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Need advice. Insurance company taking away my income. **Read MOD note Post 35**

2

Comments

  • Registered Users Posts: 4 connber


    I have an appointment with this person. Any advice/


  • Banned (with Prison Access) Posts: 2,196 ✭✭✭the culture of deference


    connber wrote: »
    I have an appointment with this person. Any advice/

    is it the <doctor>?, your appointment will be for X time, <doctor> will be seeing you for 25mins, your ins co. will get a 12 line report in 4 weeks.


  • Registered Users Posts: 4 connber


    Attended as stated. Was turned down. Does anyone have a positive result from ombudsman?


  • Boards.ie Employee Posts: 12,597 ✭✭✭✭✭Boards.ie: Niamh
    Boards.ie Community Manager


    MOD note:
    I have tidied up this thread to edit any comments that may identify an insurance company or doctor. Please be careful not to issue any identifying info in any further posts, i.e. location, name of insurance company or name of doctor.

    Thank you,
    Niamh.


  • Registered Users Posts: 3 anothrkrok


    I have been treated likewise re income protection,by insurance co. with their hired docs.disgraceful.Am fighting back as draining as it is! would like2 hear from Niamh or akrock or anyone in in a similar situation!


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  • Registered Users Posts: 3 anothrkrok


    nice to hear from you. terrible treatment, when one is at their weakest bt outfits that advertertise themselves as caring! it is well known about these hired doc holidays! they should be named and shamed.Rgds akrok


  • Registered Users Posts: 2 w2darren


    I also have had my I-P Stopped from an Irish insurance company, i am just awaiting the final decision from the ombudsman, ( it,s at the last last process which should take about 6 to 9 weeks) the whole process, from the internal appeal to date has taken 14 months. YOU must fight it if you are genuine.

    I am still in shock that the insurance company independent consultants, stated that i was fit to return to my normal occupation.
    I don't think it matters that my own consultant stated otherwise,
    I think the insurance companies want to weed out the bad and if that means that some genuine are also weeded out well all the better for the insurance companies, but not for us.
    You just have to try to cope with the stress and remember it takes a while.
    So once you have tried the internal appeal process, you should go to the Ombudsman.
    best of luck


  • Registered Users Posts: 3 anothrkrok


    Am in the same situation. have you had any luck! Rgds amakrok


  • Registered Users Posts: 2 w2darren


    Hi anothrkrok,

    as i have said i am awaiting to hear from the Ombudsman, this is the final stage and it could take anything from 6 to 9 weeks, but these are just guide lines, depending how complex the case is.
    best of luck yourself


  • Registered Users Posts: 4,381 ✭✭✭snorlax


    Would it be worth checking if the doctors are mis-diagosing people are properly registered with the irish medical council and maybe to write to them about the case with the support of a consultant who has diagnosed the condition. Doctors like any other health profession are supposed to follow standards of care.


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  • Registered Users Posts: 19 Boronia


    What a depressingly real thread for someone about to start into the process.....I have my phone interview with a nurse in the UK today. I also have Fibromyalgia. Still it's better to be forewarned that it may be a battle to get what I am entitled to under a scheme that I joined and have paid into for many years. I hope some of you have successful outcomes.


  • Registered Users Posts: 1 Bear13


    Hi Guys,
    Just wondering if any of you got sorted?
    I have been off work for nearly 9 months, but my Income Protection was only due to kick in from 2nd March as my employer paid me full pay till then.
    I suffer from adhesions, chronic pain, fibromyalgia, migraines and a weakness in my right leg. My husband is my full time career but also has to work full time so we can keep a roof over our heads.
    As he earns just enough, it means we earn too much so I am not entitled to home help or anything apart from illness benefit.
    Though my employer's doctor along with my own GP and consultants have all confirmed that I am unfit to return to work indefinitely, I had a 2nd medical for ICP on Monday 19th May.
    I would greatly appreciate any info you have that will help me understand the delay.
    Many Thanks


  • Registered Users Posts: 542 ✭✭✭Liam D Ferguson


    Hi Bear13,

    I got your PM. I can't really comment about your specific case without knowing the full background and seeing the full file. All I know is what you have PMed and what you've posted here.

    In this instance, it seems you have Income Protection cover through your employer. Is it an individual policy that you bought yourself or a group scheme? The broker for the Income Protection scheme or policy should be helping you with your claim. Put the following questions to the broker...
    • When does s/he expect this claim to be paid?
    • Are there any exclusions on your cover?

    If your illness is not excluded from your policy and it renders you unable to work, then the claim should be paid.


  • Registered Users Posts: 19 Boronia


    Hi all...well my Salary Protection claim was "Denied" and I am appealing..anyone had success going through a solicitor?


  • Registered Users Posts: 542 ✭✭✭Liam D Ferguson


    Boronia wrote: »
    Hi all...well my Salary Protection claim was "Denied" and I am appealing..anyone had success going through a solicitor?

    Sorry to hear it. What was the reason given for the denial?


