DREADED DISEASE COVER NON EXISTING BE AWARE!!

Four words: STAY AWAY FROM LIBERTY!!

This e-mail was sent to Liberty on 27/02 I am still waiting on a response….

1. See below information with regards to SLE Lupus as I realised that Liberty does not have nearly enough information to even begin to understand this chronic illness, perhaps if more research is done, Liberty will be able to assist and support their clients better. SLE Lupus is not covered by Liberty as a dreaded disease if you listen to all their excuses and reasons why they do not pay out claims related to SLE Lupus.

https://academic.oup.com/rheumatology/article/45/suppl_4/iv39/*** https://www.hss.edu/conditions_top-ten-series-lupus-heart-conditions.asp

But how I currently see it – Liberty is doing everything in their power to not honour a claim and or stand up to promises made. They will not insure any new clients diagnosed with SLE Lupus, but will find any excuse not to pay out any claims.

I wish I can put my financial advisor or you as the assessor in my body for just a month or maybe just a week as symptoms are so unpredictable. During flare-ups, symptoms are so much worse! Well just think about it – not being able to get out of the bed at night to use the bathroom, I have so much pain in my hips sometimes I have to crawl. Or just imagine your whole-body shivering from pain and fever because you were exposed to the sun. Not being able to get a full day’s work done because your headache is so bad and your joints are so sore and stiff that you have to go home and rest, you then hope when you wake up, all pain is gone and better, but you know what then this not the case and tomorrow and the day after you have the same challenge over again and sometimes you wake up having worse symptoms. Sleep does not help the fatigue I sometimes experience. Have you had a conversation with someone or a client and during the conversation you suddenly cannot remember the person/ clients name and what you were talking about, the embarrassment, you know even this happens to me and is part of my life with SLE Lupus – brain fog is common under SLE patients. I currently have ulcers in my mouth, have had for over a week now, I am not able to eat and drink soup, tea and water through a straw. I am also not able to drive some days as I have blurred vision , which means I cannot see properly or see at all especially during a flare up. This is not only unsafe for me, but for the other road users as well??? When I decided to take out a policy with Liberty, I did it to have peace of mind, assurance that should heaven forbid I have some sort of illness or die one day, that I will be covered which now seems not to be the case at all.

I have been diagnosed with SLE Lupus (and IBS and Fibromyalgia), documentation completed by doctors who confirmed the diagnosis and symptoms, even tests and letters from doctors confirm how Lupus has influenced my daily activities and life. Do you know what one of the specialists said about Liberty – they said you have to be with one foot in the grave and half dead and just be able to breath, before they actually consider paying out your claim….but then my financial advisor told me Liberty looks after their clients, I have been paying my policy for 13 years and Liberty recently paid out a claim to a lady who went for a back operation and is just not able to lift boxes at work? Now my question and challenge to Liberty is to compare not being able to lift boxes to SLE Lupus and before I forget, secondary fibromyalgia and the challenges I have to face on a daily basis (although I am not able to lift boxes anymore too) – there is absolutely no comparison!!!

Instead internal e-mails between one the of managers and the claims manager refer to my claim and queries as a saga and also that my condition (probably) is impacting my expectation of what I believe to be “good service" as he put it! Well know I also just know now exactly how Liberty feel about their clients too…….!!