Hi all
I had an income protection policy with a few yrs.
Hen I made the application I ha ad a hip condition diagnosed and had had surgery. This was disclosed on my application and and an exclusion applied to that hip.
I have now been out of work for 1 yr due to another illness and surgery. I made a claim on the policy after 3 Mts when I knew that I wouldn't be well enough to go back to work as quickly as I thought.
They denied my application because of none disclosure and voided my policy.
The points they made were the following
1 . On the application form they asked if I had ever sure ref with back pain or a back issue. I had said no. But the asked for all my GP notes going back 5 yrs. and found that I had referred pain from my hip issue toward my back. To me or my GP this was nothing to do with my back it was hip related and I obviously didn't consider myself to have back issue of pain.
2. The 2nd issue was that they had asked if I ever suffered with stress anxiet depression. And I had t. But they had found 1 time when my brother was seriously and suddenly ill I had gone to my GP exhausted and very upset. My GP was away and I saw a locum who didn't know me. She ? On her notes maybe depression. I took time off work - I was back at the gp days later already feeling better.
My GP had written a letter denying their claims of none disclosure and said their interpretation of her notes was incorrect.
I did not have back issues. And the stress I experience was normal stress due to family issues and not anything she had medicated me for or referred me for treatment for.
I apple alex the desision to the company friends first and they said they reached the same conclusion
I am not off work for any of those two reason.
They have not asked me to be reviewed by any independent medical person.
They have just interrupted my GP notes incorrectly and based their desision on that.
I am awaiting this all in writing from them and am going to appeal to the FSO but I wonder does anyone have any input, advise or opinions ?
I find it had to accept that they are basing my " none disclosure" on interrupting my GP note differently than she did and then I was knew about myself.
Thanks
I had an income protection policy with a few yrs.
Hen I made the application I ha ad a hip condition diagnosed and had had surgery. This was disclosed on my application and and an exclusion applied to that hip.
I have now been out of work for 1 yr due to another illness and surgery. I made a claim on the policy after 3 Mts when I knew that I wouldn't be well enough to go back to work as quickly as I thought.
They denied my application because of none disclosure and voided my policy.
The points they made were the following
1 . On the application form they asked if I had ever sure ref with back pain or a back issue. I had said no. But the asked for all my GP notes going back 5 yrs. and found that I had referred pain from my hip issue toward my back. To me or my GP this was nothing to do with my back it was hip related and I obviously didn't consider myself to have back issue of pain.
2. The 2nd issue was that they had asked if I ever suffered with stress anxiet depression. And I had t. But they had found 1 time when my brother was seriously and suddenly ill I had gone to my GP exhausted and very upset. My GP was away and I saw a locum who didn't know me. She ? On her notes maybe depression. I took time off work - I was back at the gp days later already feeling better.
My GP had written a letter denying their claims of none disclosure and said their interpretation of her notes was incorrect.
I did not have back issues. And the stress I experience was normal stress due to family issues and not anything she had medicated me for or referred me for treatment for.
I apple alex the desision to the company friends first and they said they reached the same conclusion
I am not off work for any of those two reason.
They have not asked me to be reviewed by any independent medical person.
They have just interrupted my GP notes incorrectly and based their desision on that.
I am awaiting this all in writing from them and am going to appeal to the FSO but I wonder does anyone have any input, advise or opinions ?
I find it had to accept that they are basing my " none disclosure" on interrupting my GP note differently than she did and then I was knew about myself.
Thanks
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