My husband has had to give up work to look after him but it refused our critical illness policy claim

Our 16-year-old son has an incurable degenerative disease and now needs round-the-clock care. My husband has had to give up work to look after him but Aviva is refusing to pay out under our critical illness policy.

We’ve been paying £60 a month for the cover since 2007.

Our son was born in 2008 and diagnosed with spinal muscular atrophy with respiratory distress (SMA-RD) when he was eight.

He managed well in mainstream school until June last year, since when his health has deteriorated significantly and he has paralysis in all four limbs.