vannie Report post Posted April 7, 2010 Hi just wondered how aspergers was viewed by insurance companies. We are just looking to renew our mortgage cover and our current policy cover has child benefit cover. It states that if one of our dependents becomes disabled (diagnosed) then we are entitled to the premium. I know these insurance companies have different clauses, but just wondered if anyone knew anything about this before I start making enquiries. Thanks for any advice. Quote Share this post Link to post Share on other sites
Tally Report post Posted April 7, 2010 If you already know about the Asperger's before you took out the insurance, they are not going to pay out. A diagnosis of Asperger's doesn't necessarily mean your child is considered disabled. There is no generally accepted legal definition of "disabled," so you would have to look at your particular premium and see how they define it. Quote Share this post Link to post Share on other sites
Mumble Report post Posted April 7, 2010 Asperger's is neither an illness nor critical (which I have been led to believe - although this may be wrong - means life-threatening). Quote Share this post Link to post Share on other sites
call me jaded Report post Posted April 7, 2010 Legally, if you receive DLA that counts as proof of disability. Quote Share this post Link to post Share on other sites
Lynden Report post Posted April 7, 2010 Critical illness covers things like cancer, heart attacks, strokes etc. My friends little boy had lukemia and theirs paid out. He recovered but obviously they had a really tough 3-4 years. As far as I'm aware things like ASD are not applicable for this kind of cover. Quote Share this post Link to post Share on other sites
vannie Report post Posted April 7, 2010 OK thanks a lot for the advice. Quote Share this post Link to post Share on other sites
