in Employment, jobseeking & training
10 replies 612 views
Hi there, I would be grateful if someone could give me their opinions please: I have been with the same employer for 34 years. I have recently reached the age of 66. My employer has told me that I will no longer be entitled to long term sick pay or life insurance (4 x annual pay). These are benefits that are given to staff as standard. They say it is because the insurance they use only covers those up to retirement age. Can they do this? could it be classed as discrimination on account of age?
Latest MSE News and Guides
British Gas prepay meter users...
...to pay less for gas from 1 AprilMSE News
The 'odd Easter flavours' thread 2023
What bizarre food stuffs have you spied?MSE Forum
Energy Price Guarantee calculator
How much you'll likely pay from AprilMSE Tools
It is quite common to cease these benefits for exactly the reason given by your employer. Increasing the upper age limit on an insurance policy gets increasingly expensive, or even impossible, for obvious reasons - i.e. there is much more likely to be a claim as employees get older.
It is likely that you'll find a provision in your terms of employment which says that cover can be ceased or restricted at any age for a particular individual if benefits in respect of a that individual cannot be insured for the full amount.
Given that this type of insurance based benefit would clearly cost more the older you get, if it is available at all. It could be argued that were they to give it to you you would actually be getting a more expensive benefit than a younger employee!
Have you had a good record for sickness until now? clearly if you've maxed it out in the last few years they're less likely to continue it than if you've had the off day off here and there ...
I'd definitely ask them to confirm that you will continue to receive full company sick pay for the first 13 weeks of any sickness.
Another thought: do you have a pension with them? What death in service benefits does that offer? Is your son named as the beneficiary of that (or a suitable trustee if he cannot manage his own affairs)?