Hi All To update you on on a thread I started in November. I have turned down the offer from the insurance company and intend to pursue my claim that PHI benefit should continue to age 65 and not 62........only need your help to do this!! The original policy dated 1991 states benefit will cease age 60 for women and age 62 for men. A variation dated 1995 states benefit will cease age 62 for both men & women A variation dated 2004 states benefit will cease age 65 for both men & women I joined the scheme in 2000 and started claiming PHI in 2006....according to the Insurance Company my benefit will cease at age 62. A female colleague who joined the scheme prior to 1995 would have the benefit paid to age 60........A colleague who joined the scheme after 2004 would have the benefit paid to age 65. Is is right that they can discriminate against members in this way? Also it is my understanding that the Pensions Act 1995 called on all insurance companies to equalise the retirement age to 65 for both men and women. This was for all occupational pension schemes and any insurances attached to that scheme. Am I wrong on this? Can anyone suggest where I from here. Many thanks

Hi All To update you on this thread I have turned down the offer from the insurance company and intend to pursue my claim that PHI benefit should continue to age 65 and not 62........only need your help to do this!! The original policy dated 1991 states benefit will cease age 60 for women and age 62 for men. A variation dated 1995 states benefit will cease age 62 for both men & women A variation dated 2004 states benefit will cease age 65 for both men & women I joined the scheme in 2000 and started claiming PHI in 2006....according to the Insurance Company my benefit will cease at age 62. A female colleague who joined the scheme prior to 1995 would have the benefit paid to age 60........A colleague who joined the scheme after 2004 would have the benefit paid to age 65. Is is right that they can discriminate against members in this way? Also it is my understanding that the Pensions Act 1995 called on all insurance companies to equalise the retirement age to 65 for both men and women. This was for all occupational pension schemes and any insurances attached to that scheme. Am I wrong on this? Can anyone suggest where I from here. Many thanks

Hi...sorry realised I haven't answered all the questions....my employment will continue until benefits cease....the payment of PHI will continue until I reach "retirement age" or am deemed well enough to go back to work, or die etc........if I return to work in a lesser position....PHI will make up the difference in pay.....if I change to another employer....I lose the employer pension contributions of 10%...but the benefits will continue.....can't complain.......it's a bloody good scheme Just want an end to my relationship with my employer.........and an end to being in debt to my solicitor!!

Hi....thanks to all for their replies.....the age problem.....the original policy was taken out in 1991.....when the retirement age was 60 for women and 65 for men.....in 1998/9 the company changed the pension scheme to a GPP scheme.....the PHI/GLA was carried forward to the new scheme.....I joined in 1999.....in 2004 the PHI scheme changed in a couple of ways....."earnings" was changed to annual salary...prior to that it was "last 12 months salary plus bonus plus, plus, plus".....and the retirement age was set as 65 whether male or female. I have documentation from the insurance co. which suggests changes also happened in 1996....I don't know what those changes were as I don't have access to the documents When I was still working....I helped another colleague who was claiming PHI......the insurance company produced doctored documents in support of their claim....I was able to challenge them because I had the originals....so I know how devious they can be.....unfortunately I don't have the same support from my employer. With regards to the offer on the table.....it represents 54% of the amount they would pay out until age 62.....and roughly 26% of what they would pay out to age 65 Point is...when I joined the Pension Scheme....my selected retirement age was 65.....if I wasn't covered by either PHI or GLA between the ages of 62 to 65... I should have been told about it......I wasn't

Hi...yes I did. The SAR gave me details of the insurance premium together with the interest charged on the premium. I used this as a starting point and calculated 8% statutory interest up to the date I sent the letter of complaint. In the letter I set out each figure separately, then showed a total. Hope this helps

Thank you......the way you put it makes sense....duhh!!

Hi All To update you with what has happened so far....and to encourage other people to make a claim I sent a SAR but it was returned saying they could not identify the Agreement Number I had provided, could I provide the Account Number. I spoke to my bank and asked them for the reference number used by Sainsbury's Bank on the direct debit. It was the same as the Agreement Number. I phoned Sainsbury's and stated the Agreement Number was the same as my Account Number and was the reference they used to identify payments. They tried to fob me off with the over 6 years nonsense but I insisted it was 6 years after the date of the last payment. I was told to return the SAR request, which I did again by recorded delivery. I received the SAR details, which were enlightening!!...not only had they mis-sold they had overcharged for the insurance...Joint Life cover instead of single life!! I sent the letter complaining of mis-selling and have received a letter back saying they are investigating my claim and will come back to me. Will let you know what happens next

Hi All.....I am 59 and have been in receipt of PHI benefit since 2006. I suffered a breakdown after 2 years of bullying by my Manager who is the MD. In 2007 I brought a grievance claim against him but this was not upheld by the Company. In 2008 I noticed there hadn't been any contributions into my pension scheme, my employer receives a waiver benefit to cover pensions and NIC etc. When I queried it I received a letter threatening to dismiss me! I employed the services of a solicitor and over the intervening period have paid out over £4,000 in fees. The pension contributions were eventually credited back, but since then I have lost all other employee benefits, PMI (I now I have to pay to see my consultant), company car and mobile phone. I did gain the holiday pay! For the past couple of years my employer has had me jumping through hoops and made my depression worse, so much so that my solicitor thinks I have a case for a Personal Injury Claim for the way I have been treated since becoming ill. Earlier this year, following another examination by the company appointed medical consultant, I received a letter stating that my employment should continue until age 60 when the PHI benefit stops. This should be paid until age 65 (my original selected retirement age) but following letters from my solicitor to my employer, their broker and the Insurance Company, the Insurance Company are insisting benefit will stop at age 62. My solicitor has suggested seeking further advice though thinks it would be difficult and costly trying to take on an insurance company and my employer is certainly not willing to fight on my behalf even though they will have supporting documentation that benefit should continue to age 65. Recently I have received an offer from the insurance company (via my employers solicitors) in full and final settlement of the claim for PHI benefit. It isn't a brilliant offer. Obviously if I accept, my employer will then be free to terminate my employment. Can anyone tell me if my employer would be obligated to pay severence pay? I have a 6 month notice period and the value is not insignificant. If it were paid on top of the offer then I would be tempted to accept if only to put an end to all this. Does anyone else have experience of settlements made by insurance companies? If I refuse this one will they come back with another?

Hi All I am about to start a claim for missold PPI on a loan I took out with Sainsbury's Bank in August 2002. I have the agreement number but not a copy of the agreement. I phoned Sainsbury's and asked for a copy but was told it had been destroyed as it was over 6 years old. Have since found out under S5. Limitation Act 1980 such documents should be kept for a period of 6 years after the date on which the cause of action accrued (end of the contract or date of final payment). The loan was repaid over a period of 3 years, the final payment made in October 2005. Not sure where to go from here. Do I write and request a copy of the agreement? or send a SAR? Many thanks in advance