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The CancerIFA Service
….is an administrative service for individuals who have a terminal illness, or their employers.
Buried in the Finance Act 2004 is a provision that allows undrawn pension funds to be paid out tax-free up to a generous £limit, where life expectancy is 12 months or less. This is the “Serious Ill-health Lump-sum Payment” provision, and is not affected by recent Budget changes.
Provided a doctor confirms the medical situation, the whole fund can be paid out once the paperwork is completed.
But pension paperwork is of little interest to most people at the best of times, so the CancerIFA service has evolved to help with this. With the pension monies paid into their bank account, this allows the person concerned to sort out their own financial affairs now. Sometimes we are approached by other financial advisers to handle this.
We do not provide regulated financial advice – for two reasons.
Firstly, the founder has retired from giving regulated financial advice. Secondly, with less than 12 months to live, most of my clients don’t need it.
Regulated/professional Advice when needed can be given by:
i) Solicitors/will writers – nearly always the case. This might be for writing a will or setting up an appropriate trust where there are young children.
ii) Financial advisers where regulated investment advice is needed.
iii) Both the above where bad advice has been given previously.
We provide a sympathetic ear for anyone diagnosed with a terminal illness based on my own direct experience of cancer in 2007. And indirectly, from family members, friends and clients who have had to face this – not to mention my 20 years as a financial advisor.
Dealing with the pension paperwork lifts a huge burden from someone diagnosed with a serious illness and their families. This allows them to spend more time giving comfort and support.
A large lump of money from a pension scheme usually alleviates any immediate money worries.
George Emsden ACIB, DipPFS
To find out more please visit :
In October and November 2015 Heather began to suffer from headaches, blocked sinuses, a swelling on her forehead and short, frequent nosebleeds. This led to her being diagnosed with a heavy bout of Sinusitis at the GP’s and prescribed several different Antibiotics.
Heather was taken into hospital on Christmas Day 2015 with a nose bleed that wouldn’t stop and to her shock and horror she was diagnosed with a substantial nasal and sinus tumour that had already cracked through her skull and was pushing against her brain. Five weeks later it was confirmed as malignant and inoperable. There was nothing they could do they said, with the expectation being that it could not be cured …. The following is an account of Heather’s journey in her own words….
After accepting the palliative radiotherapy on offer I, along with my husband, began to research alternative and supplemental treatments.
It quickly became clear that here are two approaches to treating Cancer, firstly the conventional ‘destroy’ approach – radiotherapy, chemotherapy and surgery, and also the ‘body healing’ approach through complementary and alternative elements. Without a doubt a combination of both is the best approach, providing the greatest chance of successful overall treatment. However the amount of information available to us on the internet through blogs, documents, videos, and social media was literally overwhelming. What to do … where to go …
Through a very fortunate turn of events we were introduced to Cancer Options and Patricia Peat. It was to turn out to be one of a few key introductions for us that ultimately influenced my fate.
When receiving a prognosis as desperate as the one I received, a lifespan of three to twelve months, two key things get lost in the emotion that follows; control and hope. These were the things that we needed to get back and Cancer Options was instrumental in helping us to do just that.
So, following our initial consultation with Patricia, and the production of an Integrative Care Plan, a substantial bespoke plan of action just for me, the first thing that Patricia advised was to have further tests to look into what might have caused the tumour. Wow, looking at what caused this thing with the accompanying logical extent of stopping its growth and potentially reducing it, made such sense. But we had only been talked to previously at the hospital about how best to ‘attack’ the tumour. Patricia made it so clear that a healthy, functioning immune system is equally, if not more important, than conventional ‘treatments’ when it comes to cancer.
