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Ex Refusing to Sign Critical Illness Doc - wants 50%

Crackered
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Last month I was diagnosed with grade 3/stage 2 breast cancer.

I had critical illness cover still in place with an ex partner but he is now refusing to even sign the paperwork unless I give him 50% of the payout. I have contacted the insurance company (Legal and General) who have been little help, saying they won’t pay up without his signature. 

Morally, ethically, this obviously feels so wrong. The treatment has already left me unable to work, I have been lucky enough to be placed on a research trial but the treatment is intense -

chemo every two weeks for 8 weeks, then chemo every week for 12 weeks (with hormone therapy added in every three weeks), surgery, and 30 weeks of hormone therapy and then obviously reconstructive surgery. 

The full payout isn’t enough to clear my mortgage but it would have allowed me to take a year off and concentrate on getting better without any financial worries. My new partner has taken at least two months off to care for me (picked much better this time around...!)

I’ve been contacting Solicitors this morning for advice, most wriggle away saying it’s not really their area of expertise but one has kindly agreed to go through the policy detail for me. Fingers crossed.

Does anyone out there have any experience of this and can offer any advice?

Parents
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    Hi Crackered,

    So sorry you're going through this.  I was feeling really angry at him and just couldn't believe someone could be so cruel.  But then I read your second post and I take it from that there can be no other payout in the future?  i.e. if he goes on to develop a Critical Illness he cannot get any payout because the insurer has already paid out due to your illness?

    If that's correct then while it's still awful for you I can understand that in the future he could be left in a very difficult financial position if he gets ill.  Of course I might be misunderstanding your insurance, maybe it pays out once for each named person on the policy?

    I'm not sure I can give you helpful advice because it sounds, IF I've read your second post correctly, like you weren't properly advised by your broker or insurance firm when you took out the insurance.  I would certainly be contacting the Association of British Insurers if you're sure you were never told that this situation could arise, as it may be that the insurer can be forced t retrospectively amend the policy a bit.  Worth a shot?

    Let us know how you go.

    LJx

  • Offline in reply to TwinTwo

    It's disgusting that your ex is financially blackmailing you but perhaps look at it from his point of view. If he has paid 50% of the insurance policy yet he won't be able to claim in the future (if only one claim is allowed) he may be feeling badly done to and, should he find himself fall ill he will have no safety net to fall back on. 50% of something is better than 100% of nothing and solicitors will eat into anything you may get. Do you have a good friend who can sit down with you both & try & come to an agreement that is acceptable to you both? 

    Good luck

    Angie x

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  • Offline in reply to TwinTwo

    It's disgusting that your ex is financially blackmailing you but perhaps look at it from his point of view. If he has paid 50% of the insurance policy yet he won't be able to claim in the future (if only one claim is allowed) he may be feeling badly done to and, should he find himself fall ill he will have no safety net to fall back on. 50% of something is better than 100% of nothing and solicitors will eat into anything you may get. Do you have a good friend who can sit down with you both & try & come to an agreement that is acceptable to you both? 

    Good luck

    Angie x

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