Sudden and long-term illness is not something anyone likes to think about, but taking measures to safeguard your income when you are ill is essential for you and your family. Your employer may have Group Income Protection. If the insurer won’t pay, or seeks to terminate your claim, you need to urgently contact experts like ourselves to give you the best chance of securing the income that you urgently need.
Expert help to support your Permanent Health Insurance claim
Permanent Health Insurance (PHI), which can also be known as Income Replacement insurance, Income Protection Insurance, Long-term Disability Insurance or Disability Income Insurance policies. PHI policies are highly complex; they come with a variety of exclusions and the level of cover differs widely. In addition, PHI claimants are actively targeted by insurers, often with surveillance, pro-insurer doctors, functional evaluation testing and other methods.
Our team at Royds Withy King have over 25 years’ experience in dealing with all types of PHI dispute. If your claim has been either rejected or your existing claim has been terminated, you should seek urgent advice from us.
The illnesses we tend to deal with for claimants include;
- CFS/ME
- Chronic pain (including CRPS)
- Fibromyalgia
- Dystonia
- Lupus
For CFS/ME, we are recognised as experts by the the two leading charities ME Association and Action for ME, and have assisted PHI claimants for many years suffering from this serious illness.
Find out more about what to do in the event your permanent health insurance has been denied, is being reviewed, has been terminated, or when you’ve been offered a lump sum in our denied permanent health insurance guide here.
How much can I claim?
Claims can be very significant in size, particularly if a long-term PHI policy is being restored for payment by the insurers. The sums involved can be between £50,000 and £500,000, or even more.
How long will a claim generally take?
Time frames are hard to predict as they are dependent on many factors, such as the severity of your injury or condition.
Our team know, over many years of experience, how these claims work and how insurers are likely to behave; so the sooner you contact us the better.
Should I use the Financial Ombudsman Service (FOS) before I contact a solicitor?
No, we would recommend that you contact us first. However, bear in mind, that the FOS have a six month time limit from the date of the insurer’s Final Decision Letter.
What if my employer is treating me unfairly because of my illness?
We can also obtain rapid advice for you from our employment law department. Employers have duties in law, and also under the Disability Discrimination Act, in relation to employees who are unwell.
Our track record includes successes with claims against Unum, Liverpool Victoria, Aviva, Canada Life, Zurich and many other insurers.
Our personal injury law expertise means that have an understanding of the medical aspects of your claim and excellent links with medical experts in the right disciplines who will be able to help us and you get the right result.
We often persuade the insurers’ solicitors to honour PHI claims without resorting to lengthy and stressful court proceedings.
