BluKoo
Member
Registered: 8th Apr 02
Location: Stonehaven (Scotland)
User status: Offline
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A few years ago, just after my mum died, I was advised by doctors to get checked out for Polysystic Kidney Disease.
My dad though, "i'll talk out a critical illness plan". He's a little supersticious, and he was hoping if he took out the plan, it would be money wasted and i wouldn't have anything. I'm afraid that wasn't the case though. I was diagnosed with Polysystic Kidney Disease.
Today, i was trying to find a document for my dad. Was looking through the filing cabinate and I came accross the critical illness plan. Even though he's been paying the monthly premiums, i am down as the owner of the policy and i'm entitled to a fair amount of money.
The question is, would it be out of order for me to say to my dad that i want that money?
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Whittie
Member
Registered: 11th Aug 06
Location: North Wales Drives: BMW, Corsa & Fiat
User status: Offline
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Not at all.
I was looking through X to find somehting I wanted and came accross the papers.
Just tell him straight.
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Colin
Member
Registered: 4th Apr 02
User status: Offline
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So its a plan that pays out a sum if you have a critical illness??
I dont see why you shouldnt be entitled to some cash as any payout would be to help you with your life etc.
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Ojc
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Registered: 14th Nov 00
Location: Reading: Drives : Clio 197
User status: Offline
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Did you get checked out before you took out the life assurance Ci plan? If so, they might not pay up on grounds of non disclosure.
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Colin
Member
Registered: 4th Apr 02
User status: Offline
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Although without knowing the terms of the plan its hard to say, it may only pay out once your unfit to work / deeid etc 
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Jamie
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Registered: 1st Apr 02
Location: Aberdeen
User status: Offline
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Should just discuss it with him. As said above, I was looking for document x and found document y.
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Ian W
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Registered: 8th Nov 03
Location: Wirral, Merseyside
User status: Offline
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Wont the plan be in your name so any costs relevent to you will be paid if need be?
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BluKoo
Member
Registered: 8th Apr 02
Location: Stonehaven (Scotland)
User status: Offline
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quote:
Originally posted by Ojc
Did you get checked out before you took out the life assurance Ci plan? If so, they might not pay up on grounds of non disclosure.
Took out the plan, then got checked out a month or 2 later.
quote:
Originally posted by Colin
Although without knowing the terms of the plan its hard to say, it may only pay out once your unfit to work / deeid etc
Its not the sort of illness where i'll be unable to work. It might effect me later on in my life (maybe my 40s), but i'll have to get a kidney transplant or go on dialysis every week or two.
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Ojc
Member
Registered: 14th Nov 00
Location: Reading: Drives : Clio 197
User status: Offline
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quote:
Originally posted by BluKoo
quote:
Originally posted by Ojc
Did you get checked out before you took out the life assurance Ci plan? If so, they might not pay up on grounds of non disclosure.
Took out the plan, then got checked out a month or 2 later.
quote:
Originally posted by Colin
Although without knowing the terms of the plan its hard to say, it may only pay out once your unfit to work / deeid etc
Its not the sort of illness where i'll be unable to work. It might effect me later on in my life (maybe my 40s), but i'll have to get a kidney transplant or go on dialysis every week or two.
Who is the policy with if you don't mind me asking?
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BluKoo
Member
Registered: 8th Apr 02
Location: Stonehaven (Scotland)
User status: Offline
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Its with Scottish Provident.
I think i might talk to my dad about it tonight.
[Edited on 14-11-2008 by BluKoo]
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