Hi Rooftile,

It seems like you’re both stressed out and concentrating on this relatively insignificant insurance issue rather than the elephant in the room which is that you have a scary cancer diagnosis! Subconsciously, it is probably far easier to argue over an insurance claim than it is to talk seriously together about what’s really worrying you both.Take a breath, step back and look at the facts. Emotionally you may be in different places. One half of a couple is often in denial for longer than the other half, takes time to resolve. We can say all the right things but our hearts and minds aren’t always on the same page.

It is highly unlikely that the insurance company will actively block your claim because you misspoke on the phone. If challenged, all you need do is point out that you were stressed and had misunderstood the question. Any reasonable person would accept that there is no relationship between a blocked milk duct and breast cancer - except for the general location of the medical problem. 

The next stage of their process will be for them to request access to your medical records and to write to your GP. That will provide clear evidence that your cancer history doesn’t predate you taking out critical illness cover - which is the only thing that might legitimately prevent them paying out on your claim.

It is pretty normal for couples to bicker over relatively minor issues when something far bigger is hanging over them. He’d probably be horrified to know you’d even think he’d divorce you over this. 

Try not to stress over this issue and do your best to enjoy Christmas and New Year together. 

Best wishes
Dave 

Hi Rooftile,

It seems like you’re both stressed out and concentrating on this relatively insignificant insurance issue rather than the elephant in the room which is that you have a scary cancer diagnosis! Subconsciously, it is probably far easier to argue over an insurance claim than it is to talk seriously together about what’s really worrying you both.Take a breath, step back and look at the facts. Emotionally you may be in different places. One half of a couple is often in denial for longer than the other half, takes time to resolve. We can say all the right things but our hearts and minds aren’t always on the same page.

It is highly unlikely that the insurance company will actively block your claim because you misspoke on the phone. If challenged, all you need do is point out that you were stressed and had misunderstood the question. Any reasonable person would accept that there is no relationship between a blocked milk duct and breast cancer - except for the general location of the medical problem. 

The next stage of their process will be for them to request access to your medical records and to write to your GP. That will provide clear evidence that your cancer history doesn’t predate you taking out critical illness cover - which is the only thing that might legitimately prevent them paying out on your claim.

It is pretty normal for couples to bicker over relatively minor issues when something far bigger is hanging over them. He’d probably be horrified to know you’d even think he’d divorce you over this. 

Try not to stress over this issue and do your best to enjoy Christmas and New Year together. 

Best wishes
Dave 

Thanks for the reply Dave, I think we are better here. 
I may just hold on tight till new year. I really hope they pay out, it’s so hard having two of us with appointments and treatments. Juts so unbelievably hard. Thanks again.

No worries - if they mess you about, get some legal advice from Citizen’s advice, MacMillan or the ombudsman’s office. 
You are not alone in this - nor the first to make a similar claim. 
I know that feeling well. On the day I was diagnosed with cancer (and given a lousy prognosis) my wife was told that her emergency brain surgery had been successful. If I’d read than in a novel, I’d have said it was far fetched and unbelievable. 

Have a great Christmas together.

All the best
Dave

Jesus **** Dave, sounds like our lives. I really hope I haven’t messed this up. I hope you are doing better. I am juts happy to be here. That’s how I have to think. ️:)

Not pushing up daisies is far better than the alternative :-) 

I wanted to reply to this. They paid out today. So so happy. Argh was a stressful wait. I just wanted to put this here in case someone googles in worry they can see it all came good.  

Great news!