unemployment insurance dilema:[

andy_l_2

Hi all I am new here well to the forum anyway. This is my problem was made redundant 4 weeks ago and have just sent off my claim for cover my query is I was in my last job for five months and before that I was redundant also but only for 3 weeks and so my previous claim did not go through fully the policy states that a full six months employment must be completed before a claim can be met
it seems to me to be a bit of a hole in the policy anybody know where I stand on this. thanks guys help me out on this one

dunstonh

Whatever it says in the policy document is correct.

Str4berr3

andy_l wrote:

Hi all I am new here well to the forum anyway. This is my problem was made redundant 4 weeks ago and have just sent off my claim for cover my query is I was in my last job for five months and before that I was redundant also but only for 3 weeks and so my previous claim did not go through fully the policy states that a full six months employment must be completed before a claim can be met
it seems to me to be a bit of a hole in the policy anybody know where I stand on this. thanks guys help me out on this one

I was in the same position as you as in i was made redundant 6 years back but the claim did not go through because they receive the claim form around 6 weeks after i was made redundant and the contract said that the claim had to be made within 30 days. so no cover!

andy_l_2

I have not seen the 30 day thing but i am within that time frame it is just that no one knows when you find yourself a job that it would only last 5 months surely there must be some allowance for my situation.I was under the impression that the six month rule was from when the policy was taken out! It sems to be very unfair if I am unsuccessful with my claim.I may as well not have gone looking for work the last time round when I was in the six month time period.

payless

Obviously different policies will have different rules ( and even policies under same brand might have changed since you took it out)
BUT

pasted from one of the major providers

(one of ) The main reasons we will not pay out for unemployment are:

You were not continuously working for 6 months before your first claim for unemployment (this is waived if you were continuously working for 6 months before the start date).

Who is your plan with- if the above - does the time in employment prior to taking plan cover you ?

If not- were you not made aware of this clause at time?

andy_l_2

payless wrote:

Obviously different policies will have different rules ( and even policies under same brand might have changed since you took it out)
BUT

pasted from one of the major providers

(one of ) The main reasons we will not pay out for unemployment are:

You were not continuously working for 6 months before your first claim for unemployment (this is waived if you were continuously working for 6 months before the start date).

Who is your plan with- if the above - does the time in employment prior to taking plan cover you ?

If not- were you not made aware of this clause at time?

Thanks for that I cant find any mention of it in my policy but with the double meaning of most of the exclusions who knows.They have sent me a form today asking for monthly outgoings so fingers crossed.

Str4berr3

Andy1; I hope that i did'nt scare you because of my bad experience. as someone else said at the top; every policy is different. but to all is reading this just try to read you agreement carefully as i was young then and it was my first credit card and at that time i just wanted to sign the damn thing to process the application quicker ( desperate for a credit card-young and naive!). so it was my fault for not reading the policy at all otherwise i would've called them earlier and the claim may of gone through. eventually paid off the 1600 Pounds in the end.

andy_l_2

Str4berr3 wrote:

Andy1; I hope that i did'nt scare you because of my bad experience. as someone else said at the top; every policy is different. but to all is reading this just try to read you agreement carefully as i was young then and it was my first credit card and at that time i just wanted to sign the damn thing to process the application quicker ( desperate for a credit card-young and naive!). so it was my fault for not reading the policy at all otherwise i would've called them earlier and the claim may of gone through. eventually paid off the 1600 Pounds in the end.

Just had notification of first unemployment payment OUCH!! This scares me more

payless

andy_l wrote:

Thanks for that I cant find any mention of it in my policy but with the double meaning of most of the exclusions who knows.They have sent me a form today asking for monthly outgoings so fingers crossed.

Post / drop me a PM with the provider name if you want to see if I can find the terms relating to the policy you hold

payless

Personally I tend to think that the previous period of unemployment won't get in the way IF the correct min period of employment prior to commencing the policy was met

If it was not , then if this was an exclusion was not explained initially , he should query why not .
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Your story about the reduced claim ... now that rings a bell with me , when I was running a FS department, that was owned by a solicitor .

I disagreed with the handling of a client's complaint ( against an ex employee- relating to a sale long before I joined the firm) ..... then soon afterwards ( I assume totally unconnected) they broke off the almost finalised discussions for me to "buy out" the IFA/ FS side of the business, instead them taking a golden hello from a big insurer to "tie" instead.


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That all said , its not all bad you know

payless

"I don't think you are right about that payless." :eek:

Peter - As I said it will depend on the provider's terms ( thats why I asked who its with )-

note the extract I placed from the major provider of this type of cover ( via intermediaries).

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The main reasons we will not pay out for unemployment are:
You were not continuously working for 6 months before your first claim for unemployment (this is waived if you were continuously working for 6 months before the start date).

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Mis Selling
If under the terms it is covered- then it should be paid , if not , then IMHO exclusions should have been highlighted. This will depend on how it was purchased

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Good bits

Well those that visit this site might feel there are some good elemenst to the industry.

As far a MPPI goes ..... Some years back I used to have an office not far from Longbridge, and over the years have retained a number of Rover workers as clients

One just made redundant within 6 months of buying a house, getting married and having a child ( not sure of actual order) He's got his claim agreed for his mortgage payment ( and a bit more) but as not even paid a premium yet!
(in fact he was most likely not going to take the cover in the first place, but I recommended he did, and review when the free period came to an end)