Half Pay due to Work Related Stress - Mortgage

badskindollheart

Hi

I'm probably posting in totally the wrong place and I apologise if this is the case....

I'm on sick leave due to work related stress and have been off 4 and half months. In 6 weeks I will go on half pay. We have mortgage payment protection for sickness but I don't really understand it. I know I can't get definitive answers without you reading the policy handbook but in general:

1. Will they pay out whilst I am on half pay, or do I have to be on nil pay?

2. It is a joint mortgage and the mppi has two beneficiaries (me and DH) - do they pay the full monthly mortgage payment or just 'my half' i.e it says we are covered for £920 a month, so do they pay £920 or £460, if only one beneficiary needs to claim?

3. Do premiums sky-rocket once a claim is made?

Thanks for any help you can offer x

~Beanie~

Can't help with 1 or 2 but regarding 3, I claimed on my mortgage insurance for 6 months a few years ago and it didn't affect my premiums at all, they didn't change.

Takeaway_Addict

How far are you off looking at going back to work because 6 weeks is still a long time and I would have thought you would have a plan of action to return?

bubblegum1985

Look at the policy, I have a similar protection that spur out only after 6 months.

Ring them and ask as all policies are different.

dacouch

Have you considered looking for a different job?

getmore4less

badskindollheart wrote: »

I understand what you mean but because of the circumstances and the effect it's had on me, I'm not sure when I'll be back. Occ Health have recommended a move, which I would like, but HR are advocating Mediation. My union are taking legal advice on the situation.

6 weeks really isn't a long time and I have to be prepared for not being well enough to go back, and I'm looking at my options (which include looking for jobs elsewhere, although i'm loathe to leave an organisation that I've loved for 12yrs because of this).

HR do not seem to be acting in the best interest of the company or yourself allowing this to drag on.

Is there someone you can go to over this, the obvious one would be the boss but is they are part of the problem then that won't work.

If an alternative job within the company would get you back to work and off sick they should be looking at that option.

ValHaller

badskindollheart wrote: »

TAs Occ Health have recommended a move, I can't understand why they won't action it. I have said I will move to any available post in the region but they say they want to 'support me' and resolve the situation and Mediation will help my manager with his "somewhat brusque management style" (HR's words).

Take advice from your union. Although HR seem to be sympathetic here, I would feel that they are possibly being a bit manipulative in pushing this to mediation rather than a clean break resolution.

You come across as being mostly over this, provided that Occ Health's recommendation is upheld - ie I assume you want to move on rather than confront this manager in mediation with the things you feel need saying. My inclination for this would be to agree to a post mortem closure meeting with the manager, subject to Occ Health's recommendation being enacted. This should take the stress out for you and provide HR with what they want to give their manager.

My bet is if they agreed to this, the post mortem would never happen - but if it does, you can have about a paragraph of feed back already prepared as notes and forget about it until it happens. If it does happen, you can stick to your script and not engage.

badskindollheart

ValHaller wrote: »

My inclination for this would be to agree to a post mortem closure meeting with the manager

Thanks so much for this - it's not something I've ever heard of before, but sounds like a really good idea; just to clear the air and move on. I don't want to be awkward or confrontational, I just want to go to work and be happy:o

hcb42

in answer to the query about whether you would potentially receive the full benefit or half of it as there are two of you, this will depend entirely on whose income you agreed to cover when you took the policy out.

I claimed once on this type of cover in 2001 or so, having taken the cover out to cover my loss of earnings only, in 1997 (as the higher earner). I remember taking the risk on whether we covered both of us at higher cost or only one of us. So you will need to check your individual insurance policy.

ValHaller

badskindollheart wrote: »

it's not something I've ever heard of before, but sounds like a really good idea; just to clear the air and move on.

The reason you have not heard of it before is because I made it up. But it does seem to match what you require.