Hi
I was wondering if anyone out there is on income protection. I am having alot of problems with mine. When I got my last job I took out superannuation as required in australia, there was a seperate policy offered for income protection and total disablement. I took this policy out and advised of my crps which i was covered for. I had been working at my job for a year when i had a huge flare up and subsiquently lost my job. My insurance company payed me without issue for the first 6 months as it became clear to them that my condition was in fact getting worse they have made it harder and harder each month to obtain the payments, another problem i have is that my specialists refuse to fill in the insurance form because they work in a public hospital and dont have the time so i rely on my gp to do them. if he was to stop doing them then i am a bit screwed. I began recording my phone conversations with the insurance company and one thing i noticed is that they will ask me the same question over and over just in a diffrent way almost to try and trip me up, they try and put words into my mouth so now i have advised i will only communicate through emial. One example is I was referred to a occupational health physician by my gp, the OHP refused to take my case on and sent me an sms message advising this, when my insurance company asked if i had seen him i advised of the fact. This was two months ago i have since found a OHP who will take me on and am waiting for a appointment, regardless of this the insurance company keep pressuring me to send a copy of the sms as they find it unusal that the Dr contacted me direct, they do not have a mobile facility so asked me to emaiil them i advised i did not have internet facility on my phone, so they said i would have to find a way to do it. thing is i do not understand the issue when i have found a ohp, Another problem i am having is that i requested to forms for the total disablment cover as after a conversation with my specialist they were quite frank and advised that as it had been over a year since the flare up and the fact the crps is progressivly getting worse and swelling i should apply for the total disablement. My insurance assesor disagreed so i asked to speak to a senior officer, i explained it to her she was very rude to me and said that at this point i wouldent be eligable, i said that my specialist had reccomended it and that the company was happy to take my premiums each month but when it came to upholding thier end of the contract they were not so helpful., she them said to me that the payemt is for people with real diseases and disablement. How ignorant of her obviously i wrote a complaint and surprise surprise haev not recived a responce. I think my main point is that i do feel like they are purposly makeing things hard for me and in a way bullying me and in a way holding me to ransom ie i do not want to see an OHP but have to or the insurance company wont pay me which means i cant pay my mortgage, i have seen many before and each have said that i can not return to work, as my condition is worse than when i last saw one and i now have quite profound cognitive problems i hardly think this dr will all of a sudden diecide that i am fit to return to full time work, i cant even dress or shower myself so how could i work a full time job. I was just wondering if anyone had similar issues and had any advice it mwould be very much appreciated