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Neopeppy

Income Insurance

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Just a question,

 

I have been sick for a long time and forgot I was paying for income protection

, I have claimed but I have a gap of 3 months and 1 week where i did not ask for an unfit form as i was not working/sign on and not leaving the house with depression and anxiety.

 

I got an unfit notice before and after this gap with the same condition (it never went away)

 

How do I go about getting some form of information that I can send to Income insurance to prove i was still unfit?

 

Can i ask the doctor to write a letter to say his opinion i would have been still unfit if i asked for the unfit letter?

 

They are saying anything over a 3-month gap they cant payout... (Convenient)

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Hi.

 

 

Do you have the policy document that tells you the Ts and Cs for the plan please?

 

 

HB


Illegitimi non carborundum

 

 

 

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yes i have it,

Edited by Neopeppy

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So could you tell us what the policy document says about their three month rule please?

 

 

HB


Illegitimi non carborundum

 

 

 

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Hi.

 

 

I see you have your own thread now. I'm not sure how helpful the OP can be to you because theirs was a company scheme. I assumed yours is a private one but maybe I'm wrong?

 

 

HB


Illegitimi non carborundum

 

 

 

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If your new claim occurs more than 3 months after the end of your previous claim and it arises from a related condition or one that existed at the same time as your original claim, you must have returned to work for at least 3 consecutive months to be able to claim, my gap is November 4th - Feb 16 3 months 16 days ish

 

 

(Barclays income insurance) now monument

Edited by Neopeppy

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Various random posts on old threads moved to this thread and duplicate s tidied


..

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If your new claim occurs more than 3 months after the end of your previous claim and it arises from a related condition or one that existed at the same time as your original claim, you must have returned to work for at least 3 consecutive months to be able to claim, my gap is November 4th - Feb 16 3 months 16 days ish

 

 

(Barclays income insurance) now monument

 

 

Thank you. So why are they saying they don't want to pay?

 

 

HB


Illegitimi non carborundum

 

 

 

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in the 3 months,

i don't have an unfit letter from the doctor as i never asked for one,

 

i was not working or signing on (Never left house)

 

i did not ask for one even tho i have unfit letter before and after for the same thing,

 

Its clear i was still unfit but they need in writing, the doctor however said he cant do a un fit letter as i never asked for one during that period

 

He did do a letter saying i was still being treated for the condition over the whole period, They said that is not good enough, needs to say Un fit.

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So you went back to work from early November to mid-February?

 

 

When you went off sick again, did you see your GP or a specialist?

 

 

HB


Illegitimi non carborundum

 

 

 

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No, i not been able to work since October

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No, i not been able to work since October

 

 

Oh right, I misunderstood. When you and they talk about a new claim, do you mean there was a claim before that? I'm not sure where the three month bit comes in, could be me.

 

 

HB


Illegitimi non carborundum

 

 

 

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the claim was sickness when I was working which was up top the point i ended my employment which they paid, i then needed information from November onwards.

 

Nov to Feb i did not have any unfit letters because i was not working, i did not see the point getting as i was going to give them to nobody.

 

However, the doctor has confirmed i have been continuously treated up to this very day. but can not give me an Unfit letter as i never asked for one at the time, this was 2015 when i stopped working. The condition has always been there and it doesn't just disappear for 3 months.

 

2015 sep-oct (End of work) Unfit letter

nov-Feb (Not working) No unfit letter

Feb until now Unfit letter provided

Edited by honeybee13
Paras

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Thank you, that's what I was about to ask you for. Are they paying you now and it's Nov to Feb you're arguing about?

 

Is there something in their policy or Ts and Cs, etc that says what you should do when you want to claim?

 

HB


Illegitimi non carborundum

 

 

 

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Not paying me anything from November 2015 onwards due to the 3-month gap without an unfit letter.

 

Can i not ask the doctor to put that in his opinion if i asked for a letter in that 3 months it would have been unfit as i was before and was after?

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So is this what happened or not please? Including the dates.

 

 

2015 sep-oct (End of work) Unfit letter Claim paid?

 

nov 2015?-Feb 2016? (Not working) No unfit letter No claim made?

 

Feb 2016? until now Unfit letter provided Claim being paid or not?

 

Sorry if I'm being thick but it's important to get this right.

 

 

HB

Edited by honeybee13
Spacing

Illegitimi non carborundum

 

 

 

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2015 sep-oct (End of work) Unfit letter Claim Paid

 

nov 2015?-Feb 2016? (Not working) No unfit letter Claim made but won't pay

 

Feb 2016? until now Unfit letter provided Claim not being paid

 

 

The claim was meant to go from October 2015 until now, but they could only pay until November 2015 due too no unfit letter. They have had all evidence showing I stopped working, I have been unfit to work from Feb 2016 till now and i have been treated from October 2015 until now.

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I haven't administered this kind of policy, but why couldn't they pay the claim from Feb 2016 as a new claim once you provided a 'fit' note, even if there was a gap from November to February?

 

 

HB


Illegitimi non carborundum

 

 

 

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I never returned to work so

(If your new claim occurs more than 3 months after the end of your previous claim and it arises from a related condition or one that existed at the same time as your original claim, you must have returned to work for at least 3 consecutive months to be able to claim)

 

Just realised i was in physio at the hospital during this 3 month gap, Surly i can use this as proof i was still unfit

 

Stil have my physio appointment card

Edited by dx100uk
merge

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They decided to pay but only 1 year out of the 3. Sure i was told they pay till i return to work :/

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Hello again.

 

 

Can you prove what you were told or show something in the policy document that says that?

 

 

HB


Illegitimi non carborundum

 

 

 

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