Hello I’m new to this forum .My husband suffered a stroke ( hemmorhage) in November and has been unwell since .His stroke has left him permanently exhausted, his personality changed and his memory muddled. The reason for not paying out ( Royal London) is because it is too soon , according to them, to know if these symptoms are permanent. They suggest we provide more evidence from his consultant neurologist if there is info to suggest permanent. This is unlikely as he has not seen the consultant due to there being no stroke clinics due to Lack of neurologists and funding at the hospital. We are gutted , he’s 48 , We have a mortgage and the usual living expenses and if he remains in poor health I don’t know how we will manage. Anyone experienced this before ?