Critical Illness Cover - FTB

busicat

Looks like we’re mostly agreed then.

ACG wrote: »

Its income protection for your own occupation - not own job.

[FONT=&quot]Yes, that’s what I was saying: “"own occupation" is usually judged by inability to do any job falling into your category of occupation, as opposed your own actual job,”.[/FONT]

[FONT=&quot]So now we’re on the same page with that, we’d both also agree “you couldn’t take 5 years off due to stress and then return to the same job you previously had with the same employer”. No-one expects a job to be kept open all that time. But that’s not the issue. [/FONT]

[FONT=&quot]The issue I raised is what’s the test of disability at the start of the claim and is that what most people reasonably expect?[/FONT]

If it’s cover for paying out if you're too ill to do "your own occupation", I’m betting most people expect it to mean if the medics all say you’re too ill to be at your work just now, you pass the test.

I figure some would be surprised to have the insurer say “No, even though the doctors say you’re too ill to do your job, and we agree that in practice your illness stops you doing that one, we think you’re well enough to do another theoretical one of the same type. “

Or is it just me?