  • Registered Users Posts: 19 Boronia


    Hi Liam,
    I dont have it in writing yet from the company but they denied it over the phone and the reason they gave was that my Medical Evidence "was not strong enough".

    I have requested a copy of the Medical reports (from my Consultant and their Independent Medical Specialist) which they say will come to my Doctor this week. I had been reading about a High Court Case that was won against an Insurance Company this year by a person who also has a diagnosis of Fibromyalgia and I thought maybe a solicitors letter may aid the strength of my case.


  • Registered Users Posts: 542 ✭✭✭Liam D Ferguson


    That's certainly disappointing. If you are not capable of working due to your illness, then the claim should be paid. Is there a broker involved? If so, have you contacted the broker to help fight your case? It might be an alternative prior to incurring the expense of a solicitor.


  • Registered Users Posts: 19 Boronia


    I have only dealt with the brokers so far, apart from a telephone interview. It may be worth me ringing them to ask will they help me to fight it and see what they say. I will PM you.


  • Registered Users Posts: 393 ✭✭skippy2


    If your consultant deems you unfit for work and they try to overrule it. Get your consultant to send them a stiff letter asking them are they calling him/her a liar and are they questioning his/her professionalism. Their so called independent consultants are far from independent as a lot of people are finding out

    If you're consultant deems you unfit for work as far as i am aware no employer can accept you back to work until you are deemed fit to do so


  • Registered Users Posts: 3 Cathalniamh


    hi there I have been out of work for last 12 months and received a diagnosis of fibromyalgia just this week.a gp in passage cork diagnosed me.i have two questions
    1 can somebody recommend a consultant who specialises in this area,I have seen a neurologist and a rheumatologist who skirted around fibromyalgia but did not want to rubber stamp it.private message me if it is not allowed to name actual persons
    2 can I claim on my illness protection insurance even though I have been out of work for a year alllready.
    This past year has been disaster scans,mri scans,2 nerve blocks,2 sacroiliac joint blocks and epidural,never mind all the combinations of medication that does not work.i am starting a new therapy with Dr in passage cork which involves quantum integrative medicine.it sounds bonkers but frankly after 20 years of constant pain and finally getting a definitive name for my condition I will do whatever it takes to be me again.sorry for ramble ,all suggestions and help appreciated.


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  • Closed Accounts Posts: 4,958 ✭✭✭delthedriver


    Folks, engaging the services of an Employment Law Specialist should help your situations. A Solicitor who is expert on all things involving employment matters like Permanent Health Insurance is a must.

    Insurance Companies are getting away with murder in these cases, get a specialist solicitor.


  • Registered Users Posts: 520 ✭✭✭imokyrok


    Cathal Niamh find out what fibromyalgia support group is operating in the Cork area and get recommendations from them. I now attend the Pain Consultant in St. Vincents Private Hospital in Dublin. I have all those procedures you mention and then some. None helped the Fibromyalgia but a neuro stimulator implant has helped the daily migraine that accompanies my fibromyalgia. However you really want to be suffering severely with headaches to go down that route. It has been grueling but ultimately worth it for me.

    With regard to the firbro pain after trying everything under the sun I found that simple daily walking, pacing activity, stress reduction, and a combo of tramadol and solapdeine keeps my pain at a bearable level for having some quality of life. But I have had to accept that I can't work and do all the activities I would wish to do if normal and this had been one of the most difficult aspects to come to terms with. I recommend finding a good cognitive therapist to help with the latter.

    I would respectfully suggest you don't waste your time, money and hope on so called 'alternative therapy'. I used to. Probably spent thousands on them in the nineties especially. But with the advent of the internet and access to peer reviewed studies I came to realise that they were all little more than scam artists trading of an ability to charm their clients into thinking they were sincere. Not one of them has something worth offering and most of them will charge you more than a qualified doctor for the privilege of their con artistry.

    I'm not sure about your specific insurance plan. I had permanent health salary protection insurance through my place of work and I claim on that. It is not much as I had already gone part time to try to cope with my illness so just get two thirds of a half time salary but it is better than nothing. If you do qualify on your insurance for ongoing salary the insurance company will torment you with reassessments sending you to a different person every year or so until they find someone who will dismiss your condition. This is when you will need a good strong minded professional consultant in your corner willing to send them a strongly worded letter supporting your inability to work. Generally they back off as long as you fight your corner. I did get my income stopped once but was reinstated after about three months probably thanks to my consultants strongly worded letter and my determination to fight. I'm told that after ten years they are obliged to stop this harassment but I haven't been able to confirm that fact. An acquaintance did have recourse to this ten year rule but she had the powerful teachers union fighting her corner so I'm not sure it applies to everyone. You may need the help of a good consultant for social welfare assessments as well although I have found the medical social welfare assessor for my area to be very ethical and understanding. Best of luck with managing this life changing circumstance. It won't be easy and I hope you have some family to support you.


