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Massive Win Against an Insurance Company

IT IS TIME FOR INSURANCE COMPANIES TOIt is fantastic to share with you all our massive win against an insurance company.

It has been a long journey with the insurance company to provide the girls trauma insurance.  I still cant believe we had to battle to get trauma insurance for the girls.  It has definitely been a journey and many times I have felt like telling them to go F*ck themselves.  But I knew if I did that then there would be no win for families with autism.

But the fantastic is news is that

WE WON!!!!!!!!!

The girls now have trauma insurance.  But what does that mean to other families?

Well the exciting news (but don’t worry I will keep up to speed to make sure that these changes occur) but they were totally taken off guard by all my questions.  Considering they are meant to have current statistics on Autism, they were only relying (kind of) on the DSV – 5.  Before the change of diagnosis they had two categories either Autism which is low functioning and Asperger’s which is high functioning.  But with the change with the DSV – 5 and no Asperger’s diagnosis, they just simply lump ALL children who have been diagnosed with Autism on the Spectrum no matter what.

Until now…………………………………After my very vocal phone call (they won’t ring me back because they think I am scary lol) and after the ANZ finance James fighting with us, the medical under writers have realised that they have made huge error.  They have come to realise that not all children who are diagnosed with Autism are low functioning.  This is still an area that I want to continue to fight for because in this case we are still only talking trauma.  An individual with severe autism is no more susceptible to cancer than a high functioning autism.  But they have new policies coming out in the next few months and they are going to make sure this area is fixed.  What is even better is that these medical under writers cover most insurance companies so all of their policies will also change.

The ANZ has taken this even further with James training other financial consultants on how they can help families with children on the spectrum.  The ANZ has been fantastic to work with for my family and I am also very appreciative that the insurance companies are also making changes.

I will not give up the fight.

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.

Blatant Discrimination Against Individuals With Autism

Part 2

I can not believe the blatant discrimination against individuals with autism by the insurance company. If you have just come across this post you might like to go to:

PART 1

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

The Finance Manager felt once we sent that information, we should have no issue with getting this cover for the girls.  He was happy knowing that the medical officer was going to deal with the situation.  Time of course went past and I had actually slightly forgotten about it all.  Until we got a letter in the mail.

We were told that the girls could not be covered for trauma insurance because of their medical history.  Not only that, I had to give them a doctors details so that they could send a letter to my doctor.  I was astounded to say the least!

So I decided to play dumb.  I rang the insurance company and asked them which doctor they contacted if they had their “medical history”.  I was told that they DO NOT actually call the doctors with the children.  But I said, you have claimed you have their medical history which has denied them trauma insurance.  I asked them what did they find out that the girls had in their medical history that I did not know about.  The person replied that they only have Autism.

So I questioned so which trauma is caused by Autism?  The person said none but he isn’t involved in the underwriting.  So he promised me that he would have an underwriter contact me the following day as he saw what I was saying.

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

At this stage I thought maybe this might be ok as he saw what point I was making.  I then contacted the financial planner and he also was blown away that the girls were denied.  He said he will follow it up with the insurance people.

I then rang Amaze Victoria (Autism Victoria) who were also blown away by the situation but sadly knew this story all to well.  She suggested ringing The Victorian Human Rights Commission and a couple of other agencies for their advice.  The Human Rights Commission Disability explained that I could make a written complaint against the insurance company and they could help mediate with the insurance company.  I said to them I would wait and see what the company said when I spoke to the insurance company.

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

Part 3 will be out very soon as you will here the real reason for denying the girls trauma insurance and it only gets worse.  This could be a hard post to write as I am still feeling upset about it when I think about it.  If you have been discriminated against by an insurance company in relation to Autism, I would love to here at info@coachingforlifetimechange.com.au.

 

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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