Hi HB, yeah Income protection/PHI.. its an option when choosing workplace benefits, it comes around every financial year. I have always upgraded the benefit to pension age, that was prior to falling ill and claiming through it. Every year i've just chosen it as a benefit again, now the option "until pension age" has been removed and just standard 5 year cover available. Im sure I read somewhere that when you are in receipt of payment you don't need to continue paying the premiums anyway? As\its a group policy its confuzzling!

the benefit of payment from the insurance company, nothing to do with DWP. Sorry, I should have worded it better

Hi Good People I'll try to keep this to the point. I claim Income insurance through my employer after a period of absence due to ill health. I'm still employed and benefit options for 2022/23 are now open. Should I select/pay for to an insurance policy I am in receipt of? An aside, when I took out the policy I increased cover to pension age, this option is not available in the current benefit options, just the standard 5 year cover and it looks to be set to autorenew to that? Thanks in advance

Hey HB, Yeah back payment and continuation, I wrote a strong appeal and supplied supporting medical evidence. Anyone who has had an independent assessment will understand how horrible and personal it is.. feels like vindication

Hey, a positive up date to this thread. My employer emailed today and my appeal has been accepted. Its been very drawn out. PHI through employers GIP is very confusing, a critical mind may think its by design. I'm happy to offer advice to anyone caught in this vacuum

Thanks, I was just reading about the complaints procedure, i'll need to request it through my employer. Its hard to say where the delay is until I receive the decision letter and see how the dates align.. and why there has been no decision or communication. Oh well, springs coming

Hey HB, yeah A on.. i'll be keeping a close eye on the dates of all docs/emails! Whenever it is they decide to reply i'll follow up with SAR and complaint to FCA

A quick update, found this on the FCA website/handbook. There's no reason for the delay, and 3 weeks past their own timesclae, no contact (ICOBS 8.3 Insurance intermediaries (and insurers handling claims on another insurer’s policy) Dealing with claims notifications without claims handling authority ICOBS 8.3.4G06/01/2008RP A firm that does not have authority to deal with a claim should forward any claim notification to the insurance undertaking promptly, or inform the policyholder immediately that it cannot deal with the notification.

Seems my employer is the client of the broker, everything is still going through HR at this stage, It's really no bother to wait, I just want this finalised so I can concentrate on my health, i'm able to wait as long as needed and have factored in the time it may take for the Ombudsman to pass judgement. I could just do without the wrangle, but it seems this is what they thrive upon.

Thanks Honeybee, Mantis. I emailed my employer the date the 60 days were up, they claim to have only had one response from the Broker (Aon) since confirming delayed acknowledgement from L &G. I've emailed my employer a few times since, and have been told they will be in touch when they have a response.. each time. Layers and Layers which may only be penetrable with a SAR against insurer and broker? (I had to raise one with my employer to get a copy of the policy. I've read that the duty of care applies to everyone in the chain, except seemingly me!

Hey good folks I'll try to make this to the point, at this stage I could probably write a PHD on how collusion within the layers of GIP's are designed to make everything opaque. My claim for income protection through my employers GIP was initially accepted, but subsequently stopped after an "independent evaluation" - if you know, you know. I submitted a very strong appeal, addressing every point raised in the decision letter, backed up with supporting letter with no ambiguity from my treating specialist. I was advised the appeal process would take 45-60 days, its now been three weeks since their advised timescale has passed (it took a week of that for them to acknowledge the appeal) I've contacted my employer for an update, however they are not receiving a reply from the broker.. Am I right to expect the decision letter to be dated within their 45-60 day timescale? (when received) Is a total 3 week delay, skirting the edges of the duty of care the broker is adhered to? Thank you for reading!

Thanks HB! am trying to PM you but getting the "not logged in" screen. As soon as i'm able i'll drop a line

Hi HB, thanks for your kind reply, sorry for the delayed response. Do you mind if I send you the detail by PM? I will happily summarise afterwards for the benefit of the board, Cheers

Hi Good folks I have recently had my income protection insurance stopped, after functionality tests carried out by a "health professional" chosen by them to carry out an assessment. I ought really clarify that health professional really shouldn't be applied, Insurance assessor is more apt. Anyone who has been through this will know that its "fait accomplie" .. the factual inaccuracies and exaggerations were upsetting. My employer would also have read the report and may have taken it on face value. I now need to appeal the decision, however my employer refuses to give me a copy of the policy which contains the wording for the "definition of incapacity" which is crucial to my appeal. I asked 10 (ten) times amicably, before taking advice and raising a DPA to get this information, which is also being contested. I'm in a position where I need to appeal, but am being obstructed from doing so effectively by my employer who is the only body that can supply this, its theirs and my document. This feels wholly wrong to me, unethical at the very best. Legally can anyone advise if they are obliged to provide this as a matter of course? or give any advice? I've contacted ACAS but they advise to seek to solve amicably.. which I have! Thanks in advance