Myalgic Encephalitis

This is often a chronic, often relapsing condition.  Symptoms include widespread muscle and joint pain, severe mental and physical exhaustion, poor concentration, headaches and sleep disturbance, all of which can be exacerbated by minor activity. No cause has been identified but some viral infections or stresses can often trigger onset. Complete recovery is possible; however there is no recognised treatment other than complete rest.

What information should my client provide?

Your customer should complete General medical disclosure fast-track questionnaire 

Likely Underwriting Acceptance:

	Life Cover	Specified Illness Cover	Income Protection
Under 6 months since diagnosis	Postpone	Postpone	Postpone
Over 6 months since diagnosis – fully recovered with no history of  Depression	Standard Rates	Standard Rates	Standard Rates

Please note that likely acceptance terms are indicative only and cases are subject to full underwriting.