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Scottish Couple Denied NHS IVF Due to Cohabitation Rule Amid Cost-of-Living Crisis
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A Scottish couple, Amanda McEwing and her partner Scott, are facing heartbreak after being denied IVF treatment on the NHS due to a cohabitation rule. Despite being engaged for two years and trying to conceive for five, Amanda and Scott do not live together, rendering them ineligible under current NHS guidelines. This situation is compounded by the financial pressures of the cost-of-living crisis and ongoing housing shortages, highlighting the challenges faced by manny long-term couples in Scotland.
Amanda McEwing and Scott have been together for seven years and actively trying for a baby for five. their journey to parenthood has been stalled by a policy requiring couples to cohabitate to qualify for NHS-funded IVF. This often-overlooked requirement has added notable stress to an already challenging situation.
The couple’s struggle began when doctors confirmed that Amanda had endometriosis after a decade-long journey to diagnosis. Endometriosis,a condition affecting one in 10 women,causes chronic pelvic pain,painful bowel movements,and can lead to difficulty in conceiving.
Amanda recounted the moment she discovered the cohabitation requirement: On July 12, the doctors confirmed I had ovarian cysts and said if I wanted a family, I would have to look at IVF.I began to fill out the forms to start the process, and the doctor asked me to prove we lived together — it was only then we found out about the cohabiting criteria.
The financial pressures of increasing bills and inflation have forced Amanda and Scott to delay buying a home, impacting their eligibility for IVF.Our savings are getting eaten up just to survive and now we need to find at least £5,000 to begin exploring private IVF, now I have my endometriosis diagnosis,
Amanda explained. If we had known about this sooner, when we started the fertility journey with the NHS, we could have done somthing, but the cost-of-living crisis and the time wasted only to find out we aren’t eligible is heartbreaking.
Currently, Amanda, a support worker, resides with her grandmother in Pollok, Glasgow.The couple even declared themselves homeless in an attempt to expedite their placement on the social housing waiting list. Though, with nearly 250,000 people on the waiting list for social housing in Scotland and only 26,102 allocations annually, the odds are stacked against them.

Despite not living together, Amanda emphasizes the strength of their relationship. We spend every day together and have been going through this process to have a baby for over five years,
she said. Our relationship is serious,but we just don’t live together yet. Seven years together doesn’t count for anything when it comes to accessing treatment.
in 2016, the Scottish Government updated the couple criteria for IVF in Scotland, in consultation with the national Infertility Group. Aileen Campbell, the minister for Public Health at the time, stated that these changes would make
Heartbreak in Scotland: IVF Denied,Cohabitation Rules Under Fire
Is it truly fair to deny couples access to life-changing fertility treatments based solely on where they choose to live? the answer,as we’ll discover,is far more nuanced than a simple yes or no.
Interviewer: Dr. Evelyn Reed, a leading expert in reproductive health policy and law, welcome to World Today News. The recent case of Amanda McEwing and Scott highlights a critical issue regarding access to NHS IVF in Scotland and the impact of cohabitation rules on couples struggling with infertility. Can you shed some light on this complex situation?
Dr. Reed: Thank you for having me. The McEwing case poignantly illustrates a growing concern regarding equitable access to assisted reproductive technologies (ART), specifically in vitro fertilization (IVF). The requirement that couples must cohabitate to be eligible for NHS-funded IVF treatment creates a significant barrier for many, particularly those facing financial hardship or housing instability, as illustrated by Amanda and scott’s situation. This policy not only raises ethical questions about fairness and equality but also inadvertently exacerbates existing societal inequalities related to infertility care.
Interviewer: Many might argue that cohabitation is a reasonable indicator of a committed relationship. Though, isn’t there a risk of excluding stable, committed couples who, for various reasons, haven’t yet combined households? How dose this impact access to healthcare based on their economic circumstances?
Dr. Reed: Your spot on. While cohabitation might seem like a straightforward measure of commitment, in reality, it’s an imperfect proxy and can disproportionately affect couples struggling financially. The cost of living crisis, coupled with increasingly challenging housing markets, makes it more tough for many couples to live together, even if they have a deeply committed and stable relationship. This effectively creates a two-tiered system: those who can afford to live together gain access to essential fertility treatments, while those facing economic hardship are denied. This directly discriminates against those experiencing financial difficulties, leaving them with the added distress of navigating expensive private IVF treatments or facing the heartbreaking reality of infertility. The policy, therefore, needs careful examination through the lens of socio-economic impact.
Interviewer: The impact on individuals’ mental health must also be considered. How does prolonged uncertainty and denial of treatment affect couples already dealing with infertility?
Dr.Reed: The psychological impact is colossal. Infertility itself is a deeply sensitive and emotionally challenging experience, often involving anxiety, depression, and feelings of isolation. Adding the financial burden of private IVF – which can cost thousands of pounds – or the emotional distress of being judged ineligible simply due to housing circumstances only worsens the situation. the prolonged uncertainty and repeated obstacles experienced by couples like Amanda and Scott cause immense psychological damage and further delay their journey to parenthood. Delayed treatment can also worsen existing conditions like endometriosis, which Amanda already suffers from—exacerbating pre-existing health issues.
Interviewer: What are some possible solutions to make IVF access more equitable in Scotland and other similar settings? Are there option criteria that could be used to assess need and commitment without using cohabitation as a singular benchmark?
Dr. Reed: Several alternatives should be explored. One approach is to broaden the eligibility criteria to include factors beyond cohabitation, such as the length of the relationship, evidence of joint financial obligation, or formal legal commitments like marriage or civil partnerships.A thorough assessment of the couple’s relationship commitment, based on multiple indicators rather than a single criterion, is crucial. Another solution involves increased funding for NHS IVF services, making it more readily accessible to a greater number of deserving couples, relieving the current, significant financial barrier. Improved access to affordable housing is also critical, as it addresses the underlying root cause related to cohabitation eligibility. These changes would ensure a fairer and more equitable system for all couples facing infertility, regardless of their housing situation.
Interviewer: What is the overarching message here for policymakers and healthcare providers? How can we ensure that such policies are both effective and ethically sound?
Dr. Reed: The paramount consideration should be ensuring equitable access to healthcare for all. Policies in reproductive health must prioritize what is demonstrably in one’s medical best interest, providing a pathway to parenthood free from discriminatory conditions, regardless of socioeconomic circumstances. The cohabitation requirement, as evidenced by the McEwing case, falls short of this ethical standard. Policies should be revised to recognize the complexity of modern relationships and make IVF access truly inclusive. A thorough review of existing legislation and a community discussion on improving these policies to increase fairness and access is urgently needed.
Interviewer: Dr. Reed, thank you for your insightful outlook.This conversation highlights the need for a broader conversation surrounding access to essential medical treatments based on criteria that are not only efficient but also reflect compassion, fairness, and a deep understanding of the human experience. I urge all readers to engage in the comments section below and share your views on the critical questions raised by Amanda and Scott’s story. Are cohabitation rules fair for IVF access? What are your ideas for improving this crucial area of reproductive health policy? Share your thoughts!