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Help with insurance Disability claim being sought. Any advice ?


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I am unable to sit for more than 20 minutes without pain (it started after being operated on a particular area 2 years) and I long suffer with my back (disc degeneration). There are other debilitating health problems but wont go into them here and now.

I have been working on a standing position at my desk for the past 2 years and now my back cannot take anymore and I am in one pain or the other (or both !) almost every day of the week. I am +56.

I feel that I can no longer go to work because of the pain it is causing me. My employers have taken half measures to try and deal with my condition ( a special cushion given to me 2 years ago and slightly upped a part of the desk to give me a raised keyboard) , no special equipment supplied, none suggested by the Occupational Health office.


I thought about asking for early retirement but in the light of a policy I set up with London Life (permanent disability) retiring early on a silly yearly sum that is insufficient to even feed my cat and dog, would be a wrong move. I thought I should explore first the possibility of claiming against this policy (which has only 3.5 years left to run) . After 13 weeks of sickness , it would provide me with 75% of my current salary or support me for wage loss if I accepted to return to work on a part time basis.

I want to make a waterproof claim - be it for the insurance company or for retiring early on medical grounds - but I am so afraid that if I proceed on my own initiative I might just cxxck up the whole thing. I want someone who can go through my medical notes with the GP, arrange if necessary a specialist or specialists report(s) and then issue a statement of permanent disability that cannot be easily challenged.

Whose professional assistance should i seek (don t mind paying) to prepare this claim and protect me from any possible reiteration from my employers (I have heard of people being dismissed rather than retired on medical grounds) ?

I am getting desperate. I have tried a couple of solicitors (supposedly specialised in insurance claims) one loss assessor and one medical advisor; all have refused. I sense they fear biting the hand (the insurance business) that feeds them. Lots of these kind of Advisors and Solicitors are advertised on american webistes; none over here. It is so frustrating.

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Hi Your health seems awful. Standing at a desk for 2 years!!!!!!! Do you claim DLA? I ask because there would have been doctors reports needed to get that and you could use them. Have you any reports at all to start you off?

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I have a letter from my GP that she has written recently to my employers and its occupational health office, which states that because of my physical problem I have to stand and this is causing me a great deal of stress and having a profound effect on my life.

That s all.

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I have had a look at the DLA claiming criteria and some examples there are for people with really big problems such as : in a wheelchair, unable to walk and so on. Nothing mentioned about just having a long standing back problem . But then I have never claimed in my life so I am looking at things from the viewpoint of someone who has always considered going to work rather than staying at home.

Until l now !


Anyone has any suggestion re my post or am I scaring people off even on this forum, with this topic ?

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