Redundancy, while off sick from work???

paddy147

My sister has been off sick long term for the last 14 months due to a severe illness.She currently gets 201 eur per week Invalidity benifit.

Her employers kept her job for her and kept her on their list of employees as they were decent enough to do so.

Unfortunately,this morning she was made redundant along with a few other employees due to the company sufferering big financial loses since Christmass.

Her employeer told her to go straight to the Social Wellfare office with the RP50 form

She went up to the Social Wellfare office and asked them what happens next.

They told her she not entitled to anything as she cannot have 2 social wellfare payments,as shes on invalidity payment each week.



Now this is where it get really tricky.

She has a personal bank loan,and she has payment protection in the event of redundancy.

But the payment protection company say they will not pay the redundancy payment protection out,as shes on invalidity payment and not getting Job Seekers allowance,so therefore the Social wellfare will not be able to fill in their part of the payment protection form.

The financial company say that she MUST sign on and get Job seekers benifit for them to pay out on the loan payment protection policy.



So my question is.....where does she stand with regards social wellfare and being made redundant.

Is she entitled to anything now that she was made redundant,apart from the invalidity???


And is she entitled to the payment protection payout as she was made redundant.

Is there any way to force the payment protection company to pay out on the redundancy protection for her loan????


Many thanks

cee_jay

For the social welfare side of things, it all depends on if she is fit for work or not.
If she is still unable to work due to illness she has to stay on her current payment.
If she is fit and able for work, and is looking for work, she can claim jobseekers.
You can't claim both together - its either one or the other. If she is fit for work, she will need a certificate of fitness from her doctor to say so, and submit a final social welfare medical certificate.
As for the payment protection, sorry but I can't help you there. If you want I can move the query to Banking forum where they may know more?

eastbono

A friend of mine was on illness benefit for almost 12 months due to breast cancer and she was able to avail of her mortgage protection plan. Due to the fact she was on Illness Benefit she was able to get her doctor to sign the form every month... maybe this is what has to happen with this situation.

mrsbyrne

im totally baffled as to why she was taking an RP50 to SW office. that is completely wrong. it would appear to me that your sisters former employers are declaring that they cannot afford to pay your sister any redundacy. is that what happened? if so, then the employer should have completed the RP50, your sister should have signed the box on the right hand side of the page (see below)

http://www.deti.ie/forms/formrp50.pdf

the employer then sends it off to the social insurance fund with a statement of their affairs (proving that they could not afford the redundancy) and an accompanying letter stating that they are aware that they are still liable for 40% of the redundancy.SW do do deal with redundancy. SW would not know any thing about the RP50 it is nothing to do with them. Dept of Trade, enterprise and employment deal with redundancy. the only thing i can think of is that the employer somehow thought that the rp50 would do as a proof to the SW that your sister was made redundant. but as already pointed out to you, your sister cannot claim Jobseekers while she is on invalidity pension. if she gives up her invalidity pension to go on jobseekers she will be down 5 euros or so a week she will lose her free travel her free electrcity units and her free landline and free tv licence (if she has them). there is no logical sane reason for her to switch to jobseekers. please go to your local CIC on monday for more information.

paddy147

eastbono wrote: »

A friend of mine was on illness benefit for almost 12 months due to breast cancer and she was able to avail of her mortgage protection plan. Due to the fact she was on Illness Benefit she was able to get her doctor to sign the form every month... maybe this is what has to happen with this situation.

Thanks,thats encouraging to know.:)

paddy147

My sister got her redundancy cheque this morning,she signed for it,but she was also given a copy of the RP50 form,with her signature on it and the amount of redundancy she recieved.According to my sister,her boss just said to her and go down th the local SW office with the form as proof that she has been made redundant.


I know that she got the household benifits package,after a means test and also a medical examination that she went for with the SW medical examiner (I went with her into Osion House in Dublin,for moral support)

Her illness is serious and will be a long term recovery (30-40% chance of being partily dissabled for the rest of her life,according to her doctors).

Its an understatement to say this.......but she is devestated that the financial company who supply the payment protection policty are refusing to deal with her.

I cannot for the life of me understand why a financial company will not cover her loan repayments,when she has been made redundant,as thats what her loan payment protection plan covers (redundancy).

The company are insistant that she can only claim the protection cover if she signs on and gets JSB and also gets the Social wellfare to sign the form and also provide reciepts too.

