Hi folks,
been a while since I had a question for this form but recently my wife had an accident in which she broke her neck. Thankfully, she is ok and well on the road to recovery. My question is around the Living cover we have on our Life Insurance. Under the terms & conditions of our policy we entitled to a % of our living cover due to the injuries suffered by my wife. The insurance company have returned our claim saying that because my wife signed a waiver with regard to an ongoing back injury she had at the time we took out the policy she is not entitled to make any claim. My questions are as follows:
1. Is the Neck considered part of the back. Is this just an insurance thing
or a medical thing ?
2. As the waiver states nothing about broken bones, the spinal cord/canal
do we still have a valid claim?
We have a meeting with her consultant next week but any info in the mean time would be greatly appreciated.
been a while since I had a question for this form but recently my wife had an accident in which she broke her neck. Thankfully, she is ok and well on the road to recovery. My question is around the Living cover we have on our Life Insurance. Under the terms & conditions of our policy we entitled to a % of our living cover due to the injuries suffered by my wife. The insurance company have returned our claim saying that because my wife signed a waiver with regard to an ongoing back injury she had at the time we took out the policy she is not entitled to make any claim. My questions are as follows:
1. Is the Neck considered part of the back. Is this just an insurance thing
or a medical thing ?
2. As the waiver states nothing about broken bones, the spinal cord/canal
do we still have a valid claim?
We have a meeting with her consultant next week but any info in the mean time would be greatly appreciated.