ok thanks guys, I'll let you know how I get on.

Thanks Dx100uk

Yes I'm aware and I don't mind discussing here. Thats fine its only so I can forward sangie some information, you did mention that it had been forwarded but sangie is saying that he/she hasn't received it. I tried PM ing you this message but I can't even do that now.

Hi Honeybee, I have reached the 30 messages requirement but for some reason I still can'y PM, can you help?

Hmmm, I just got this from a government website: A mental health condition is considered a disability if it has a long-term effect on your normal day-to-day activity. This is defined under the Equality Act 2010. Your condition is ‘long term’ if it lasts, or is likely to last, 12 months. ‘Normal day-to-day activity’ is defined as something you do regularly in a normal day. This includes things like using a computer, working set times or interacting with people. And it describes my illness to a tea.

Thanks Sangie, You have clarified a lot. In terms of reasonable adjustments based on my employer knowing that I am ill, can I make suggestions to them? I have mentioned this to them but to date they have simply dismissed discussing it. I just want to get an idea of what adjustments would be considered reasonable I have an idea of what I will need once I'm well enough to return to work but don't want to be in a position where I request them and they are not granted and then this is then used to dismiss me.

lol, then you'll understand why I am being careful. Thank you though.

Hi Emmzzi, Can I ask you (not doubting your experience and if you don't mind) what do you base that on and what background do you have? Its just that I have seen cases similar to mine upheld by the ombudsman. Many Thanks Hi Sangie, Just read your response - all of what you have said is correct, how can we look at the settlement side of things? I'm still keen to take it to the ombudsman if it means that my claim is reinstated and I have seen similar cases to mine upheld by them. My health is bad at the moment but the more time I have to get the medical help I need before I return to work the less chance there is of a relapse and this time I want to ensure that I am supported on my return to work and have certain adjustments confirmed as I have been diagnosed with depression and anxiety which from my understanding is protected by law as a disability.

Hi Emmzzi, Can I just ask, you mentioned that their is a very slim chance of getting a payout. Is this even if I take the matter to the FOS?

No problem thank you Emmzi I appreciate it. I'm sorry I can't provide a fuller picture but there isn't much more to what I have already mentioned. I'm hoping that once Sangie gets my PM he can maybe fill in the gaps.

He has experience of my condition and feels it is related to my previous illness and has medical evidence from previous studies which shows this. I have been referred to a psychologist and waiting for for some counselling sessions I almost also currently on medication. I don't mind seeing a private psychiatrist if it helps. All I really want out of this is to get better and return to work what I don't want is to return to work and have another relapse and go through what I went through previously.

No - Claim 1) was for stress related illness - then returned to work for a month and a half and relapsed (although I was scoring high for anxiety and depression but this information wasn't shared with me.) Claim 2) is a continuation of the original symptoms - and I was diagnosed with anxiety and depression a couple of months after I relapsed

Yes they were although I was diagnosed during my first absence but any health questionnaire by councillors and the insured showed anxiety and depression. The consultant is a cancer specialist and has seen my illness before. Sorry that should read I wasn’t diagnosed during my first period of absence

Hi Sangie, thanks I do appreciate it, Honeybee has said that DX100UK has forwarded my PM onto you, let me know if you didn't get it was sent yesterday and if you need any further clarification. In short I gave an honest representation of the situation at work which they were aware of during my initial absence. I did discuss lack of support/adjustments for my symptoms when I returned to work and also the issues I PM'd you but at no point did I state anything that confirmed that these were the reason I was absent from work or they were preventing me from returning to work. my illness has progressively gotten worse over what is now a 20 month period. But the insurers have taken statements that I made from different calls to come up with their conclusion. (I have described all this in the PM sent to you) My GP is supportive and I have a consultant who is also will to provide a report that I am not fit to work and confirm that my illness is related to a previous illness. Please let me know if you have got the PM and message me back with any detailed points you want to know about and I will respond to you straight away. Again thanks for your advice I do appreciate it. Sorry I should have said none of the points that Emmzi kindly mentioned apply in my scenario, everything I related to them was around conversations with my employer around lack of support and how my illness affected me before I relapsed. Anything else I have stated I have sent to you in the PM which hopefully you have and if not Honeybee will now forward to you.

Here you go: 'we consider that it is other factors rather than illness or injury that is continues to prevent the performance of the essential duties of his occupation.' 'we will immediately end payment of benefit if the insured member ceases to be disabled' Thanks