Parkinson's disease is a chronic, degenerative disorder of the brain and spinal cord that impairs motor skills, speech and other functions. It usually affects people over the age of 50. The main symptoms are tremor or trembling in hands, arms, legs, jaw and face; rigidity or stiffness in the limbs and trunk; slowing of physical movement and impaired balance and coordination. Medication can relieve some of the symptoms but is not curative at present. Parkinson’s can be classified depending on the symptoms.
|Classification of Parkinson's disease|
|Mild||Minimal localised tremor only i.e. confined to fingers, no rigidity, no or minimal progression and no treatment is required.|
|Moderate||More widespread tremor, slight rigidity, no or minimal disability, self-reliant, slow progression and a good response to treatment is shown.|
|Marked||Widespread tremor, moderate rigidity, greater disability but no reliance on others, slow progression, good response to treatment.|
|Severe||Intellectual deterioration, dementia, severe disability or rapid progression.|
What information should my client provide?
Your customer should complete General medical disclosure fast-track questionnaire.
The number of Irish people with Parkinson’s disease is expected to double over the next 20 years.
Approximately 12,000 people in Ireland currently have the disease.
Likely Underwriting Acceptance:
|Life Cover||Specified Illness Cover||Income Protection|
Please note that likely acceptance terms are indicative only and cases are subject to full underwriting.