| ME, also known as chronic fatigue
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| | knows all too well what effect ME has on
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| syndrome, is a recognised illness.
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| | peoples lives, but Swiss Life has used
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| However, some of the big health insurers
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| | the evidence as proof of her being active
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| see it quite differently, as the case of
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| | and mobile. They also have other
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| Miss A demonstrates.
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| | criticisms of Miss A which has enabled
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| Miss A has been living with ME for eight
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| | them to successfully deny her claim; for
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| years, an aggressive form which has kept
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| | example, they say they have seen no
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| her wracked with pain and completely
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| | long-term evidence of her inability to
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| unable to work and support herself.
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| | work. They also say that she resisted
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| Living on benefits totalling 180 a week,
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| | rehabilitative treatment back in 2002,
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| she depends on her boyfriend and family
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| | when in actual fact Miss A was unable to
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| to look after her.
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| | complete the course because she suffered
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| It could have been very different,
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| | a relapse.
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| because Miss A had permanent health
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| | Even a Harley Street doctor and ME
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| insurance through her employer. The
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| | specialist has examined Miss A and can
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| insurer is Swiss Life, and although they
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| | verify that she is suffering from ME and
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| did pay out on her claim at first, they
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| | is deserving of her health insurance
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| decided to stop paying out five years
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| | payments. To no avail with Swiss Life.
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| ago. On the terms of the insurance
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| | The only way that Miss A can win her case
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| policy, she was receiving a regular
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| | is to take it to the Financial Ombudsman,
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| income amounting to 75% of her salary
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| | and they have already said that any
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| then it stopped, and since then, she has
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| | compensation will be limited to a maximum
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| received nothing. She estimates that she
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| | of 100,000. Miss A is not willing to take
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| is already been denied access to 40,000.
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| | the risk, and is distrustful of the
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| So what has Swiss Life got to say on the
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| | Ombudsman. Who can blame her, when she
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| matter? Its not so much what they said,
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| | has been treated so badly so far?
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| but what they DID, that is the real eye
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| | Resolution, the owners of Swiss Life,
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| opener. Showing a distinct lack of
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| | says that they wouldnt stand in her way
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| respect for the debilitating illness,
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| | if she wanted to progress the case with
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| they used covert video surveillance to
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| | the Ombudsman.
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| track her movements and gather evidence
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| | The problem that Miss A is having is
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| to prove that she was not worthy to make
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| | being experienced by many people with
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| the claim. They have used footage of Miss
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| | what insurers deem to be designer
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| A leaving the house to attend a medical
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| | diseases. The insurers think that people
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| appointment, and then going to visit her
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| | are trying to take them for a ride. The
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| Mum, to suggest that she would be
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| | reality is that people are suffering, and
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| perfectly capable of doing a days work.
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| | they are not receiving the payout they
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| This is a view that medical experts have
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| | are due. Those looking to buy a health
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| soundly rubbished, especially as ME can
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| | insurance policy should be absolutely
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| vary from day to day, leaving sufferers
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| | sure that the company has a good attitude
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| able to perform small tasks one day, and
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| | towards diseases like ME, so if the worst
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| then consigned to bed the next.
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| | does happen, you will be covered. Try the
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| Video evidence showing Miss A on her feet
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| | Internet for the cheapest prices, and for
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| would not ever convince a doctor, who
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| | an extensive range of tips and advice.
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