These tests were very revealing. We were able to determine that my body contained too high a quantity of certain metals and toxins but more significantly a key gene that helps to detoxify the body was not apparent at all! The good news was that all of these deficiencies could be ‘supplemented’ out. So, along with positive changes to my diet and exercise regimes I started on an extensive programme of supplements and ‘alternative’ treatments to support the radiotherapy that I had already received. This programme was designed to;
- Repair any damaged tissues following radiotherapy
- Heal and optimise the immune system
- Continue to kill the malignant cells – particularly stem cells that are often the cause of recurring secondary cancers
After a few months of being on the Cancer Options programme it was D-Day! It was time for a rescan, and to see what happens next from a conventional treatment perspective.
The scan showed reduction in the tumour causing the hospital to declare the disease as stable. This was in itself great news but the surgeons local to us said that it remained inoperable, which left us feeling that we still needed to continue with our journey. So now we reviewed the supplements, added some, stopped a few and then we took my case to London for a full second opinion. We went to see a professor of Oncology on Harley Street. He was a wonderful man, immediately identifying treatment options that hadn’t been discussed before with us, but more importantly introducing us to a surgeon, who said he could operate and remove 100 percent of the tumour. We could hardly believe it!
So at the end of September I went into Hospital, and underwent a five hour operation to have the entire tumour taken out. It was successful and three subsequent scans post operation have shown me as being clear of all tumours!
So, whilst we are still very much on the ‘cancer journey’ we can look forward with far greater hope and a comforting feeling of control.
Patricia is now working with me to realign the supplements to focus even more on optimising my immune system in a programme designed to minimise the chance of anything untoward returning!
As a final word from me I would like to leave a few key pointers for anyone diagnosed with cancer;
- Take control of your own treatment plan.
- Always, have a Complimentary and Alternative Medical Practitioner (CAM) on your ‘team’ – this is what Cancer Option does so well.
- Look at what could have caused the cancer – tumours do not appear at random. There will always be an underlying reason.
- Do not be afraid to seek a second opinion.
- Take back hope and control because with these you can do what I suggest in the next, final and most important bullet ;
- Think positively all the time! A positive outcome can be as much a self-fulfilling prophecy as a negative one.
There are a large and increasing number of clinics offering complementary and integrative support in an increasing number of countries abroad.
Consideration of this option requires a lot of thought and investigation before commitment to ensure it is the correct and appropriate course of action.
There are many aspects to consider in terms of where the emphasis of action les: detox, underling elements, active anti-cancer strategies, new immunotherapies. Different clinics offer different things and where the correct balance for the individual requires some discussion
We do not have any facilities in the United Kingdom that offer anything like the comprehensive approach you can get abroad. As you may have experienced it can be fragmented and isolating trying to attend to all the elements here. Treatment abroad can in my experience achieve the following:
Identify underlying toxic elements and areas of cellular malfunction which are contributing to the development of cancer cells and begin correcting them
Provide intensive intravenous nutritional and cellular support for anybody depleted by chemotherapy and radiotherapy here
Use low toxic and targeted versions of chemotherapy and radiotherapy which are less toxic than here. These are combined with intense immune support so the body is working against the cancer and not being disabled by the chemotherapy.
Stimulate the immune system into playing a role against the cancer by use of vaccine therapies hyperthermia, dendritic vaccines and more.
Reduce the resistance to treatment as we know cell evolve and find their way past most drug therapies if they remain, targeting resistance as well increases efficiency of treatments and how long they can be used for.
Access to drugs that will not be made available here.
Using targeted ablation for treating individual areas or tumours reducing toxic load on the body.
There are many clinics and they vary in their both their approach and quality. Some are aimed at general detoxification and immune stimulation which applies to most chronic diseases so they don’t have much actual experience with the challenges cancer brings.
Some are more or less medically based than some people would like and put less influence on diet and detoxing so it has to fit your philosophy
Some unfortunately offer treatment that feels like a conveyor belt and the personalised element that you go to integrative medicine for is missing
Expense, a big issue, costs vary enormously. One must consider carefully what is going to be achieved with a period of treatment and how ongoing that treatment will be. If a period of treatment is likely to be ongoing one has to consider that you may commence and be making progress and find it difficult to meet the financial implications ongoing. This would clearly be a very stressful situation that should be avoided.
