Group Income Protection Insurance - does employer have a duty to inform me of limits to cover?

lassfarfromhome

AskAsk said:

from a point of law, if you are suing someone for negligence, misinformation, you need to prove that they were negligent.  in this case they had told you that you were entitled to the benefit.  you could have asked for details of the benefits, which you failed to do.  it wasn't a protected secret.  all you had to do was ask.  on that basis, this is what a judge would say to you if you took this case to court, he would say, "so why didn't you ask?".

It's actually a question of what one party's legal duty is, and whether they failed in that duty.  If there's a duty and a breach of that duty, then you can move on to work out any loss/what compensation is due.

lassfarfromhome

AskAsk said:

lassfarfromhome said:

AskAsk said:

lassfarfromhome said:

AskAsk said:

from a point of law, if you are suing someone for negligence, misinformation, you need to prove that they were negligent.  in this case they had told you that you were entitled to the benefit.  you could have asked for details of the benefits, which you failed to do.  it wasn't a protected secret.  all you had to do was ask.  on that basis, this is what a judge would say to you if you took this case to court, he would say, "so didn't you ask?".

the cause of action wouldn't be negligence, but thanks

i am quoting negligence as an example.  it is all about being able to prove that someone did something wrong that resulted in a financial loss to you.  in this instance you can not prove that, so you have no case.

Thanks for your erudite legal advice

not advice, just my opinion.  if you still think you have a case then consult a solicitor as they will be able to give definite legal advice, but i personally think you do not have a case.

Exactly. you're opinion based on absolutely nothing but your own assumptions and non-existent understanding of the law and the ELS

AskAsk

lassfarfromhome said:

AskAsk said:

lassfarfromhome said:

AskAsk said:

lassfarfromhome said:

AskAsk said:

from a point of law, if you are suing someone for negligence, misinformation, you need to prove that they were negligent.  in this case they had told you that you were entitled to the benefit.  you could have asked for details of the benefits, which you failed to do.  it wasn't a protected secret.  all you had to do was ask.  on that basis, this is what a judge would say to you if you took this case to court, he would say, "so didn't you ask?".

the cause of action wouldn't be negligence, but thanks

i am quoting negligence as an example.  it is all about being able to prove that someone did something wrong that resulted in a financial loss to you.  in this instance you can not prove that, so you have no case.

Thanks for your erudite legal advice

not advice, just my opinion.  if you still think you have a case then consult a solicitor as they will be able to give definite legal advice, but i personally think you do not have a case.

Exactly. you're opinion based on absolutely nothing but your own assumptions and non-existent understanding of the law and the ELS

but that is all you are going to get posting on here.  you won't be getting solicitors advising you for free on a discussion board.

lassfarfromhome

AskAsk said:

lassfarfromhome said:

AskAsk said:

lassfarfromhome said:

AskAsk said:

lassfarfromhome said:

AskAsk said:

from a point of law, if you are suing someone for negligence, misinformation, you need to prove that they were negligent.  in this case they had told you that you were entitled to the benefit.  you could have asked for details of the benefits, which you failed to do.  it wasn't a protected secret.  all you had to do was ask.  on that basis, this is what a judge would say to you if you took this case to court, he would say, "so didn't you ask?".

the cause of action wouldn't be negligence, but thanks

i am quoting negligence as an example.  it is all about being able to prove that someone did something wrong that resulted in a financial loss to you.  in this instance you can not prove that, so you have no case.

Thanks for your erudite legal advice

not advice, just my opinion.  if you still think you have a case then consult a solicitor as they will be able to give definite legal advice, but i personally think you do not have a case.

Exactly. you're opinion based on absolutely nothing but your own assumptions and non-existent understanding of the law and the ELS

but that is all you are going to get posting on here.  you won't be getting solicitors advising you for free on a discussion board.

If you don't know the answer it's better not to respond, than to say something that may be incorrect (which is what you have done).

