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Taught the Insurance Company a Few Lessons.

It has been a while since I have given an update with my fight against the insurance company in regards to their blatant discrimination against the girls with their trauma insurance.  For those who are not up to date, scroll down my blog page and you will see the previous updates.

I have to admit it had been a while since I had heard from either OnePath Insurance which honestly is pretty slack on their part or from my finance manager.  However I did know that he was going to go speak to higher levels of ANZ about this problem.

Well, I have had taught the insurance company a few lessons in regards to individuals with autism.  I was expecting them to still say no we are not going to cover them but I will insure the girls with their trauma policy.

However, the win does not just stop there and I will continue to make sure that this occurs but they are actually going to change their exclusions and no longer will lump children under the one umbrella.  I am going to research all insurance companies who offer child trauma insurance policies and I will make sure that this does not happen to families again.  Plus I am going to take the next step, of sending information to finance managers who offer these policies so that they too can fight for their clients.  If it wasn’t for James from ANZ having a child on the spectrum, I do not think I would have won this fight.  All I have to do is provide them with their school report which honestly I am not sure what the point is but I am happy to show them their achievements.

There is absolutely no reason for children to be excluded from trauma policies and this discrimination really needs to stop for good.  I will keep updating my progress on this issue.

 

I Regret Getting The Diagnosis

depression I never the I regret getting the diagnosis.  No parent wants their child to be unwell in anyway.  But I knew we had to get the girls the right help so that they can be successful in life.

I still remember sitting in the car with my husband before our first appointment with the psychologist.  I had lots of written notes on behaviours that they were doing.  I do remember thinking to myself what if it is all in my head?

Are we doing the right thing?

I remember sitting there fiddling with the paperwork convincing myself that this was the right thing to do.

Even when we battled the crèche where Grace attended for evidence and their lack of knowledge of child development, I did not think twice about what we were doing.  I was told many times that Grace did not demonstrate the behaviours at crèche but all you had to do was watch her and she demonstrated all of them.  It became very clear when the psychologist said to pull Grace out and the Director saying that they could not look after Grace’s needs just because of her diagnosis.

Although the choices were always hard and challenging at times, Steve and I kept hunting for services that would help develop Grace and Emma into the girls they are today.  With their diagnosis they have received fantastic assistance at Keilor Park Preschool and Keilor Heights Primary School.

It was only now with our battle with an insurance Company, OnePath, that I felt for the first time that I regret getting them diagnosed.  So many company’s think that they can discriminate against individuals with additional needs and illness just because they are simply uneducated.  It was a slap in the face knowing that because of their diagnosis, they have been denied trauma insurance.  Is this their future?

That afternoon when I picked them up from school, all I could do was look at their faces and think what have I done?  What kind of future were they going to face just because of some label.  I put aside everything that night and just spent the time with them.  Emma and I played some tennis and all I could think of was that company was making them sound like they couldn’t even play tennis.  I sat on the floor and Grace came and sat on my knee.  The pain etched on Steve’s face was also evident.

But I knew that no matter what some uneducated insurance company thought, getting the right assistance gave the girls the opportunity to thrive in life.  I will never let anyone discriminate against them.  We should all stand up to these insurance companies and say enough is enough.  We should not accept it.

Never again will I regret getting the diagnosis.

If you need someone to talk to at anytime, I have set up a service so that you have someone to talk to at anytime.  So many parent’s do not have anyone to talk to and my Support Program for Families with Austism and Sensory Program will always be there for you.

Discrimination At Its Worst

PART 3

This is discrimination at its worst! If you have not read the first two sections, read Part 1 here and Part 2 here

IT’S TIME FOR INSURANCE COMPANIES TO STOP DISCRIMINATING AGAINT INDIVIDUALS WITH ASD!!!!!

