I have been paying for income protection for a decade, with three of those years spent with the provider. After becoming severely ill in 2025, both the company doctor and my GP confirmed that I was unfit for work. I am still struggling and facing financial difficulties. I genuinely want to recover and return to work, but I am still waiting for my claim decision, which my GP has stated is warranted. Unfortunately, the provider does not acknowledge mental health and severe trauma as valid reasons for being unable to work. Although the company doctor advised against my return, the provider insists I should be capable. It feels as though all the money I've invested in income protection has been in vain. The claims team was dismissive and unhelpful, and while one representative did apologize for her tone, it felt patronizing. I plan to cancel all my policies with this provider, as they lack customer compassion. I feel discriminated against due to my mental health, which should not impact their assessment of my work capability. This situation has left me feeling abandoned during a vulnerable time. I strongly recommend against obtaining income protection from this provider; their payout history is concerning. After years of paying a significant monthly fee, I find myself without the necessary support. Please be cautious.
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