AskAsk

lassfarfromhome said:

AskAsk said:

lassfarfromhome said:

AskAsk said:

lassfarfromhome said:

AskAsk said:

lassfarfromhome said:

AskAsk said:

from a point of law, if you are suing someone for negligence, misinformation, you need to prove that they were negligent.  in this case they had told you that you were entitled to the benefit.  you could have asked for details of the benefits, which you failed to do.  it wasn't a protected secret.  all you had to do was ask.  on that basis, this is what a judge would say to you if you took this case to court, he would say, "so didn't you ask?".

the cause of action wouldn't be negligence, but thanks

i am quoting negligence as an example.  it is all about being able to prove that someone did something wrong that resulted in a financial loss to you.  in this instance you can not prove that, so you have no case.

Thanks for your erudite legal advice

not advice, just my opinion.  if you still think you have a case then consult a solicitor as they will be able to give definite legal advice, but i personally think you do not have a case.

Exactly. you're opinion based on absolutely nothing but your own assumptions and non-existent understanding of the law and the ELS

but that is all you are going to get posting on here.  you won't be getting solicitors advising you for free on a discussion board.

If you don't know the answer it's better not to respond, than to say something that may be incorrect (which is what you have done).

speak to a solicitor then come back and say that i am incorrect.  you don't know this and you yourself are making your own assumptions about whether you have a case.

if you are already certain that you have a case, which you seem to be from your comments, then why bother asking other people's opinion on here?  why not just go straight to a claim against your employer if you are so sure.

lassfarfromhome

AskAsk said:

lassfarfromhome said:

AskAsk said:

lassfarfromhome said:

AskAsk said:

lassfarfromhome said:

AskAsk said:

lassfarfromhome said:

AskAsk said:

from a point of law, if you are suing someone for negligence, misinformation, you need to prove that they were negligent.  in this case they had told you that you were entitled to the benefit.  you could have asked for details of the benefits, which you failed to do.  it wasn't a protected secret.  all you had to do was ask.  on that basis, this is what a judge would say to you if you took this case to court, he would say, "so didn't you ask?".

the cause of action wouldn't be negligence, but thanks

i am quoting negligence as an example.  it is all about being able to prove that someone did something wrong that resulted in a financial loss to you.  in this instance you can not prove that, so you have no case.

Thanks for your erudite legal advice

not advice, just my opinion.  if you still think you have a case then consult a solicitor as they will be able to give definite legal advice, but i personally think you do not have a case.

Exactly. you're opinion based on absolutely nothing but your own assumptions and non-existent understanding of the law and the ELS

but that is all you are going to get posting on here.  you won't be getting solicitors advising you for free on a discussion board.

If you don't know the answer it's better not to respond, than to say something that may be incorrect (which is what you have done).

speak to a solicitor then come back and say that i am incorrect.  you don't know this and you yourself are making your own assumptions about whether you have a case.

Um, no, I'm not making any assumptions about anything.  And it's not that you are incorrect as such, it's that your entire framing for your comments and attempt to place the question within the law is entirely misconceived.  You know nothing

lassfarfromhome

lassfarfromhome said:

AskAsk said:

lassfarfromhome said:

AskAsk said:

lassfarfromhome said:

AskAsk said:

lassfarfromhome said:

AskAsk said:

lassfarfromhome said:

AskAsk said:

from a point of law, if you are suing someone for negligence, misinformation, you need to prove that they were negligent.  in this case they had told you that you were entitled to the benefit.  you could have asked for details of the benefits, which you failed to do.  it wasn't a protected secret.  all you had to do was ask.  on that basis, this is what a judge would say to you if you took this case to court, he would say, "so didn't you ask?".

the cause of action wouldn't be negligence, but thanks

i am quoting negligence as an example.  it is all about being able to prove that someone did something wrong that resulted in a financial loss to you.  in this instance you can not prove that, so you have no case.

Thanks for your erudite legal advice

not advice, just my opinion.  if you still think you have a case then consult a solicitor as they will be able to give definite legal advice, but i personally think you do not have a case.

