Income Protection Insurance (not critical illness)

Everyday living
1

Does anyone have any experience of claiming this type of policy through your employer. Particularly I’m interested in if you were sucessfull, how diabled you were when claiming and if unsuccessful what happened afterwards. My employer has such a policy and I have lost a lot of the use of my arms and legs over the past few years (now in wheelchair full time) and think it’s something I should consider, but I have to be off sick for 6 months before it kicks in (I can work but with a lot of difficulty so have been avoiding sick days even when quite bad) so wanted to get some perspective on how this has worked (or not) in practice.

Thanks

2

I have it with my employer,like you have to be off sick 6 months before I can claim, well I’ve been off 9 months and they’ve paid notning …! Doctor and signed me off,company’s occupational health has agreed so I chased them last week and there answer was " GP & OH health don’t understand my job and there experts are looking at it, and they decide if I’m fit for work before they pay out" Rip off…not worth the money, bloody insurance legalised thiefs

3

My company’s policy is paying me 60% of my salary until i’m 60. I worked in R&D in a major telecoms company and when I was hit with MS it meant I could no longer do my job. If it helps it’s through UNUM and they have been brilliant. They send me some forms once a year to see how I’m getting along. Looking at the policy from my employer, MS is a condition they pay out on immediately. If you can get hold of a copy of the policy take a read through it and see if MS is listed.

4

Thanks to both of you for the good and bad side of things, may I ask how badly MS has affected you? I’m currently, I guess at my own judgement, at 7.5 on the EDSS scale (no useful use of legs and arms are starting to fail - gradually as I’m now SPSS which is making things harder to judge since things are not changing in discrete relapses), even with a desk job I’m really struggling each day at this level. I want to be able to enjoy some of my mobility before it goes and wonder if you are before or past that level or not.

After looking at a few sites it looks like the working of whether the policy kicks in if you are unable to do your job or daily life activities it a big factor on how easy the policy is to claim so I’ll be checking that out.