My sister is in bits over this,and Im rather pi55ed off now,as I cannot understand how financial companies can do this to people.

She payed extra money each month for payment protection,in the event of redundancy,but now she cant get it???

WTF is wrong with the financial companies and their idiotic rules????:mad::mad:

cee_jay

Your sister would have to supply the RP50 to Social Welfare if she wanted to claim Jobseeker's benefit. However, as she is on invalidity she doesn't need to do this.

Perhaps her payment protection plan does not cover sickness? And that is currently what she is claiming? I would check the plan to see what cover there is for sick leave - perhaps instead of telling them she is redundant she needs to emphasis that she is out on long term sick leave? I don't know how these things work though.

mp22

Start here http://financialombudsman.ie/ as there is proof of redundancy ie cheque p50 ect,you would image that the insurance policy should pay out.

Keep all dealings with the ombudsman and the finance house in writing (just to cover yourself).

paddy147

cee_jay wrote: »

Your sister would have to supply the RP50 to Social Welfare if she wanted to claim Jobseeker's benefit. However, as she is on invalidity she doesn't need to do this.

Perhaps her payment protection plan does not cover sickness? And that is currently what she is claiming? I would check the plan to see what cover there is for sick leave - perhaps instead of telling them she is redundant she needs to emphasis that she is out on long term sick leave? I don't know how these things work though.

her payment protection covers redundancy but not sickness.

She said to the financial company that she wants to get the payment protection to kick in and cover her loan payments,seen as she had been made redundant.

They told here not a hope in hell of them paying out to her,as she has to sign on with the social wellfare,as they say thats part of the terms and conditions of redundancy payment protection.

To say that my sister is angry,very upset,totally pi55ed off and wanting to unleash absolute hell on the financial company would be an understatement.

She has redundancy payment protection,and she has been made redundant,but how in the hell can she avail of it when she cannot sign on due to being seriously ill???

Is it a case of yet another financial provider trying to wriggles out of paying out to a policy holder??????:mad:

paddy147

mp22 wrote: »

Start here http://financialombudsman.ie/ as there is proof of redundancy ie cheque p50 ect,you would image that the insurance policy should pay out.

Keep all dealings with the ombudsman and the finance house in writing (just to cover yourself).

Thanks,she was talking about contacting the ombudsman this morning to her friend.

Thanks for the link and advice.:)

mrsbyrne

paddy147 wrote: »

Thanks,she was talking about contacting the ombudsman this morning to her friend.

Thanks for the link and advice.:)

the ombudsman will only deal with you if you have exhausted the complaints procedure with the insurance provider first.

eastbono

paddy147 wrote: »

her payment protection covers redundancy but not sickness.

She said to the financial company that she wants to get the payment protection to kick in and cover her loan payments,seen as she had been made redundant.

They told here not a hope in hell of them paying out to her,as she has to sign on with the social wellfare,as they say thats part of the terms and conditions of redundancy payment protection.

To say that my sister is angry,very upset,totally pi55ed off and wanting to unleash absolute hell on the financial company would be an understatement.

She has redundancy payment protection,and she has been made redundant,but how in the hell can she avail of it when she cannot sign on due to being seriously ill???

Is it a case of yet another financial provider trying to wriggles out of paying out to a policy holder??????:mad:

She has a serious problem if it only covers redundancy. My friends policy covered both but these policies only kick in for 12 months. Unfortunately you sister is in a catch 22 situation as she is not fit for work and cannot claim JSB and I am presuming to avail of the terms of her policy she would need to be in receipt of JSB and not Illness Benefit.

paddy147

eastbono wrote: »

Unfortunately you sister is in a catch 22 situation as she is not fit for work and cannot claim JSB and I am presuming to avail of the terms of her policy .

Seems like a catch 22 situation allright

eastbono wrote: »

she would need to be in receipt of JSB and not Illness Benefit.

Thats the problem right there,she cant get JSB as shes seriously ill.

wmpdd3

I would post your issue on the banking and insurance forum too as they're seems to be some posters involved in the industry that must have seen this issue before.


http://www.boards.ie/vbulletin/forumdisplay.php?f=544

TakeThat0808

She should cancel the PPI immediately as its of no benefit to her, at least that might lower her repayments. Does she feel that was mis-sold the policy? If so, she should write a letter of complaint to ask for a refund of the premiums paid.