Insurance Options for Charcot-Marie-Tooth Disease


If you’ve been diagnosed with Charcot-Marie-Tooth (CMT) disease and want adequate life insurance for your condition, Special Risk Managers might be able to help you get it. We’re specialists in getting insurance coverage for clients with special medical conditions or those in situations that most standard insurance companies would normally turn away from.

Whether you’re looking for life insurance, TPD insurance, trauma insurance, or income protection, we’ll help you find options for protecting you and your family’s future.

Call us today on 1300 665 356 to get started or send an enquiry to info@specialriskmanagers.com.au to find out more.

 

Challenges of Getting Life Insurance with Charcot-Marie-Tooth Disease

CMT, also commonly known as Hereditary Motor and Sensory Neuropathy (HMSN), is a neurological disease that affects the body’s motor and peripheral nerves. It is also the most commonly inherited neurological disorder today.

But although Charcot-Marie-Tooth (CMT) disease is a fairly common condition, it frequently goes undiagnosed. It shares similar symptoms with several medical conditions, making it difficult to diagnose immediately in many cases. There are also over 50 types of CMT (CMT is actually an umbrella term for more than a single disorder), with varying causes and levels of severity. This often makes it difficult – or tedious, at the very least – to find appropriate life insurance coverage for this condition.

Aside from this, there is also no known cure for CMT at the moment. Those who’ve been diagnosed with CMT will have it for life, making it a definite risk factor in the eyes of many standard insurance providers.

Perhaps the biggest challenge with CMT, however, is that it’s typically a progressive disease – that is, it tends to get worse over time. With CMT, what starts out as a minor condition could turn into a debilitating disease several years later. Given its unpredictable nature and potential impact on a patient’s life, getting adequate insurance coverage for this condition can be problematic, especially as the condition worsens.

Despite these challenges, it’s still possible to get appropriate life insurance coverage for CMT. You simply need to work with the right specialists and the right insurance company to find it. And that’s exactly where Special Risk Managers come in – we are experts in obtaining life insurance for clients who have had difficulty obtaining it in the past.
 

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Charcot-Marie-Tooth Disease in Australia

According to Charcot-Marie-Tooth Association of Australia (CMTAA), researchers estimate that 1 in 2,500 people in Australia have CMT. Because CMT is a progressive disease, CMT often affects different aspects of a person’s life, especially if he/she has had it for several years.

Some of the most common symptoms of CMT that can affect a patient’s daily life include:

– Weakness in leg muscles, feet, hands, or arms

– Numbness in the feet

– Diminishing motor skills

– Loss of balance

– Abnormalities in the feet

– Loss of strength in the hands

The good news for those with CMT in Australia is that significant progress is being made for the treatment and management of this disease. There are also a variety of commonly accepted techniques for managing CMT symptoms. This includes taking appropriate medication to counteract the effects of muscle or nerve damage, physical therapy, occupational therapy, and the use of orthopaedic equipment to assist mobility.

There are also associations like the CMTAA that provide support and information on how to manage symptoms and live with CMT.

 

Why Choose Special Risk Managers to Secure Insurance for Your Condition

Given CMT’s unpredictable and ambiguous nature, getting appropriate life insurance is often a big challenge. And even if you do find an insurance provider willing to cover this disease, you won’t necessarily get the coverage you want at a price you can afford to adequately protect you and your family’s future. But at Special Risk Managers, tackling this problem is what we do best.

Special Risk Managers specialises in helping clients get insurance coverage for serious medical conditions, especially those that most standard insurance companies usually don’t consider. If you’ve been finding it difficult to get life insurance for CMT or simply don’t want to go through the difficulties of finding the right insurance provider, Special Risk Managers can help.

Over the years, we’ve developed a strong network of insurance advisors and insurance providers that allow us to quickly find the right life insurance plan for our clients. We have extensive experience helping clients get the insurance coverage they need, whether it’s income protection and TPD insurance for their condition or a comprehensive life insurance plan.

At Special Risk Managers, we will try help you find your options for life insurance no matter your condition or situation in life.

 

Find Life Insurance for Charcot-Marie-Tooth Disease

Charcot-Marie-Tooth disease may be a non-life threatening condition, but it can also be a debilitating disease if it becomes severe enough. If you’d like to protect yourself for the future and minimise its impact on your life, it’s best you get a comprehensive life insurance plan to cover you and your family. With the right life insurance in place, you can live life more confidently and spend less time worrying about what to do if your condition becomes worse.

At Special Risk Managers, we’ll try and help you get the life insurance you need to cover different aspects of your life. From full life insurance plans to income protection and TPD insurance to protect you in your work, our team will help you get the level of protection you’re looking for.

Call us on 1300 665 356 to find out how we can help you. Alternatively, you can also send any enquiries to info@specialriskmanagers.com.au if you’d like more information about what we can do for you.

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