Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #61
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    Default Re: Group Income Protection - Claim Declined

    Quote Originally Posted by Sangie595 View Post
    I haven't had a PM from anyone.
    just re sent it

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  2. #62
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    choudaryk Novitiate



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    Default Re: Group Income Protection - Claim Declined

    Thanks Dx100uk


  3. #63
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    Sangie595 Highly informative Sangie595 Highly informative Sangie595 Highly informative Sangie595 Highly informative Sangie595 Highly informative Sangie595 Highly informative Sangie595 Highly informative



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    Cagger since : Nov 2016
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    Default Re: Group Income Protection - Claim Declined

    Ok. I'm sorry. This is going to be blunt.

    In summary, you have been off sick for the best part of two years. This has had nothing at all to do with cancer - it has always been work related stress and that is the cause that you agreed to.

    Only half way through this period did you submit a grievance to your employer, relating to events that happened a full year before hand. You then went off sick again, also with work related stress. Your employer appears, from what you have said, to have paid you full pay for the first months of each period of sickness, which is an exceedingly generous sickness policy.

    You have already been offered a settlement, which you declined because you appeared to believe that your employers insurers were going to pay you full sick pay for the duration

    . Thereafter the insurer said that your problem is with the employer, which it is, and that isn't sickness in their book. Whether that is right or not is a matter for the FO - but be warned, it possibly is.

    Your grievance has been partially upheld, but you still haven't gone back to work. There is no prospect of your doing so, so the employer had said that if the insurer declines your claim they will start to dismiss.

    So here's the plain and simple truth - you were offered a settlement, so they may never offer you another one. You failed to mention that offer when both Emmzzi and I mentioned such things. If they offer again, take it. I'd even suggest asking if that offer is still on the table.

    Because you are not going back to work. You are not entitled to go back to work on your own terms. Whatever the rights and wrongs here, the employer had acted, in law, quite correctly. And you still cannot go back to work. That is, now, down to you. Your grievance has been dealt with.

    You obviously can't draw a line under that and move on. So you literally need to move on. With the best will in the world, it happens. I am sure that one day you will look back and think that leaving this employment was the best thing you ever did.

    But you aren't going to recover now whilst with this employer, and the fact that you still have such severe work related stress is screaming that out loud, no matter what you say about wanting to return. If you wanted to return, and if that was a realistic prospect, you wouldn't be so anxious about work!

    Two years is too long. What is broken now in that employment relationship is not going to get fixed. The employer knows that. That is why you were offered a settlement. The only person who doesn't appear to know it is you.

    Go back to the employer, ask nicely if the offer might still be on the table, for you to drop the complaint to the FO and any claims against the employer. If they can both guarantee no further expenses, it might still be on the table. If it is, take it, and get on with your life. Get better, find another job, put this all behind you.

    I can't give you any better advice than that. With the information I now have, if you are genuinely that sick as a result of all this, then you will never cope with the stress of a tribunal or self- litigating.

    If you aren't, that insurer is likely to rip your position apart - they are experienced at doing so when they need to. So that's it. You must decide. I can't offer any further or better advice, so I'm out now.


  4. #64
    Gold Account Holder Emmzzi Authoritative Emmzzi Authoritative Emmzzi Authoritative Emmzzi Authoritative Emmzzi Authoritative Emmzzi Authoritative Emmzzi Authoritative Emmzzi Authoritative Emmzzi Authoritative Emmzzi Authoritative Emmzzi Authoritative



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    Default Re: Group Income Protection - Claim Declined

    Thank you for the summary Sangie.


    After 2 years of work related stress, I think it is fair to say no adjustments would make it possible to work there again; it has simply gone too far, and for too long. So I would drop that line of thought.


    A clean break, parting of the ways and working somewhere that both suits you and values you, will do more for your health than you could ever imagine. I do hope you are lucky with your job search.

    Never assume anyone on the internet is who they say they are. Only rely on advice from insured professionals you have paid for!
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  5. #65
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    choudaryk Novitiate



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    Default Re: Group Income Protection - Claim Declined

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


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