Man of Honour
- Joined
- 21 Nov 2004
- Posts
- 45,997
Shoulder is done in, knee is done in.
Not sure I'll ever bother trying to lift anything substantial again.
A sudden injury or usage over time?
Shoulder is done in, knee is done in.
Not sure I'll ever bother trying to lift anything substantial again.
A sudden injury or usage over time?
Not to derail but just if you're not aware, with your knee and shoulder issues being pre existing, medical insurance won't cover it. So would be self fund only.Shoulder has been a long standing issue although has been relatively ok for the last few years but now feels like it's finally had enough.
Knee is similar it's always felt a little off but never painful since it got stamped on when I was a kid, again it now seems like it's had enough.
I think the jump back from the lockdowns has finally pushed both over the edge.
I've been meaning to sort private medical for a bit so this might be the push to sort that out and then get them both looked at but it just feels like my body is a bit mangled these days, anyone would think I was a pensioner
Not to derail but just if you're not aware, with your knee and shoulder issues being pre existing, medical insurance won't cover it. So would be self fund only.
Knee has never been looked at by a doctor and the last time my shoulder was looked at was 10+ years ago so my understanding is as long as I go for moratorium underwriting then they're well outside of the time frame needed to be covered with Aviva at least.
Afraid not, whether you have seen a doctor or not is irrelevant. Moratorium underwriting excludes anything you've had 'symptoms, treatment, or advice' for in the last 5 years - I'm an ex insurance adviser.Knee has never been looked at by a doctor and the last time my shoulder was looked at was 10+ years ago so my understanding is as long as I go for moratorium underwriting then they're well outside of the time frame needed to be covered with Aviva at least.
Afraid not, whether you have seen a doctor or not is irrelevant. Moratorium underwriting excludes anything you've had 'symptoms, treatment, or advice' for in the last 5 years - I'm an ex insurance adviser.
There would be no insurance companies in business and no one would buy a policy until they got a problem if that were the case.
Under Moratorium Underwriting, you may be covered for pre-existing conditions depending on when you last experienced symptoms or received medication, diagnostic tests, treatment or advice for it. If this was within the five years before you joined, then you will not be covered for it until you have been free from any medication, treatment, diagnostic tests or advice for two continuous years.
Let's think about that in real terms.
If you had pain in your left knee three years before you joined the policy, treatment for that condition will not be covered when you join. You may still experience symptoms but will need to wait until two continuous years have passed after joining the policy without any treatment, diagnostic tests, medication or advice for that knee condition. You will then be covered for that condition after that two-year period has ended.
If you receive any treatment, diagnostic tests, medication or advice about the knee condition within two years after you join, you will have to wait until two continuous years have passed from when it all stopped.
'You may still experience symptoms but will need to wait until two continuous years have passed after joining the policy without any treatment, diagnostic tests, medication or advice for that knee condition. You will then be covered for that condition after that two-year period has ended.'Their wording seems to say if you've had symptoms/treatment/etc. within the last 5 years then as long as you've not had anything to do with the doctors within the last 2 then it's covered, or am I reading that wrong?
Edit it actually doesn't say symptoms on the second part, so there is potential they might cover it after 2 years if you dont get any treatment/tests/meds or advice. But that's still a long wait if it's giving you grief now. 2 years of premiums could be very expensive depending on your age and location etc too. (they used to all be symptoms, treatment and advice for the second part to, i've not been an adviser for around 2 years now! I guess they're banking on you not paying premiums for 2 years or it not being a serious issue if you've not needed any advice/treatment/tests etc)
It's the murkiest water i've ever been in selling PMI...hated it.
I never bother with leg drive. Fair enough if I was doing competition prep, but I want the focus on my upper body. That’s not to say with some movements I don’t use some drive for my top set, but never for bench. Same with extreme back arch, I just leave it at a comfortable more natural position.