Page 49 - N&V Winter 2019

South London

In may the south research into Lupus and Sjogren’s Round Table group discussions on patient
london lupus group syndrome?’ Professor David Isenberg, opinion of heart disease risk led by
held 'The world Director of the Centre for Rheumatology Dr Coziana Ciurtin and other researchers.
lupus Day Ask the Research, introduced the days’ activities In addition, the topic of patient opinion on
expert session for giving us the opportunity to talk directly treatment was moderated by Dr Chris
Open lupus with researchers and doctors about Wincup and another team of researchers.
Questions & research being performed at the centre. The questions were designed in the
Answers' headed by our Patron. Rheumatologist Dr Liz Jury and Researcher knowledge of not all treatments working
Consultant rheumatologist Dr Arvind Kaul, Elvira Chocano Navarro were billed to for everyone, with the possibilities of side
the Head of rheumatology and lupus share what happens in laboratories when effects in some. The aim being to address
Patient Care at st. George's Hospital, who you consent to being involved in a study. Ms possible ways of overcoming the difficulties
is also the Host/speaker of the upcoming Navarro talked us through the video of in predicting outcomes and identifying risk.
medical Patient-Focused lectures on the ‘What happens to your blood?’ filmed The Annual Children's Fun Day Spectacular
next saturday mornings of 27th July 2019, inside the laboratory, Dr Ines Pineda-Torra in support of LUPUS UK took place on
7th september 2019 and 30th November and Dr Anastasia Kalea presented ‘Heart Saturday 13th July in South London. All the
2019. Please do come along, there are disease in lupus patients’, Dr Chris Wincup effort and
refreshments provided and the opportunity talked about ‘Fatigue in lupus’, Dr Thomas work put in
to have informal chats with other lupus McDonnell discussed ‘Complement and over the years
patients. For more information see the lupus’ and Ms Lucia Martin Gutierrez by Charlene
events section of the luPus uK Facebook closed the presentations with her latest Nkum, her
page and look out for post announcements research into Sjogren’s Syndrome: looking family and
or email southlondonlupusuk@live.co.uk. for new therapies. Freshly made friends is
sandwiches and salads were provided for
uClH PPIe event lunch during the Poster Session that very much
In June University College London UCL included ‘Diet and Lupus: What do Patients appreciated.
Rheumatology Research held a Patient and Think?’ by the Jury Lab at UCL. A summary
Public Involvement and Engagement (PPIE) of the research by Researcher George
event, entitled ‘What happens to your Robinson is in a report on the LUPUS UK
blood after you agree to take part in website www.lupusuk.org.uk/diet- Laura Sinnett
research? How can you help influence research-paper-summary/ There were

Obtaining Life Cover in Difficult Circumstances

There are a variety of circumstances under which obtaining life insurance can become rather
difficult, if not seemingly impossible.

Whilst the vast majority of individuals can insurance providers full stop. This is just to consider application after a
acquire cover relatively easily through the simply not the case. It cannot be stressed “deferred” period - a named period
traditional routes, those afflicted with enough how differently risk is perceived of time or after a medical test/
particular medical conditions, specifically throughout the insurance industry; where consultation has taken place.
less common and more obscure ones, can one company may not be willing to insure, • Excluded - offer life cover excluding
often find themselves shut out before they there is always the possibility that another cover for a specific condition/s.
have even started. The main reason for this may be prepared to offer terms. Declined - no cover offered.
is due to the initial process of underwriting Through developing relationships with •
which is typically undertaken by the senior underwriters at a variety of It should be stressed however, that every
majority of insurance providers. This is insurance providers it is evident to us that case is viewed individually and the
often in front of a junior underwriter or a risk is not a constant throughout. underwriting decision purely depends on
computer and whilst timesaving for most, the medical information supplied by
can often prove detrimental for others. There have been a number of occasions yourselves and detailed in a GP report
when clients have been referred to us from your doctor.
Many people will find themselves in a because they could not obtain life
“computer says no” scenario, where they assurance and we have been able to place We offer a free consultation to discuss your
are simply rejected as they do not fulfil the the cover required. life insurance requirements. So please feel
criteria 100%; for example, a particular free to contact us to discuss your life
element of their past will be flagged by an There are five distinct outcomes for any life insurance requirements with our friendly
automatic system and a computer cover application, these are as follows: team and let us see how we can help you
generated rejection letter will be produced. • Accept - on standard terms. and your family.
In cases like these, there is an innate lack of • Rated - The insurer has “accepted” the
ability for the insurer to view the individual application; however they have
and their medical history as a whole; and it applied an additional premium on top
is here where we can offer help. of the current premium. This is known
In many cases, people feel that if they are as a “rating”.
initially rejected by the “well-known • Defer/postpone NlP Financial management
268Cd - Currently will not
brands” they will be rejected by all accept the application, but may look www.nlpfm.co.uk - 020 7472 5555
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luPus uK NEWS & VIEWS SUMMER 2019