Frequently Asked Questions

Total Permanent Disability insurance covers you if you are unable to work or carry out daily living tasks. It normally pays the full sum assured directly to you.

A Total Permanent Disability pays out on your ability to work or carry out daily living rather than the condition you have been diagnosis with. As long as your permanently unable to do those tasks/work you should receive a payout.

One of the most common reasons for a Total Permanent Disability claim being rejected by an insurance company is that there is no definitive proof that the claim is “permanent” in nature or that the treatment for the condition has not yet finished. In other cases, insurance companies may argue that your TPD does not preclude you from doing ‘any’ occupation rather than a ‘suited’ occupation.

A common complaint we see is Total Permanent Disability claims being denied due to insurance companies asking for unreasonable amount of certainty around the permanency of a condition. Some conditions require lifelong treatment and are unlikely to get better. Insurance companies rejecting claims due to ongoing treatment is completely unreasonable. People cannot be asked to hang on indefinitely while struggling financially. If you feel that an insurance company has unfairly rejected your claim speak to us right away for free information and guidance.

The ABI* confirmed on May 2021 that almost 35% of all Total Permanent Disability claims are rejected. That’s over £14,000,000 per year. * View ABI figures

Insurance companies will often try to say to people that their condition means that they cannot do their job again, but it doesn’t mean they can’t do “any” job again. We have seen bricklayers been told they can work in an office and Doctors told they could do a less stressful job. Any occupation actually means “any suited” occupation. Resolute Claims are successful in challenging these types of decisions and overturning declined insurance outcomes.

Multiple Sclerosis (MS) can be a debilitating condition. You will often be successful claiming under the Critical Illness part of your policy. If you had a rejected insurance claim after being diagnosed with MS, Resolute Claims can help.

We receive lots of enquiries where people have been through a traumatic experience while trying to claim on Total Permanent Disability cover after living with Myalgic Encephalomyelitis (ME) for some time. Often insurance companies will dispute medical evidence, ask for more time to see if a certain type of treatment will work or even disbelieve the severity of your symptoms. The impact of conditions like ME shouldn’t be understated, as it can be debilitating and often requires lifelong treatment. This can be in the form of CBT sessions to help cope with your illness or pain medication. Resolute Claims are experienced in helping people with ME get a Total Permanent Disability Insurance pay-out.

Fibromyalgia is a similar condition to CFS and ME and a person can often have multiple diagnoses. Often insurance companies will dispute medical evidence, ask for more time to see if a certain type of treatment will work or even not believe your symptoms are not as severe as you say they are. A diagnosis of Fibromyalgia can have a huge impact in people’s lives, as the condition can be debilitating and often requires lifelong treatment. Treatment can include CBT sessions to help cope with your illness or pain medication. Resolute Claims are experienced in helping people with Fibromyalgia get a Total Permanent Disability Insurance pay-out.

CFS or Chronic Fatigue Syndrome is a similar condition to Fibromyalgia and ME and a person can often have multiple diagnoses. Often insurance companies will dispute medical evidence, ask for more time to see if a certain type of treatment will work or even not believe your symptoms are as severe as you say they are. CFS can have a huge impact in people’s lives, as it can be debilitating and often requires lifelong treatment. Treatment can include CBT sessions to help cope with your illness or pain medication. Resolute Claims are experienced in helping people with Chronic Fatigue Syndrome get a Total Permanent Disability Insurance pay-out.

Arthritis can be a debilitating condition that is often chronic. The treatments available for Rheumatoid Arthritis (RA) are extensive and often require steroids and biological treatment. Insurance companies frequently ask medical professionals for an unreasonable amount of certainty that the condition is “permanent”. This can often cause delays and we have seen cases of up to four years to make a decision.

To make a claim on your Total Permanent Disability insurance you will need to contact your policy provider. Claims can take a long time, especially if you have recently been diagnosed.