The under writer gave me a call and he started the phone very confident (I think he took the approach) of making it sound that they were not going to cover the girls with trauma insurance because of their medical history.  I once again asked which of the girls medical doctors they contacted and he said that they don’t call them. The under writer stated that just because they didn’t cover them for trauma insurance now, they would relook at it when they are 18.  That gave me a very quick look at what the girls will be in for at 18 years of age.

By this stage, he was sounding pretty confident in what he was saying until………………… I asked why.  Now I would suggest you hang on to your seat for his reason as I am sure anyone could pull this reason apart.  He stated that he could not cover the girls in trauma insurance is because “they could not predict how the girls with develop neurologically, developmentally, behaviourally up till the age of 18.”

The first set of questions that I asked was which traumas are caused by Autism (I seriously thought I missed something).  I asked him does Autism cause:

  • Brain tumours and cancers?
  • Heart attacks?
  • Brain conditions?
  • Meningitis?
  • Blindness?
  • Deafness?
  • Mobility conditions?
  • Blood disorders?
  • Body organ conditions?
  • Severe burns?
  • Coma?
  • Diabetes?
  • Terminal Illness?

Will you be surprised that the answers were NO?

I asked him when can anyone possibly say how a child will develop physically, neurologically or behaviourally up to the age of 18?

I asked him what scientific evidence did they have to prove their reasoning?  No answer.

I asked him what scientific evidence did he have that autism causes the traumas?  None.

I asked him what evidence do they have in regards to the benefits of early intervention?

I asked him what evidence do you have in relation to the differences between girls with autism and boys with autism?

I asked him are you even talking about my daughters as individual applications?  Um no because we don’t know how to predict how anyone of them grow developmentally, neurologically or behaviourally.

So I wanted a clear picture, I said so you are lumping them all on some severe picture of Autism.

IT’S TIME FOR INSURANCE COMPANIES TO STOP DISCRIMINATING AGAINT INDIVIDUALS WITH ASD!!!!!

I am going to leave this post where it is because my hands are shaking and I can feel my anger rising.  This is discrimination at its worst for individuals with Autism.

It’s Time For Insurance Companies to STOP Discriminating!

IT’S TIME FOR INSURANCE COMPANIES TO STOP DISCRIMINATING AGAINT INDIVIDUALS WITH ASD!!!!!

PART ONE

We have been tidying up our superannuation, life insurance for the last couple of months and the banks finance manager who has been helping us with the applications suggested that we also apply for child trauma insurance.  We thought how fantastic this would be because we knew two children who had recently been diagnosed with cancer.

IT’S TIME FOR INSURANCE COMPANIES TO STOP DISCRIMINATING AGAINT INDIVIDUALS WITH ASD!!!!!

The process for me to apply for life insurance was beyond a breech of privacy.  I admitted all of my medical history and believe me, these insurance companies think that they need to have more information than the government.  I admitted depression, my Drs (the professionals) also stated it and said that I had recovered.  But they think that they needed to actually have session notes.  What an absolute invasion of privacy.

IT’S TIME FOR INSURANCE COMPANIES TO STOP DISCRIMINATING AGAINT INDIVIDUALS WITH ASD!!!!!

I never expected what they would do to the girls.

IT’S TIME FOR INSURANCE COMPANIES TO STOP DISCRIMINATING AGAINT INDIVIDUALS WITH ASD!!!!!

I expected that they would put loading onto me but I was horrified when they wanted to know more about my daughters Autism.  I gave them the official document that the government accepted for their funding packages and refused any more information.  Thank goodness, we have a fantastic finance guy, who actually has a son with Autism who gave them the same message

IT’S TIME FOR INSURANCE COMPANIES TO STOP DISCRIMINATING AGAINT INDIVIDUALS WITH ASD!!!!!

You are probably not surprised at this stage at all as it is all too common but wait to further parts in coming days as there has been a lot of tears, swear words, regret and determination.  Keep updated in this running battle which will never end in further parts.  If an individual with Autism has been discriminated against, I would love to hear your story through my email info@coachingforlifetimechange.com.au.

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