Anxious about being on sick pay

commandunclear

Hello kind folks of PI. I was working for the past 2 and 1/2 years in a terrible environment. 12 hour days, dealing with horrible customers who would regularly hurl abuse and threaten me. I would be on the verge of tears driving to work in the morning. I had to quit in the new year due to anxiety and depression. I was in a very dark place. My doctor put me on sick pay since January 6th due to stress. I'm starting to get paranoid that this will tarnish my record if I ever go to apply for a loan or a mortgage etc. I've been feeling better lately and I have a job set up for the end of May in another country. I'm just worried and anxious that being on sick pay for a few months will forever be on my record.

Dughorm

Potential employers don't get access to the sick pay records relating to past employments?

Glad to hear you're feeling better now. Best of luck with the new job and new country.

commandunclear

Dughorm wrote: »

Potential employers don't get access to the sick pay records relating to past employments?

Glad to hear you're feeling better now. Best of luck with the new job and new country.

Thanks for the kind words Dughorm. I'm more worried about if I apply for a mortgage or loan down the line will these sick payments raise any questions for the banks.

Dughorm

commandunclear wrote: »

Thanks for the kind words Dughorm. I'm more worried about if I apply for a mortgage or loan down the line will these sick payments raise any questions for the banks.

As far as I know banks only look for 6 months bank statements for mortgage approvals, so even if these payments were made straight to your bank (and they're often paid to the employer directly now I think?) after 6 months it wouldn't matter.

Much more important to have a steady job to have a future source of income!

Hope this helps!

Ursus Horribilis

When I applied for my mortgage I had to give them a year's worth of bank statements for the savings account I was using to save for the deposit. 6 months was all they wanted for my current account. I don't know what the criteria is where you're moving to but that's probably the lifespan of what they'll want. What causes far more damage than being out sick is if you don't keep up loan repayments or that sort of thing. In Ireland that goes onto your record in the Irish credit bureau and takes 6 years to roll off.

ted1

Did you actually quit ? It's a little confusing

commandunclear

ted1 wrote: »

Did you actually quit ? It's a little confusing

Yes, I quit.

Roselm

commandunclear wrote: »

Hello kind folks of PI. I was working for the past 2 and 1/2 years in a terrible environment. 12 hour days, dealing with horrible customers who would regularly hurl abuse and threaten me. I would be on the verge of tears driving to work in the morning. I had to quit in the new year due to anxiety and depression. I was in a very dark place. My doctor put me on sick pay since January 6th due to stress. I'm starting to get paranoid that this will tarnish my record if I ever go to apply for a loan or a mortgage etc. I've been feeling better lately and I have a job set up for the end of May in another country. I'm just worried and anxious that being on sick pay for a few months will forever be on my record.

It's more likely to affect the life assurance policy you will need to take out if you get a mortgage. They will ask for a detailed medical history. But really they want your custom so the fact that you're back to work again so soon I'd say it will just increase your premium a little (as you're a little higher risk) and that they will happily take you on

LegacyUser

Are you on sick pay from your your employer, or disability benefit from social welfare? I think the answers you get will differ, depending on which source of money you are in receipt of. Your post is a bit confusing - if you've quit, then I can't think how you'd be on sick pay??

commandunclear

Sorry folks I meant 'illness benefit' from the state. Not a hope in hell of getting any sick pay from my previous employer.

ted1

commandunclear wrote: »

Yes, I quit.

So it's the same as being on the dole. Once you start working again and are outside the probation period of your contract you should be ok.

bigpink

Dont worry about it now
You needed to get out of it by the sounds of it you have done the right thing
What kind of a job were you doing you got so much abuse?

commandunclear

Thanks for all the advice folks I was working for one of the high street bookies.

ivytwine

Oh god mate I worked in a bookies for four years and by God it'd age you. I hope you get sorted soon, but any job-even another retail- will be easier than having to deal with the yokes you get in the door.