  • Registered Users Posts: 28,012 ✭✭✭✭looksee


    imokyrok wrote: »

    I would respectfully suggest you don't waste your time, money and hope on so called 'alternative therapy'. I used to. Probably spent thousands on them in the nineties especially. But with the advent of the internet and access to peer reviewed studies I came to realise that they were all little more than scam artists trading of an ability to charm their clients into thinking they were sincere. Not one of them has something worth offering and most of them will charge you more than a qualified doctor for the privilege of their con artistry.
    .

    In some ways I don't dispute what is being said here, there is some arm chancing going on. However I don't think you should easily dismiss all alternative therapy, especially for a condition that has only recently been accepted by the medical profession.

    I have seen a couple of very genuine good results from alternative therapy, one for someone with 10 years of ME and the only relief she got was from herbal treatment, eventually it was cleared up by this treatment and she is now well and strong. The other is for a child who was too young to be influenced by emotional reaction to someone, who has a very serious disability and was recently helped considerably by what I think was a 'laying on hands' situation. Actual physical improvement.

    I am very sceptical about this kind of treatment, I too have spent money on various things to no avail, and I totally agree there are some con men out there. I prefer a medical and scientific approach to medicine, but just sometimes there are things that work. How you sort which is which, and how you avoid giving money to chancers I am not sure, but no harm in being a bit open minded, while avoiding being gullible.


  • Registered Users Posts: 19 Boronia


    hi there I have been out of work for last 12 months and received a diagnosis of fibromyalgia just this week.a gp in passage cork diagnosed me.i have two questions
    1 can somebody recommend a consultant who specialises in this area,I have seen a neurologist and a rheumatologist who skirted around fibromyalgia but did not want to rubber stamp it.private message me if it is not allowed to name actual persons
    2 can I claim on my illness protection insurance even though I have been out of work for a year alllready.
    This past year has been disaster scans,mri scans,2 nerve blocks,2 sacroiliac joint blocks and epidural,never mind all the combinations of medication that does not work.i am starting a new therapy with Dr in passage cork which involves quantum integrative medicine.it sounds bonkers but frankly after 20 years of constant pain and finally getting a definitive name for my condition I will do whatever it takes to be me again.sorry for ramble ,all suggestions and help appreciated.

    Ask your Illness Protection company for a copy of the policy document or scheme and see what their wording is. Mine needed the magic phrase of "totally disabled from carrying out the duties of your current profession". If you can claim on the Illness Protection then you need a Consultant who will put the Fibromyalgia diagnosis on paper for you, with all the reasons why you can't carry out the different aspects of your job.
    I went to a Consultant Rheumatologist in Galway who gave me the diagnosis, including Chronic Fatigue Syndrome, but would not write the required report...this seems to be quite common unfortunately. Hopefully someone can PM you the name of a good consultant. I applied for mine under the Chronic Fatigue tag. Another piece of advice I got was to get a report from an Occupational Therapist outlining in detail how your physical difficulties affect your day to day living and working especially your limitations. Best of luck with it. Feel free to PM me.


  • Registered Users Posts: 396 ✭✭mille100piedi


    I have been requesting to do the same test, can anybody tell me what type of exercises are in the CPAD (chronic pain abilities determination)?


  • Registered Users Posts: 19 Boronia


    I have been requesting to do the same test, can anybody tell me what type of exercises are in the CPAD (chronic pain abilities determination)?

    Here is a link with the published information about the CPAD-
    http://www.cfsfacts.org/2008/11/assessment-of-work-capability.html
    Or this one, from the company that carries out the testing's website-
    http://www.formhealth.com/Images/home/CPAD_Paper.pdf
    I can PM you with more information about my experience of the CPAD if you like.


  • Registered Users Posts: 396 ✭✭mille100piedi


    Boronia wrote: »
    I have been requesting to do the same test, can anybody tell me what type of exercises are in the CPAD (chronic pain abilities determination)?

    Here is a link with the published information about the CPAD-
    http://www.cfsfacts.org/2008/11/assessment-of-work-capability.html
    Or this one, from the company that carries out the testing's website-
    http://www.formhealth.com/Images/home/CPAD_Paper.pdf
    I can PM you with more information about my experience of the CPAD if you like.

    I sent you a pm


  • Registered Users Posts: 2 Cwalsh49


    Hi
    I am new to boards.ie . I have been off work since October 2014 with chronic back , leg and shoulder pain , diagnosised with fibromyalgia , chronic fatigue syndrome and recent eeg showed sleep deprivation , constantly tired , no energy . I am under rheumatologist and neurologist and unfit for the type of work I was employed in . My wage protection have sent me a letter from the insurance company with a appt in my home for a CPAD assessment in November . Can anyone help me with what this entails or as anyone gone through the test ? What was it like ?


  • Registered Users Posts: 396 ✭✭mille100piedi


    I have done a CPAD test, but no matter what you do or what you say, they will always write down you are fit to work in their report!


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  • Registered Users Posts: 19 Boronia


    I have sent you a PM


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