Exactly. you're opinion based on absolutely nothing but your own assumptions and non-existent understanding of the law and the ELS

but that is all you are going to get posting on here.  you won't be getting solicitors advising you for free on a discussion board.

If you don't know the answer it's better not to respond, than to say something that may be incorrect (which is what you have done).

speak to a solicitor then come back and say that i am incorrect.  you don't know this and you yourself are making your own assumptions about whether you have a case.

Um, no, I'm not making any assumptions about anything.  And it's not that you are incorrect as such, it's that your entire framing for your comments and attempt to place the question within the law is entirely misconceived.  You know nothing

AskAsk said:

lassfarfromhome said:

AskAsk said:

lassfarfromhome said:

AskAsk said:

lassfarfromhome said:

AskAsk said:

lassfarfromhome said:

AskAsk said:

from a point of law, if you are suing someone for negligence, misinformation, you need to prove that they were negligent.  in this case they had told you that you were entitled to the benefit.  you could have asked for details of the benefits, which you failed to do.  it wasn't a protected secret.  all you had to do was ask.  on that basis, this is what a judge would say to you if you took this case to court, he would say, "so didn't you ask?".

the cause of action wouldn't be negligence, but thanks

i am quoting negligence as an example.  it is all about being able to prove that someone did something wrong that resulted in a financial loss to you.  in this instance you can not prove that, so you have no case.

Thanks for your erudite legal advice

not advice, just my opinion.  if you still think you have a case then consult a solicitor as they will be able to give definite legal advice, but i personally think you do not have a case.

Exactly. you're opinion based on absolutely nothing but your own assumptions and non-existent understanding of the law and the ELS

but that is all you are going to get posting on here.  you won't be getting solicitors advising you for free on a discussion board.

If you don't know the answer it's better not to respond, than to say something that may be incorrect (which is what you have done).

speak to a solicitor then come back and say that i am incorrect.  you don't know this and you yourself are making your own assumptions about whether you have a case.

if you are already certain that you have a case, which you seem to be from your comments, then why bother asking other people's opinion on here?  why not just go straight to a claim against your employer if you are so sure.

I hope you at least got the point that not all judges are male

AskAsk

lassfarfromhome said:

lassfarfromhome said:

AskAsk said:

lassfarfromhome said:

AskAsk said:

lassfarfromhome said:

AskAsk said:

lassfarfromhome said:

AskAsk said:

lassfarfromhome said:

AskAsk said:

from a point of law, if you are suing someone for negligence, misinformation, you need to prove that they were negligent.  in this case they had told you that you were entitled to the benefit.  you could have asked for details of the benefits, which you failed to do.  it wasn't a protected secret.  all you had to do was ask.  on that basis, this is what a judge would say to you if you took this case to court, he would say, "so didn't you ask?".

the cause of action wouldn't be negligence, but thanks

i am quoting negligence as an example.  it is all about being able to prove that someone did something wrong that resulted in a financial loss to you.  in this instance you can not prove that, so you have no case.

Thanks for your erudite legal advice

not advice, just my opinion.  if you still think you have a case then consult a solicitor as they will be able to give definite legal advice, but i personally think you do not have a case.

Exactly. you're opinion based on absolutely nothing but your own assumptions and non-existent understanding of the law and the ELS

but that is all you are going to get posting on here.  you won't be getting solicitors advising you for free on a discussion board.

If you don't know the answer it's better not to respond, than to say something that may be incorrect (which is what you have done).

speak to a solicitor then come back and say that i am incorrect.  you don't know this and you yourself are making your own assumptions about whether you have a case.

