Practical Support

When you are diagnosed with liver disease or cancer, there are many things for you and your loved ones to consider.  In addition to, the emotional and physical issues of the disease, it may have an impact on practical issues such as employment, money and travel.

You can also download our publication Living with Liver Disease and/or contact us with any questions.

Becs leaflets Nov 2017 1

Life Insurance

If you are living with or caring for someone affected by a long-term health condition, it can be difficult to obtain life insurance, or the premium may increase. 

If this happens, it is worth talking to your doctor as many consultants are willing to write to a mortgage or insurance company stating your health and life expectancy.

It is important that you tell insurance companies about any pre-existing conditions or conditions that develop while you have cover, as this could affect your entitlement if you need to make a claim. Not all insurance companies are the same and so it is worth trying several.

 

Travel Insurance

If you are planning to travel and have a liver condition, please speak to your consultant to check that it is safe for you to travel before booking your trip. This is particularly important if planning to fly.

It is also important to read the fine print of your travel insurance to check that you are covered. There are a number of travel insurance companies who cover chronic medical conditions – each company covers different conditions so it’s important to check that your particular circumstances are covered when getting your quote. 

Finally – don’t forget to check which jabs you need (including hepatitis A and B if you are travelling abroad. You can find out which ones you need here.

Finding an insurance company

The British Liver Trust has a list of insurance companies who have indicated they will cover people with liver disease. Please get in touch with us if you would like more information.

Benefits & Entitlements

Please note the Trust provides links to other information but is not responsible for the accuracy of the information on any sites we do not manage and by providing a link is not necessarily giving any endorsement of the site.  

Attendance Allowance – sometimes referred to as AA – is tax-free and is not usually affected by any savings or income you may have. If you are over 65, you may be entitled to this allowance which is similar to DLA but has not got a mobility component.
www.gov.uk/attendance-allowance

Secure and uphold the rights of disadvantaged older people in the UK and around the world. Working with them, researching their needs, and campaigning for changes in policy. Provide services to alleviate hardship today and prevent deprivation tomorrow.
www.ageuk.org.uk

The Citizens Advice service helps people resolve their legal, money and other problems by providing free, independent and confidential advice, and by influencing policymakers.
www.citizensadvice.org.uk

The Citizens Advice service helps people resolve their legal, money and other problems by providing free, independent and confidential advice, and by influencing policymakers.

www.cas.org.uk

 

The Citizens Advice service helps people resolve their legal, money and other problems by providing free, independent and confidential advice, and by influencing policymakers.
www.citizensadvice.co.uk

You may be entitled to a reduction in Council Tax if you are disabled or have a disabled person living with you. Please contact your local office or refer to website.
www.direct.gov.uk/Taxreliefandreductions

Gives details of your local office for advice on benefits including bereavement benefits, crisis loans, funeral payments, incapacity benefit and income support.
www.gov.uk/government/organisations/department-for-work-pensions

Government website providing information on public services including the Blue Badge parking scheme and free local bus travel.
www.gov.uk

Disability Living Allowance – sometimes referred to as DLA – is a tax-free benefit for children and adults who need help with personal care or have walking difficulties because they are physically or mentally disabled. This is paid whether or not you are in work, if you are under 65. There are several different rates, depending on how severe your disability is. You can also claim a mobility component if you need help getting around.
www.gov.uk/disability-benefits-helpline

Part of Department of Work and Pensions. Provides financial help to disabled people and carers. Helpline 8.30am – 6.30pm Monday to Friday and 9am – 1pm on Saturdays.
www.gov.uk/browse/benefits/disability

An organisation working for equality of rights for anyone with a disability and providing basic information about benefits, tax credits, social care and other disability related issues for claimants.
www.disabilityrightsuk.org

A Disabled Facilities Grant is a local council grant to help towards the cost of adapting your home to enable you to continue to live there. A grant is paid when the council considers that changes are necessary to meet your needs, and that the work is reasonable and practical. Please contact your local office or refer to website.
www.direct.gov.uk/org

The body responsible for protecting human rights, including promoting equality for people with disabilities.
www.equalityhumanrights.com

Charity aiming to create a just, humane and effective penal system.
www.prisonreformtrust.org.uk