I’ve been on LTD since 2015. The Insurance Company sent me for an IME a year ago and are now claiming that I’m fit to go through their Rehab program and return to work to work. My GP is supporting me fully and feels that it would be detrimental to my health… However, they simply ignored everything I said and everything my GP said and have told me that her opinion is subjective. I have refused to budge and so they have terminated my payments, which wasn’t totally unexpected, but obviously leaves me in a precarious position yet again as I have absolutely no income.They have told me outright that they are basing this push for me to go back to work, solely on this IME Report. I’ve gone through the IME Report myself and as expected, it is unfair, biased. insulting and has several outright lies in it, ones that I can actually prove as well as unfounded theories that my own medical files and life will disprove, if given a chance.
I know I can appeal the Insurance companies’ decision and try and get them to reinstate my payments but that just puts me right back under their thumb and I know they’ll never leave me alone. I’m not sure I can take living like this too much longer., dealing with them on top of the health issues has been a nightmare and to be honest the only reason I’ve stuck it out this far is because I know I’m genuine and I’m also stubborn and it’s just myself so I’m not having to worry about ending up homeless with kids etc. Anyway, I’m at the point at which I think I would prefer to just take a chance and straight out sue them and try to free myself from them once and for all. I know I have the ethical and moral high ground (all of us do) but I obviously don’t have the legal expertise needed to know for sure that I even have a case?
I’m just wondering if anyone is in or has been in a similar position and has any advice to offer? @David_Brannen David, any input at all would be greatly appreciated, I just really need to know that I’m not way off base here and obviously either way, I’ll require a lawyer, thanks.
Also, I have to say, I find what the Insurance Company do to people and the fact that they get away with it absolutely reprehensible. I was so sick and clueless the first couple of years that I had no idea what was going on and at times I thought I was losing my mind. I know there are many more people like me fighting this fight. To that end, if you are just starting down this path or just realising what’s involved, please feel free to contact me. There are things you can do from the start that will help you throughout all of this and I’m happy to share “lessons learned” so to speak because you will have to learn to advocate for yourself throughout all of this.
Thanks All & Stay Safe🙂