Does anyone have any experience of claiming income protection insurance through work? I have permanent health insurance through my employer. I was diagnosed with RRMS 6 years ago and have just about managed to keep working full time since then. Over the past few years things have become difficult and my employer processed a claim which was finally accepted by the insurance company a year ago.
Since then the company’s insurance provider has been compensating my employer financially for any time I’ve had off sick, which has been a lot this year.
I’ve now said to my employer that I need to reduce my hours. That was in a meeting I had with HR a few weeks ago.
My manager has not been involved in any of the meetings I’ve had with HR and called me in to a meeting room to say that we should reduce my hours anyway. I said I couldn’t afford to do it without income protection and thought that was the end of it until we heard back from the insurance company on the claim. So I was shocked when I received an email from her after the meeting confirming that we would be reducing my hours from 5 days a week to 2 and that we would follow up with HR.
i replied saying I had not agreed to that and have since had a meeting with the HR Director who was of course very diplomatic. The stress I’ve endured since then has been horrendous and has actually made my symptoms worse. Anxiety through the roof and a few panic attacks.
Apparently the claim is in progress and my MS Nurse has written a report to the insurance company which I haven’t yet seen.
Why do we have to go through such a fight when we are already ill and vulnerable?!