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Income Protection Insurance - Your Experience


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Hi, I had my NASH on 31/10/15 and am now working about 20 hours per week.  Previously I worked 45 hours per week plus about 10 hours commute over the week.  "Fortunately", I thought, I have an Income Protection Policy which will help with my reduced earnings.  

 

In assessing my claim I underwent a neuro-psychological assessment which scored me as "Superior" in one category and "Average" in the other three.  

 

Prior to suffering the NASH I have had a career in executive roles and certainly now don't feel up to going back to these long hours with quite a lot of stress.  The insurance company are saying I am well able to go back to my former role.

 

Anyone any experience of similar "discussions" with insurance companies?

 

Many thanks

 

Graham

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Hi Graham

 

Was there a neuro-psychology report with the test results? My neuro-psychology testing had similar results but togehter with the report it found me having subtle changes in the way I work and learn and my resilience to work.

 

My occupational health department decided that although my difficulties were subtle, they were there and therefore I should be treated with disability legislation. Very helpful for me as it means I can limit the amount of time I spend carrying out certain work tasks.

 

I presume the  neuro-psychology report was requested by the insurance company and is therfore probably weighted in their favour. See if you can get your own report done.

 

Good luck, sorry can't be more helpful.

 

Clare

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Hi,

 

Thanks for these comments.  I did receive a report and to be honest I thought it was very fair.  When I asked the psychologist how she would know if there had been any change in brain function she admitted that without a "before" and "after" test it was hard to know. 

 

However, she told me if there was a wide divergence of scores it was likely that the SAH had impacted brain function.  The report does show this wide divergence and also draws attention to this.  It seems the insurance company have conveniently not taken this into account.

 

I will keep you posted with the outcome of my appeal.

 

Many thanks

 

Graham 

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And that Graham is what you need to work on. It is imposible to do a before and after test which is why they have control parts built into the test to ascertain your general intellectual capability and this would have been taken into account. The fact that there is a wide divergence of scores proves that you have been affected and I think it seems unfair that the insurance company have conveniently decided to ignore it.

 

Good luck with your appeal, I think it is sad that you have to work so hard to get what they probably used the hard sell on, to sell the policy to you buy in the first place. 

 

I have not returned to my previous level of employment, fortunately I was able to afford the drop in salary.  I think an awful lot of people who have suffered a bleed find it hard to return to their previous hours, at least in the first instance. I wish you all the luck.

 

Clare

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Thanks Clare,

 

Very helpfully, and totally unexpectedly, I have discovered that one of the guys my 25 year son plays five-a-side football with is a Chartered Psychologist, with 20+ years of experience in specialising in returning to work following a brain injury. 

 

He has read the neuro-psychological report and the "decision of the insurance company."  He says it is clear from the report that I am not able to perform at previous levels and has written a response to the insurers on my behalf!  Well that is what friends are for!

 

Thanks again, I will keep you posted.

 

Graham

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Wow Graham you certainly have been very fortunate there! It's not what you know but who you know :)

 

Sounds like you will hopefully get a good result. I do think these insurance companies are crooks really. From never giving their best price on renewal premiums until you phone up and barter, to situations like yours. They really don't do themselves any favours in the popularity stakes!

 

Keep us posted on your progress and hopefully it will be more positive.

 

Clare xx

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Hi Graham

 

As Clare said it is clear that many people do suffer from a reduced capacity for work after a haemorrhage.

 

I have never had any neuro- psychological assessments myself but don't really understand how relatively short duration testing could evaluate your capacity for work. Surely testing can only assess your capability for work.

 

Good luck with your appeal.

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