Need Advice - Urgent - Husband long term sick

ranah35

Dear All

I was wondering if you could help. My husband has been off work long term sickness due to an operation that he has not been able to recover from (back operation - now has limited mobility)

Last month his employers terminated his employment due to ill health. We expected this to happen. He recieves a payment of upto 70% of his salary through a company insurance.

Only last year in March was it agreed that he was able to claim DDL (mobility).

I work fulltime and earn a relatively decent salary however we are sturggling to make ends meet as the costs of rent etc are extortinate.

Does anyone know if my husband is entitled to claim anything else. We have never claimed anything and I returned back to work after my baby was 5 months old hence never claimed anything.

Any advice would be greatly appreciated.

regards

MrsManda

You can put your details into the benefits calculators below to see what happens
http://www.turn2us.org.uk/benefits_search.aspx

https://www.dwpe-services.direct.gov.uk/portal/page/portal/ba/lp?_piref278_36249_278_36248_36248.__ora_navig=

Is he claiming Employment Support Allowance?
What rate DLA does he claim (I presume that's what you mean by DDL?)
How much savings do you have?

If you have a low income you may be entitled to income based benefits such as Housing Benefit, Council Tax Benefit... It's a good idea to call the benefits line to go through it with them.

Low Income Benefits

Benefits for Ill/Disabled people

Benefits for Caring - possible to claim if your husband is claiming middle/high rate DLA

Jobcentre Plus benefits

If you need to make a claim for benefit call 0800 055 6688. If you find it hard to speak or hear clearly a textphone is available on 0800 023 4888. Lines are open from 8.00 am to 8.00 pm, Monday to Friday.

Housing Benefit and Council Tax Benefit is claimed through your local council

Sunflower001

Hi, Is his Company's Insurance scheme written within his Contract, as he could sue for "breach of contract" if he is on long term sickness, as most Company Schemes specify that they will pay up to 75% of wages until retirement age of 65 years, unless they go back to work or die in the meantime?

dmg24

Sunflower001 wrote: »

Hi, Is his Company's Insurance scheme written within his Contract, as he could sue for "breach of contract" if he is on long term sickness, as most Company Schemes specify that they will pay up to 75% of wages until retirement age of 65 years, unless they go back to work or die in the meantime?

Did you make that up in your sleep?

Evilbadger

He should be able to claim Employment Support Allowance - if he is unable to work at the moment due to ill health. This is the alternative to Job Seekers Allowance (which would expect him to be looking for work at the moment). Worthwhile investigating, or speak to a Welfare Benefits advisor from your local CAB who should be able to advise further. Good Luck, and I hope the situation improves.

- EB

dmg24

Evilbadger wrote: »

He should be able to claim Employment Support Allowance - if he is unable to work at the moment due to ill health. This is the alternative to Job Seekers Allowance (which would expect him to be looking for work at the moment). Worthwhile investigating, or speak to a Welfare Benefits advisor from your local CAB who should be able to advise further. Good Luck, and I hope the situation improves.

- EB

He should be aware that any ESA *may* be deducted from his insurance payment, depending on the terms of the policy.

Evilbadger

I added to speak to a WB advisor as I don't know how the Insurance payment (i assumed a one-off payment from the OP's post) would interplay if monthly. Good luck OP - hope you can get some assitance :-)

-EB

Sunflower001

Originally Posted by Sunflower001
Hi, Is his Company's Insurance scheme written within his Contract, as he could sue for "breach of contract" if he is on long term sickness, as most Company Schemes specify that they will pay up to 75% of wages until retirement age of 65 years, unless they go back to work or die in the meantime?
Did you make that up in your sleep?

Don't quite understand your flippant comment above DMG24, as if he has been employed by his Company for a number of years and has an Employment Contract to say he automatically qualifies for PMI within his Company's Scheme when he joined, then yes, they would be in "breach of contract" if they dismissed him, as this states that he will be paid until he retires, leaves the company, dies or goes back to work due to ill health.

dmg24

Sunflower001 wrote: »

Originally Posted by Sunflower001
Hi, Is his Company's Insurance scheme written within his Contract, as he could sue for "breach of contract" if he is on long term sickness, as most Company Schemes specify that they will pay up to 75% of wages until retirement age of 65 years, unless they go back to work or die in the meantime?
Did you make that up in your sleep?

Don't quite understand your flippant comment above DMG24, as if he has been employed by his Company for a number of years and has an Employment Contract to say he automatically qualifies for PMI within his Company's Scheme when he joined, then yes, they would be in "breach of contract" if they dismissed him, as this states that he will be paid until he retires, leaves the company, dies or goes back to work due to ill health.

You made an assumption that all policies are the same - far from it. It *may* be worth him taking further advice, but telling someone they could sue for breach of contract without knowing further details is not good advice.