I’ve just been told that my employer wishes to pay me off on ill health grounds due to me having a number of absences over the last year. They have also noted a drop in the standard of my work (I suffer from concentration/memory/confusion issues).
They therefore feel I am no longer able to fulfil my contract. I’ve been with the company for 11 years and they have agreed to pay me off with 3 months salary.
However, this will not last long.
I’ve not been formally diagnosed with MS although my neurologist feels it will only be a matter of time before I fit the diagnostic criteria and I am therefore in limbo with a diagnosis of probable MS.
I therefore cannot claim on critical illness for MS but was wondering if I could claim under Total Permanent Disability given the fact that my employer is terminating my employment as I am no longer capable of carrying out my role. My critical illness policy states it will pay out under the category if I am no longer able to fulfil my ‘own occupation’.
I wasn’t sure if I would need a formal diagnosis of something if not MS before being able to claim.
What do you think?