got me so no weekend away for me!