[PTN]

Hi,

Can anyone confirm or deny that being diagnosed with MS will have an adverse effect on Mortgages, Insurances etc ?

Thanks.

[Hezza]

Hi again PTN,
MS is one of the conditions that is covered by the Disability Discrimination Act (DDA) so companies shouldn't be able to discriminate against people with MS when providing their services and employers are required to make "reasonable adjustments" in the workplace. There's more information at the link below.

http://www.direct.gov.uk/en/DisabledPeople/RightsAndObligations/DisabilityRights/DG_4001068

From personal experience my MS initally had a positive effect on my mortgage as I had Critical Illness cover and MS was on of the conditions covered by the policy If you have existing cover yourself then it is worth checking out.
We moved house last year and my MS was not a factor at all in the new mortgage. Where we did see a difference is in Life Insurance cover - existing conditions aren't covered so I can now have life insurance but not critical illness cover. The same is true for my husband who had cancer as a child.

The MS trust also have information on an insurance provider for people with MS on their website: http://www.mstrust.org.uk/fundraising/other/insurance/

I hope this helps a little. I'm sure some of the other members will share their own thoughts too.

[PTN]

Thanks Hezza,

That's very useful. I have Life Cover but not Critical Illness so won't miss not being able to have that. I was hoping to re-mortgage shortly for an extension to my house so hearing that it had no affect on your application is good news.

Unfortunately, people often provide misinformation believing they are being helpful and during a conversation last night I was told that the condition would affect such things. Thanks for taking the time to share your experiences.

[Scully]

Hello PTN.

If you were to be diagnosed with MS, then there are also questions that may arise over various insurances, be it, critical illness, travel, motor etc, income protection and shots of others

I found this site to be pretty good, again specialists with people with MS. They were pretty good when I called them with a whole host of questions.

http://www.the-insurance-surgery.co.uk/illnesses/multiple-sclerosis-insurance

Just a few things to keep in mind, should you need them.

Scully
x

[PTN]

Thanks Scully,

That's an excellent website, many thanks.

[Christina]

Hi PTN
As well as the ones already mentioned, you might find these sites useful for future insurance needs
www.essentialtravel.co.uk. 0845 803 5434
www.freedominsure.co.uk 01223 446914
www.pulse-insurance.co.uk 01280 841 430
www.orbisinsurance.co.uk. 01424 215 315
www.mssociety.org.uk/insurance. 0800 7833 157
Chris x

[PTN]

Thank you very much Christina.

[Willow]

Hi all,

Hope you are all keeping well. How strange I was just looking into this today, I have been looking at our endownment polices (we have 3) only 1 has critical illness cover. Am thinking of calling them to see if we can get it added to our other 2 just in case anything should happen (if you know what I mean). We both have life insurance but nothing else with critical illness and I think if we can afford it that it would be a good thing to have, seeing as Hubby has not been diagnosed and if he was to be at a later stage in his life we should be covered, I hope. Wil have a look at the websites you have added xxx

[ClaireyCro]

Hi everyone

I'm actually a mortgage adviser and ms will have no affect on obtaining a mortgage or any other type of finance in fact if u receive dla most mortgage lenders will take it into consideration when assessing how much u can borrow!!

It does however have an affect on life/critical illness cover, any new cover taken out will possibly carry a premium loading or in the case of critical illness will carry exclusions or possibly be declined!!

Hope that helps, if u need to know anything else don't hesitate to ask!!

Take care

Claire xx

[Hezza]

Thanks Claire