Um, no, I'm not making any assumptions about anything.  And it's not that you are incorrect as such, it's that your entire framing for your comments and attempt to place the question within the law is entirely misconceived.  You know nothing

AskAsk said:

lassfarfromhome said:

AskAsk said:

lassfarfromhome said:

AskAsk said:

lassfarfromhome said:

AskAsk said:

lassfarfromhome said:

AskAsk said:

from a point of law, if you are suing someone for negligence, misinformation, you need to prove that they were negligent.  in this case they had told you that you were entitled to the benefit.  you could have asked for details of the benefits, which you failed to do.  it wasn't a protected secret.  all you had to do was ask.  on that basis, this is what a judge would say to you if you took this case to court, he would say, "so didn't you ask?".

the cause of action wouldn't be negligence, but thanks

i am quoting negligence as an example.  it is all about being able to prove that someone did something wrong that resulted in a financial loss to you.  in this instance you can not prove that, so you have no case.

Thanks for your erudite legal advice

not advice, just my opinion.  if you still think you have a case then consult a solicitor as they will be able to give definite legal advice, but i personally think you do not have a case.

Exactly. you're opinion based on absolutely nothing but your own assumptions and non-existent understanding of the law and the ELS

but that is all you are going to get posting on here.  you won't be getting solicitors advising you for free on a discussion board.

If you don't know the answer it's better not to respond, than to say something that may be incorrect (which is what you have done).

speak to a solicitor then come back and say that i am incorrect.  you don't know this and you yourself are making your own assumptions about whether you have a case.

if you are already certain that you have a case, which you seem to be from your comments, then why bother asking other people's opinion on here?  why not just go straight to a claim against your employer if you are so sure.

I hope you at least got the point that not all judges are male

judges can be male or female.  i was saying 'he' as a simplified comment.

lassfarfromhome

lassfarfromhome said:

lassfarfromhome said:

AskAsk said:

lassfarfromhome said:

AskAsk said:

lassfarfromhome said:

AskAsk said:

lassfarfromhome said:

AskAsk said:

lassfarfromhome said:

AskAsk said:

from a point of law, if you are suing someone for negligence, misinformation, you need to prove that they were negligent.  in this case they had told you that you were entitled to the benefit.  you could have asked for details of the benefits, which you failed to do.  it wasn't a protected secret.  all you had to do was ask.  on that basis, this is what a judge would say to you if you took this case to court, he would say, "so didn't you ask?".

the cause of action wouldn't be negligence, but thanks

i am quoting negligence as an example.  it is all about being able to prove that someone did something wrong that resulted in a financial loss to you.  in this instance you can not prove that, so you have no case.

Thanks for your erudite legal advice

not advice, just my opinion.  if you still think you have a case then consult a solicitor as they will be able to give definite legal advice, but i personally think you do not have a case.

Exactly. you're opinion based on absolutely nothing but your own assumptions and non-existent understanding of the law and the ELS

but that is all you are going to get posting on here.  you won't be getting solicitors advising you for free on a discussion board.

If you don't know the answer it's better not to respond, than to say something that may be incorrect (which is what you have done).

speak to a solicitor then come back and say that i am incorrect.  you don't know this and you yourself are making your own assumptions about whether you have a case.

Um, no, I'm not making any assumptions about anything.  And it's not that you are incorrect as such, it's that your entire framing for your comments and attempt to place the question within the law is entirely misconceived.  You know nothing

AskAsk said:

lassfarfromhome said:

AskAsk said:

lassfarfromhome said:

AskAsk said:

lassfarfromhome said:

AskAsk said:

lassfarfromhome said:

AskAsk said:

from a point of law, if you are suing someone for negligence, misinformation, you need to prove that they were negligent.  in this case they had told you that you were entitled to the benefit.  you could have asked for details of the benefits, which you failed to do.  it wasn't a protected secret.  all you had to do was ask.  on that basis, this is what a judge would say to you if you took this case to court, he would say, "so didn't you ask?".

the cause of action wouldn't be negligence, but thanks

i am quoting negligence as an example.  it is all about being able to prove that someone did something wrong that resulted in a financial loss to you.  in this instance you can not prove that, so you have no case.

Thanks for your erudite legal advice

not advice, just my opinion.  if you still think you have a case then consult a solicitor as they will be able to give definite legal advice, but i personally think you do not have a case.

