In its most basic sense, arthritis is defined as painful inflammation and stiffness of the joints. But, if you suffer from arthritis, you are likely well aware that there is nothing “basic” about it. That is because, while arthritis is considered to be a common health condition, it can be extremely painful to those who have it – so much so that it can affect your everyday living, and ultimately your life.
How Arthritis Can Affect Your Everyday Life
It is estimated that today, there are over 50 million adults, as well as 300,000 children, who are affected by a forms of arthritis. It is not currently known by medical professionals just exactly what causes arthritis – which can often be hard to both diagnose, as well as treat.
One reason that it can be somewhat difficult to manage or control arthritis is because it is not just one, single disease. In fact, according to the Arthritis Foundation, there are more than 100 different types of arthritis, as well as related issues.
Some of the more common symptoms of arthritis include pain, stiffness, and swelling in the joints, as well as a decreased range of motion. In many instances, the symptoms can come and go – and, while they can be fairly mild in some cases, in others, they can be quite severe.
Over time, arthritis can become worse – especially if not treated for many years. Those who have a more severe form of arthritis can experience chronic pain, as well as difficulty (or the inability) to climb stairs, walk, and / or perform even the most basic of daily activities.
There are also cases that are so severe that major bodily organs such as the lungs, heart, and kidneys are affected, as well as the eyes and joints. With that in mind, it is important to seek treatment as soon as possible.
Managing And Controlling the Symptoms of Arthritis
There are some ways that you can help with managing and / or controlling the painful symptoms of arthritis. These can include maintaining a healthy weight through proper diet and exercise, as well as pain medication. Some the medications include ibuprofen which is taken orally, while others can include topical creams and ointments, which can also help with reducing arthritis pain.
In addition, there are also various forms of physical therapy that may also be helpful for those who are seeking a better range of motion due to chronic arthritis pain. This can help by keeping muscles and joints more fluid on a regular basis.
Types of Physical Therapy Used for Arthritis
There are several types of both physical therapy, as well as occupational therapy, that can be helpful for those with arthritis. Physical therapy can assist you in being better able to move, as well as possibly improving your overall physical function and fitness level.
The primary goal of physical therapy is to make daily activities easier for you to do. For instance, this type of therapy can be helpful with better accomplishment of going up and down stairs, getting in or out of bed, and even just with walking in general.
Likewise, by participating in certain occupational therapy methods, you can often be able to reduce the strain on your joints during regular daily activities. In some cases, this may require you to modify your home and / or your workplace to help with reducing certain motions that could end up aggravating your arthritis symptoms.
Some of the more common types of physical therapy for arthritis can include exercise and range of motion activities. These may encompass light weight training, certain aerobic activities, and / or yoga. Your doctor and physical therapist will initially examine you, and from there, will prescribe the particular physical therapy activities that can work the best for you.
A part of physical therapy can also include ensuring that you get a proper amount of rest. This is especially the case if you are using your muscles and joints more often. One of the primary goals of this therapy is to help in preventing fatigue – which is another common component of having arthritis.
Also, making sure that muscles and joints receive the proper amount of heat and / or ice can be helpful. For example, by using certain types of heat wraps or compresses, you can relieve local pain. And, by heating up your muscles and joints before taking part in exercise, you may be able to better control your movements.
In some instances, you may need to wear hand or wrist splints, as well as use other types of assistive devices that can aid you with doing tasks like bathing, driving, dressing, and household chores.
If you have been diagnosed with arthritis, moving forward as quickly as possible with various treatments can often help with the management and control of your symptoms. And, while there is not cure for arthritis, the progression of this condition may be slowed down when you implement the proper treatments and management strategies.
Can Having Arthritis Affect Your Application For Life Insurance?
While many people have a milder case of arthritis, there are others who may suffer from chronic and severe arthritis for many years. Because this disease can not only affect the bones and joints but also major organs in the body, having arthritis can have an effect on your application if you are purchasing life insurance.
When applying for life insurance coverage, the insurance company’s underwriters will want to know as much as possible about your overall health condition, as well as more specific condition related details about your arthritis.
If you are applying for a traditional, medically underwritten policy, it will typically be required that you fully complete an application for coverage, which will ask you more questions about your age, gender, height and weight, health history, family history, and smoking / tobacco usage status.
You will also likely be asked for more information about your arthritis in particular, such as:
- When were you initially diagnosed with arthritis?
- What type of arthritis do you have?
- What are you doing to help with the management and / or control of your arthritis?
- Are you taking any medication for your arthritis? (If so, what type of medication and what is / are the dosage(s)?
- Do you have a family history of arthritis?
- Do you have any other health conditions as a result of your arthritis?
Most traditional life insurance policies will require that you also undergo a medical examination. During this exam, you will meet with a paramedical professional who will take a blood pressure and heart rate reading, as well as a blood and urine sample. Once all of the information has been thoroughly reviewed by the underwriters, an approval decision can be made, as well as the determination of an appropriate premium quote.
Where To Get The Best Life Insurance Premiums If You Have Arthritis
If you are in the process of shopping for life insurance and you have arthritis, it is typically best to work with a life insurance agency or brokerage that has access to more than just one single life insurance carrier. That way, you can more directly compare different policies, benefits, and premium quotes – and from there, determine which is best for you.
We can help you with this process, as we work with many of the top life insurers in the industry today. To move forward, all you need to do is just simply fill out the form on this page. If you have any additional questions regarding the purchase of life insurance with arthritis, please contact us directly at 800-277-3098. Our experts can walk you through the process of obtaining a quote, as well as finding the plan that is right for you.
We understand that the purchase of life insurance is important. You want to make sure that you are getting the proper type and amount of coverage for your specific needs – while at the same time, you don’t want to end up paying too much.
As an independent life insurance brokerage, we can help you in making your decision quickly and easily – all from your home computer – and without the need to meet in person with a life insurance agent. So, contact us today – we’re here to help.