Fit for Treatment?
You should not consider embarking on a European clinic if you are generally unwell. You are likely to need expensive additional treatment, not benefit very much or the stress of treatment could make things worse. Some clinics require a fitness to fly certificate and most would refer to the Karnofsky scale of wellness to establish if they can help you any score below 50 is the level that a clinic really should not be offering you treatment
KARNOFSKY PERFORMANCE STATUS SCALE DEFINITIONS RATING (%) CRITERIA
|Able to carry on normal activity and to work; no special care needed.||100||Normal no complaints; no evidence of disease.|
|90||Able to carry on normal activity; minor signs or symptoms of disease.|
|80||Normal activity with effort; some signs or symptoms of disease.|
|Unable to work; able to live at home and care for most personal needs; varying amount of assistance needed.||70||Cares for self; unable to carry on normal activity or to do active work.|
|60||Requires occasional assistance, but can care for most of his personal needs.|
|50||Requires considerable assistance and frequent medical care.|
|Unable to care for self; requires equivalent of institutional or hospital care; disease may be progressing rapidly.||40||Disabled; requires special care and assistance.|
|30||Severely disabled; hospital admission is indicated although death not imminent.|
|20||Very sick; hospital admission necessary; active supportive treatment necessary.|
|10||Moribund; fatal processes progressing rapidly.|
Things You Must Do Before Committing for Treatment
If there are underlying medical issues such as ascites drainage etc. one needs to get those attended to here if possible. If you have to add the cost of basic medical care to the top of treatment it can be very expensive.
Get a clear plan of treatment and costs from them before agreement.
Have a telephone consultation with the medical staff.
We can help with all the above, it you would like to discuss these further please contact us.
Choosing A Clinic
There are different clinics for different aims, e.g. detoxification and identification of underlying elements for those in remission.
Breaking down resistance of treatment and getting better results from chemotherapy without losing ground physically for those with active cancer
Ablation therapies for treatment directed to a particulate area or tumour without treating the whole body
Accessing the new immunotherapies alongside holistic programmes which are really at the top end of the scale financially
We are happy to share our experience and feedback on clinics abroad to help you get the right place and help with any arrangements
Catch up with Patrica’s latest radio interviews by following the links below:
The Cancer Revolution has been awarded a Platinum Award in todays Janey Loves 2016 Platinum Awards. Pick up your copy here : http://thecancerrevolution.co.uk/
All profits from this award winning book go to the Janey Loves Charity of the Year ‘Yes to Life’.
The Cancer Revolution represents the fruition of a long-held dream to pull together the best information on the broadest range of approaches to cancer. We want this book to act as a catalyst for individuals to empower themselves, and to become part of a revolution that promises to change the experience of cancer treatment completely.
This revolution, Integrative Medicine, has the power to cut deeply into the devastating survival statistics and the desperately poor quality of life experienced by many following treatment for cancer. Even more importantly, it will help to promote a cultural revolution: the increasingly obvious sources of the ever-rising tide of cancer in the UK point clearly to where the solutions lie.
To order your copy please visit : The Cancer Revolution website
Post by Patricia Peat
I have worked with many people over the years in many different circumstances.
So many have become my heroes because they have achieved so much on so many levels. The medical profession do not make it easy at the moment for people to empower themselves with wider approaches. It often takes an enlightened person to begin to think outside the box and embrace that there is more to achieving and maintaining health than just drugs.
People who do become my heroes and they are the people leading the way in teaching the medical profession that:
Yes! nutrition matters
Yes! managing stress matters
Yes! I am an individual and I want to know what underlying influences may have contributed so I can correct them
I refuse to believe that the only person who can influence my recovery is you and if you cannot there is nothing more to be done
I do have the intelligence and capacity to evaluate what makes sense to me and what may help my recovery
I believe in me and I believe in my ability to maximise my chance of recovery