Exactly. you're opinion based on absolutely nothing but your own assumptions and non-existent understanding of the law and the ELS

but that is all you are going to get posting on here.  you won't be getting solicitors advising you for free on a discussion board.

If you don't know the answer it's better not to respond, than to say something that may be incorrect (which is what you have done).

speak to a solicitor then come back and say that i am incorrect.  you don't know this and you yourself are making your own assumptions about whether you have a case.

if you are already certain that you have a case, which you seem to be from your comments, then why bother asking other people's opinion on here?  why not just go straight to a claim against your employer if you are so sure.

I hope you at least got the point that not all judges are male

then use 'they'

KatrinaWaves

lassfarfromhome said:

lassfarfromhome said:

lassfarfromhome said:

AskAsk said:

lassfarfromhome said:

AskAsk said:

lassfarfromhome said:

AskAsk said:

lassfarfromhome said:

AskAsk said:

lassfarfromhome said:

AskAsk said:

from a point of law, if you are suing someone for negligence, misinformation, you need to prove that they were negligent.  in this case they had told you that you were entitled to the benefit.  you could have asked for details of the benefits, which you failed to do.  it wasn't a protected secret.  all you had to do was ask.  on that basis, this is what a judge would say to you if you took this case to court, he would say, "so didn't you ask?".

the cause of action wouldn't be negligence, but thanks

i am quoting negligence as an example.  it is all about being able to prove that someone did something wrong that resulted in a financial loss to you.  in this instance you can not prove that, so you have no case.

Thanks for your erudite legal advice

not advice, just my opinion.  if you still think you have a case then consult a solicitor as they will be able to give definite legal advice, but i personally think you do not have a case.

Exactly. you're opinion based on absolutely nothing but your own assumptions and non-existent understanding of the law and the ELS

but that is all you are going to get posting on here.  you won't be getting solicitors advising you for free on a discussion board.

If you don't know the answer it's better not to respond, than to say something that may be incorrect (which is what you have done).

speak to a solicitor then come back and say that i am incorrect.  you don't know this and you yourself are making your own assumptions about whether you have a case.

Um, no, I'm not making any assumptions about anything.  And it's not that you are incorrect as such, it's that your entire framing for your comments and attempt to place the question within the law is entirely misconceived.  You know nothing

AskAsk said:

lassfarfromhome said:

AskAsk said:

lassfarfromhome said:

AskAsk said:

lassfarfromhome said:

AskAsk said:

lassfarfromhome said:

AskAsk said:

from a point of law, if you are suing someone for negligence, misinformation, you need to prove that they were negligent.  in this case they had told you that you were entitled to the benefit.  you could have asked for details of the benefits, which you failed to do.  it wasn't a protected secret.  all you had to do was ask.  on that basis, this is what a judge would say to you if you took this case to court, he would say, "so didn't you ask?".

the cause of action wouldn't be negligence, but thanks

i am quoting negligence as an example.  it is all about being able to prove that someone did something wrong that resulted in a financial loss to you.  in this instance you can not prove that, so you have no case.

Thanks for your erudite legal advice

not advice, just my opinion.  if you still think you have a case then consult a solicitor as they will be able to give definite legal advice, but i personally think you do not have a case.

Exactly. you're opinion based on absolutely nothing but your own assumptions and non-existent understanding of the law and the ELS

but that is all you are going to get posting on here.  you won't be getting solicitors advising you for free on a discussion board.

If you don't know the answer it's better not to respond, than to say something that may be incorrect (which is what you have done).

speak to a solicitor then come back and say that i am incorrect.  you don't know this and you yourself are making your own assumptions about whether you have a case.

if you are already certain that you have a case, which you seem to be from your comments, then why bother asking other people's opinion on here?  why not just go straight to a claim against your employer if you are so sure.

I hope you at least got the point that not all judges are male

then use 'they'

Literally no point in your rudeness. I’m sure your employers were glad to see the back of you