When underwriting this condition, the underwriters have to assess the extent and severity of the dis...
When underwriting this condition, the underwriters have to assess the extent and severity of the disability and include any other complications such as epilepsy or mental impairment. In all cases, medical evidence should be obtained in the form of a GP report. From this evidence, it should be possible to obtain full details.
Life cover can, in some cases, be offered at standard rates, and would apply to clients with the mildest form of cerebral palsy - whereby, for example, the sufferer walks unaided and is independent. However, for patients with severe symptoms such as mental retardation or being wheelchair-bound, the individual would be declined. Some cases that fall in between can be considered, for example, when epilepsy may be a feature - however, the rating will vary depending on the severity.
Critical illness cover, again, can be considered for mild cerebral palsy, however, a rating would normally apply. Loadings will also be applied for additional features such as epilepsy. Again, for wheelchair-bound sufferers and individuals affected with mental retardation, this benefit would normally be declined.
Income protection cover, in most circumstances, would be declined, however, there are cases that may be considered. In these instances, a minimum deferred period of 13 weeks may be allowed and only individuals with the mildest form of cerebral palsy would be considered.
