I have been paying for income protection for a decade, with three years spent with the provider. After falling seriously ill in 2025, both the company doctor and my GP advised that I was unfit to work. Unfortunately, I'm still suffering and facing financial strain. I genuinely want to recover and return to work, but I've been waiting on my claim outcome, which my GP has clearly indicated is justified. Yet, the company does not recognize mental health and severe trauma as legitimate reasons for being unable to work. Despite the company doctor's advice against returning to work, the provider insists I should be able to. It feels like all the money spent on protecting my income has been wasted. The claims team was dismissive and unhelpful, and even though one representative apologized for her tone, it felt condescending. I plan to cancel all my products with the company, as they lack customer compassion. I feel discriminated against due to my mental health, which should not be a factor in assessing my ability to work. This experience has left me feeling abandoned during a vulnerable time. I strongly advise against getting income protection from this provider; they have a poor payout record. Even after paying a significant monthly fee for many years, I'm left without the support I need. Please be cautious.
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