Critical illness cover problem

Robynsgrandday

Hi

In May 2013 we went to nationwide for a mortgage, during this they processed a life insurance including critical cover. (It was accepted needing under writing). We received no further communication from nationwide and received the paper work from Legal and general, under exclusions there was nothing apart from Min time I could claim. I signed the paper work but as I’m dislexic I called legal and general to check we were fully covered. The legal and general customer service told us yes we were. Fast forward April 2018 and my wife has become ill and is too poorly to work and we need to make a claim? The legal and general says TPD (total permenit disablitlty) is not in your policy! I explained the above but they said they sent out information in the post. (I’ve never seen this and have request it as a subject request) I went throught the complaint and they have blamed nationwide. Nationwide have blamed legal and general. I’ve taken both to the financial ombudsman and it seems that legal and general sent a counter offer to nationwide saying we weren’t covered but they never told us. The position now is my wife can’t work,I’m here full time carer and I can only work around caring for her but the financial ombudsman have said it there fault but only awarded us only £500 plus difference. Due to nationwide mistake we are now struggling to pay our mortgage (who is with them) and could lead us to having our house repossessed by them. When our critical illness cover would have paid the mortgage. Can anyone help?

Weighty1

TPD is normally offered with either an own occupation definition or a "working tasks" definition. The latter being extremely difficult to claim on as the degree of disability has to be extreme and both total and permanent.

Have you asked L&G for confirmation as to whether your wife would be classed as totally and permanently disabled to qualify for a claim had it been on the plan?

Robynsgrandday

Legal and general won’t do anything because they say they informed nationwide back in May 2013 our cover never included TPD. They gave 3 other options to decide 1). Both covered without TPD, 2). Me covered with TPD or 3). My wife covered without TPD. We never were told of this from either nationwide or legal and general and it was the financial ombudsman who informed us about this about a month ago.