Prayers to St Anthony!

[loubieloo4]

I can't find our life insurance policy to check something, sadly we are making a claim as dh (39) has terminal bowel cancer. I know I had it back in August when we first started our claim. However, it seems to have vanished 😖

I have prayed to St Anthony!

Checked so far:
Filing cabinet
DH's hospital paperwork
Junk draw
all cupboards in kitchen
Desk
Living room
Children's art folder

Urgh

Sorry about your stressful situation. When my Irish mum was let down by a standard prayer to St Anthony she would give it extra oopmph by sticking a pin in an armchair arm at the same time.
Naturally it worked ... sometimes.
Good luck and best wishes.

So sorry to hear this Loubieloo4
All the best to your family over the next while

(St Anthony works on commission - you have to promise him charitable giving - 50p in a collector's bucket will do!)

@loubieloo4

Legal & General have a bereavement page on their website here: www.legalandgeneral.com/existing-customers/life-cover-support/claims-information/bereavement-claim/

You poor thing. Insurers are bar stewards. It will be in your emails but you need rest and sleep to find it. Will pray tonight xx

OP when was your policy taken out? It's very unusual for a terminal illness benefit to be payable when life expectancy is less than 24 months - 12 is the usual amount.

L&G will be able to reprint a copy of the policy document. And they will waive the requirement for you to provide it if the claim is successful, you may need to sign a delecration confirming that it hasnt been assigned to anyone else
So sorry you and your DH are going through this

Also found these bereavement faqs: www.legalandgeneral.com/existing-customers/life-cover-support/claims-information/bereavement-claim/faqs/

Which include:
“I can’t find my original policy document, is this a problem?
No it's not a problem. We're able to provide the policy owner with a relevant declaration to complete instead.”

Whoever you spoke to is wrong love, no need to search, let them sort this one for you

The MN / Saints team is here to help

@Namechangenecessity it's one of my grannie's and I'd say she was legit convinced she had the holy saints on personal speed-dial

It sounds as though the insurers are stringing you along, they will certainly have a copy of your original documents in their files, otherwise how would their business ever function?

However, were you dealing with other paperwork around the same time, pensions or saving accounts for instance, perhaps all have been swept up and mis-filed together.
Or maybe stuffed in with car or home insurance documents?
Or Tax or benefits paperwork?

I'm so sorry you are going though this dreadful time.

Princess Louis - great post!

Have you out it in a plastic bag hanging up in your understairs cupboard? I'll ask my mum (rip) to have a word with st a. She has a hotline I'm sure.

So sorry about your husband. X

Thanks @Namechangenecessity! It’s the power of prayer!

I am so so sorry for what you are going through. I have said a prayer to my Grandmother (who has helped me findnmany lost things) as well as Saint Anthony so that it shows up.

However, and I may be wrong but surely with GDPR and everything you and your DP should be able to request all data held by them in relation to you both and the document you need should be included in it.

I wonder if you can go about this another way. You've stated that your DH's oncologist has said he thinks your DH will actually be less than 12 months. They do have a good indication. I have found (also stage four cancer here) that an oncologist will often come from the point of view of helping the patient through the myriad of paperwork in whatever way he is asked to. So, can you ask him to sign a form or letter etc if asked by the life insurance people saying that in his or her view, your DH actually has 6-9 months to live? Then it's less than 12 months and the life insurance will pay out even if you can't find the original booklet.

I am sorry for the stress, anxiety and pain you are all going through, I know it's shit. My oncologist signed paperwork to say I had less than 12 months to live when asked, it may be that yours will do the same?

I'm sorry about your husband.
What you need to remember is st Anthony does nothing for nothing, promise him a fiver and the docs will show up.

Thank you everyone.

I do feel like the insurers are pushing back, they have asked for a re-staging scan, which the oncologist says doesn't exist, once stage 4 always stage 4. But due to the fact dh has had a few rounds of chemo they want another scan to see if his cancer has reduced, which is very doubtful due to the amount of spread he has. They have also asked for another confirmation from another gp that he has no previous medical history. They are just trying to drag it out or not pay out I'm sure.

The oncologist did put 6-12 months but the insurance are saying that could have changed since we first claimed due to the fact he has had some treatment.

I have prayed again offering my fiver pounds to charity!

Your family will be in my prayers.
It's a shite situation

the policy that was valid when you took the insurance should be the valid one for you not the new updated one. they should have the old version. you can fight for that.

I had this with insurance who were refusing to pay out for wedding insurance - total trivial compared to what you are going through. I threatened them with media as said I needed money (was never gonna do it) I got a phone call and hour later to say my check was in the post. Maybe worth a try? So sorry you are going through this

Also I'm guessing you have some sort of faith when praying to st Anthony. I find saying Jesus was lost and then he was found over and over always seems to locate my shit

I always find documents in the place they are supposed to be even though they weren't there the first 10 times i looked. They are always sandwiched between other things. You need to go through all your documents slowly, page by page. I am sure it is right there!

Thank you everyone.

I do feel like the insurers are pushing back, they have asked for a re-staging scan, which the oncologist says doesn't exist, once stage 4 always stage 4. But due to the fact dh has had a few rounds of chemo they want another scan to see if his cancer has reduced, which is very doubtful due to the amount of spread he has

Can you explain to the oncologist that the insurers want another scan, get the scan done, and then get the oncologist to say that even with the results that were then new in, the prognosis is still 6-9 months?

Bold fail, sorry. But basically I am encouraging you to use your oncologist to fill out the forms in the gloomiest possible way to get the insurers to pay up. The oncologist will be used to this sort of thing . They don't lie but if 6-9 months is realistic no matter what then he or she will write it down for you.

And if it's not then you could just wait until it is and then try again. Sorry, I know that sounds harsh. I've been there. I've had one insurer pay out as under two years and one who won't until it's under 12 months.

@lightandairy56

He has a scan booked for 10th Dec.

Ok, well in my direct experience you need to ask your onc to report back to the insurance company in the bleakest gloomiest possible way he or she feels able to do. This is an exercise in getting the insurance to pay out. The onc will not lie but if they feel that there is a realistic chance that your DH only has eg 6-9 months then ask them to report back.

You have to separate out that gloomy picture from the conversation you will then have with your onc about ways to extend DH's life as long as possible etc.

I'm sorry to be blunt. You must be reeling. I have been there. I still am. I have a form in my possession saying I have less than 12 months to live. At the same time I had a conversation yesterday with the onc about how well I am doing.

For anyone reading this who can't get their heads around these dual approaches, I hope you are never in the position where you will have to. Because it sucks. And therefore oncologists tend to come from the point of view of trying to help their patients both medically and making their lives a tiny bit easier at a shockingly stressful time by signing a form saying their patient has less than 12 months to live because they will all have seen patients who have deteriorated fast and on the contrary those who should have done but have gone on for ages - and they often don't know who is going to fall into which category.