All About Autism

[belachanbabe]

Managed to find out, the premium per year is:


Plan A: $198
Plan B: $352

This is regardless of child’s age.

[Double E]

Thanks for the good news. But I wonder, if I but this policy, will the other insurance companies found out abt my son’s condition n terminate his other policies? I bought those polices before he was diagnosed.

[sharonkhoo]

ImMeeMee:

Check this out.


http://www.income.com.sg/insurance/SpecialCareAutism/index.asp

Anyone know how they define 'autistic'? What sort of diagnosis is required? Does it cover Asperger's syndrome? And for normal insurance, how will they decide if 'autism' is a reason for denying a claim? I can't find this info on their website.

[tkud8]

Double E:

Thanks for the good news. But I wonder, if I but this policy, will the other insurance companies found out abt my son's condition n terminate his other policies? I bought those polices before he was diagnosed.

It shouldn't be terminated since the policies were bought before the diagnose was done.
You can check with the ntuc income to reassure..

[nugget]

tkud8:

Double E:

Thanks for the good news. But I wonder, if I but this policy, will the other insurance companies found out abt my son's condition n terminate his other policies? I bought those polices before he was diagnosed.

It shouldn't be terminated since the policies were bought before the diagnose was done.
You can check with the ntuc income to reassure..

Yes, it wont be terminated. Cos these policies are bought before your son get diagnosed. But if you want to do an upgrade to existing policies to a higher coverage, you might be turned down or anything to do with brain will be excluded.That's what my insurance agent told me.

Needless to say, buying new policy is even harder now. I already have an accident plan for my son.

Wondering if I buy this, will it overlaps with the existing accident policy? In the event of accident, will I be able to claim from both sides?

[nugget]

slmkhoo:

ImMeeMee:

Check this out.


http://www.income.com.sg/insurance/SpecialCareAutism/index.asp

Anyone know how they define 'autistic'? What sort of diagnosis is required? Does it cover Asperger's syndrome? And for normal insurance, how will they decide if 'autism' is a reason for denying a claim? I can't find this info on their website.

Slmkhoo,

I supposed to buy this Special Care Autism policy, we will need to furnish documentations of ASD assessment reports by the psychologist in order to qualify.Or certified and signed by a doctor. Or currently attending any special school. I am citing based on the eligibility of care givers grant. The process should not be too different from that.

As for buying brand new normal insurance, usually you need to fill up a form to declare all health conditions (physical and mental). If you have put in ASD under existing conditions, then your policy might get rejected or might have a exclusion (all brain related illness or injuries wont be covered).

Thats to my best knowledge. Best to speak to a insurance agent to get more details.

[Double E]

Nugget

I just met a friend for lunch who shared with me how she witnessed an Asperger’s girl being bullied by her friends. She was volunteering in a local all girls secondary school and she happened to be assigned to the normal tech class. The class is made up of various groups, the nerdy ones and the very ‘naughty/gangster ones’. The naughty girls in the class bullied the Aspie girl and egged on her to do stupid moves. My heart sank when I heard this, to think this would happen in an all girls school which has affiliation to churches. I think I have to think twice about sending my son to mainstream.

Sorry, dun mean to scare you. But just sharing what I heard and I thought u should know and be prepared.

[sharonkhoo]

Double E:

Nugget

I just met a friend for lunch who shared with me how she witnessed an Asperger's girl being bullied by her friends. She was volunteering in a local all girls secondary school and she happened to be assigned to the normal tech class. The class is made up of various groups, the nerdy ones and the very 'naughty/gangster ones'. The naughty girls in the class bullied the Aspie girl and egged on her to do stupid moves. My heart sank when I heard this, to think this would happen in an all girls school which has affiliation to churches. I think I have to think twice about sending my son to mainstream.

Sorry, dun mean to scare you. But just sharing what I heard and I thought u should know and be prepared.

Did the girl realise that she was being bullied? Did your friend inform a teacher? I guess it's inevitable that such things happen, but I would hope that teachers would be able to catch these incidents early and not let them become habitual. I have a teenage Asperger's daughter too, but she has always been in a small 'safe' school up till now. I'm not sure how it will be when she goes into a Singapore school next year, but I hope that she will find a couple of friends who will be her champions and guides. The alternative is to keep her protected from the real world, and since she is already 16yo, that isn't really a good option for her. I hope she can discern when she is being being victimised and will tell someone about it.

For your son, maybe keeping him in a more protected environment may be good initially, but you should think about how to integrate him with the real world eventually, unless you plan for him to be in a protected environment for ever. It's probably easier for that transition to happen before sec school rather than later.

[nugget]

Double E,


Thanks for sharing. Yes, I am aware. Bullies are everywhere, they usually pick on the weaker and quieter ones, unfortunately our ASD kids fall into this category. Even if that Aspie is not in that class, those girls will still pick up someone else to bully. Probably a more quiet and timid one.

IMO, I think \"not sending to mainstream\" is not a ideal way to deal with this. Even if I send my child to SPED, the most it only shield him from bullies for until they turns 16. After that, they will still come out to mainstream environment and they might still face bullying situation, but in another form. They need to learn to get use to such situation and learn how to step away from it.

For my son's character, he cannot take big changes. When we change child care for him (a different school), it took him almost 1.5 years to stop crying and throwing tantrums. Even when he transited from K1 to K2, he also took a while to adjust.

That is one of the reason why I chose a mainstream school. I hope to get him to get use to the mainstream environment as early as possible, since he is young, maybe its more bearable and hopefully easier to adapt? Compare to when he turns 17, go ITE, Poly or anywhere else, then find it even more awkward to blend into the mainstream.

This is just my opinion.

Sigh.. but no matter what, I will feel heartache if he is being bullied in school. I hope when the time comes, he will remember what I taught him.. and respond accordingly.

You still have time to think about it. Do what you think is the best

[ImMeeMee]

At times I do hold the same worries about my doter eventually blending into mainstream environment too, since I will be sending her to a SPED school.


But I hold a slightly different perspective. I am hoping to give her a slightly more protective environment in her early years, so that I could build her confidence and awareness as much as possible. When she grows older and becomes more matured, hopefully she will be more aware of social cues which will reduce her misfits into mainstream, or at least be aware enough to respond accordingly if she is victimized, and hopefully she is confident enough not to be affected too much when she encounters such things cos her foundation in her self-esteem is strong.

Sometimes I do think about the possibility of transferring her to a mainstream school when she becomes more ready maybe during her upper primary school years, and if not, then secondary school, if academics is the way for her.

Honestly, I also don’t know how the whole scheme of things will work out. We just have to take one step at a time and hope for the best.