Cystic Fibrosis (CF) is a genetic condition that impacts the respiratory, digestive, and reproductive systems. For individuals living with CF, managing the daily challenges can sometimes lead to a reduced capacity for work and, in some cases, the need for financial support through Total and Permanent Disability (TPD) and income protection insurance claims.
This blog aims to guide those with CF and their families on how these disability insurance claims can help secure financial stability while navigating the challenges posed by this chronic condition.
What is cystic fibrosis?
Cystic Fibrosis is a progressive disease caused by a mutation in the CFTR gene, which regulates the flow of salt and water in and out of cells. As a result, thick and sticky mucus builds up in the lungs and other organs, leading to severe complications.
There is no cure for CF, but advancements in treatments and care have significantly improved the quality of life for many people. These advancements have meant that many people living with CF are able to work and live relatively normal lives. However, CF is still a life-limiting illness that can significantly impact an individual’s ability to work, especially as the disease progresses.
What cystic fibrosis symptoms can lead to a TPD or income protection claim?
While symptoms can vary from person to person, common symptoms of CF that can impact work capacity include:
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Chronic coughing and wheezing
Frequent coughing and wheezing are due to the accumulation of thick mucus in the lungs. This can make it difficult to perform physical tasks, and it may lead to shortness of breath, especially during exertion or at work.
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Respiratory infections
Frequent respiratory infections are common with CF, which can cause fatigue, hospitalisation, and time off work. The body’s immune system is compromised, making it harder to recover from illnesses, which can also result in extended sick leave and the need to avoid large indoor gatherings (as can be present in large office environments).
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Fatigue
Living with CF can cause extreme tiredness, which affects concentration, memory, and energy levels. This makes it challenging to meet work demands and maintain consistent productivity.
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Shortness of breath
Due to lung damage and reduced lung function, individuals with CF often experience difficulty breathing. This can limit physical activity and the ability to perform certain tasks or even attend work regularly.
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Digestive issues and malnutrition
Cystic fibrosis can affect the pancreas, leading to difficulty digesting food, which in turn causes malnutrition. Digestive problems often result in fatigue, weakness, and general discomfort, making it difficult to focus or perform tasks at work.
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Physical limitations
As the disease progresses, individuals may experience physical limitations, including reduced mobility and endurance. This can limit a person’s ability to engage in physically demanding tasks or maintain a high work capacity.
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Mental health challenges
The emotional toll of managing a chronic illness like CF, alongside the physical challenges, can lead to anxiety and depression. Mental health struggles can affect concentration, decision-making, and interactions with colleagues.
How cystic fibrosis affects work capacity
Because CF impacts both physical and mental well-being, it can severely limit a person’s ability to work. The impact can be due to infections causing work absences or the need to avoid other people in public-facing jobs. Also, the fatigue and other physical symptoms of the illness can impact your ability to do your job.
No matter how your CF symptoms limit your work capacity, it may be possible to claim income protection and TPD benefits. If you’re unsure about your entitlements or you’ve lodged a claim and it’s been denied, give us a call for some free advice.
How TPD and income protection claims can help people with cystic fibrosis
Given the significant impact CF can have on an individual’s work capacity, accessing Total and Permanent Disability (TPD) insurance and income protection claims can offer financial relief and security. These insurance policies can help ensure that those affected by CF can maintain financial stability despite the challenges they face.
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Income protection claims
Income protection insurance provides a safety net by replacing a portion of your income if you are unable to work due to illness or injury. For individuals with CF, this can help cover day-to-day expenses during periods of illness or when undergoing treatment. It provides a crucial financial cushion while you focus on managing your condition.
You can rely on income protection benefits on an ongoing basis if you are off work or only able to work in a limited way. Or you can make multiple claims for different work absences if your illness means you have to take chunks of time away from work due to CF.
You can learn more about income protection in our earlier blog, “What is income protection and how do income protection claims work?”
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Total and Permanent Disability (TPD) claims
If your CF progression leads you to be permanently unable to work again in your usual occupation, you should check the TPD definition specific to your super fund and consider a claim.
A TPD insurance benefit can provide a lump-sum payout. This can help you cover medical costs, home modifications, or other expenses associated with managing your condition, ensuring that you’re not left financially vulnerable.
You can learn more about TPD claims in our earlier blog, “Your guide to making a successful TPD claim”.
Final thoughts
Living and working with Cystic Fibrosis is undoubtedly challenging but increasingly manageable with advancements in treatment and more flexible working arrangements. However, if your work is impacted, Total and Permanent Disability (TPD) and income protection claims provide essential financial support to individuals struggling to maintain their work capacity due to the progression of their illness. By understanding the symptoms, how they affect your capacity to work, and how disability insurance can help, you can take proactive steps to secure the financial support needed to focus on your health and well-being.
Get help from a disability insurance lawyer
If you or a loved one has Cystic Fibrosis and is considering TPD or income protection claims, it’s important to seek professional advice to ensure you’re making informed decisions that will help you navigate the future with greater peace of mind. At Berrill & Watson, we provide free initial advice and run claims on a “no win, no fee” basis. So, it costs you nothing to find out where you stand.
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