Income protection problems getting cover

alexb123

Hi All,

We wanted to get some income protection so have contacted a broker (not sure if that the correct term). They took all the details and then refused cover. This is despite no health problems that effect work.

The sticking point was that the OH is on Prozac, she did suffer from an eating disorder. They have stated that because shes still on medication no one will cover her. Does this sound correct? Any advice on getting cover? Seems very harsh...

Thanks

HappyMJ

alexb123 wrote: »

Hi All,

We wanted to get some income protection so have contacted a broker (not sure if that the correct term). They took all the details and then refused cover. This is despite no health problems that effect work.

The sticking point was that the OH is on Prozac, she did suffer from an eating disorder. They have stated that because shes still on medication no one will cover her. Does this sound correct? Any advice on getting cover? Seems very harsh...

Thanks

You might be better off each getting "single" cover instead of "joint" cover. The broker should have mentioned that.

alexb123

Hi Happy thanks for the reply. This was single cover, just for her.

ACG

Prozac/eating disorders are signs of mental health, which is the biggest claim on income protection.

There could be ways for you to get it, but its probably not going to be a conventional income protection policy.

Weighty1

Was this a long term income protection plan?
Which company was it that turned your o/h down?