Never Ending Saga
Hello again Just want to rant again but don't actually have the energy. Latest from my employers Insurers is they have over turned their original declinature and accepted the claim and backdated payments to my employers , all sounds good. Problem is they say as an Independent medical physician has suggested I could return to work with a gentle phased return they will make a full and final payment of 66% for next 2 months and then 33% for 3 months. I've pointed out this is a life long progressive illness that will not improve so I'm stunned by their decision. To clarify I've had no periods of remission during this time. My Neurologist has written two letters in support of me stating he has no doubt chronic fatigue is due to central demyelination and ms with lesions on my brain and spinal cord. My employers say that as I have exhausted my 6 mths sick pay they can't support me financially any longer. They did pay me for another 6 mths whilst I challenged their Insurers and they have now recovered that money from their Insurers. I have been told I will need to try to return to work beginning of Feb as I'm currently signed of sick until then. My concern is if , which I expect , I'm unable to competently fulfil my role I will only get SSP after April. I've also been advised during my phased return I will only be paid for hours I work. I did ask if I can only work part time what happens then and they said all benefits and pay reduces accordingly. If I then go off sick the Insurance company if they accept the claim will only pay a percentage of my part time wage which is what I think they hope will happen. I've been in touch with a Solicitor from the Ms Society and he is happy to look at any correspondence I receive from my employer and the insurance company. I've looked at pip but it seems to focus mainly on mobility and although I do have issues I can walk and do things fairly independently but usually need some assistance from my husband. My main issues are chronic fatigue and daily pain in hands feet legs and back which is not getting any better problems with my ankle and falls Lots of other random stuff too that maybe ms related or not. I tend to not bother either my gp or ms nurse as I feel it's a waste of everyone time. I've also stated to the Insurance company that my Neurologist is an Ms specialist and the Independent medical physician isn't and he only met me over a Zoom call. I was completely open and honest with him and I find it hard to understand how he reached his conclusion given what I told him. He did say i dealt with the interview well and showed no sign of any cognitive/memory problems. If only that was true my memory is pretty bad at times and I know I'm not half the person I was in terms of quick thinking . Even worse for me is my ability to laugh and be funny . I seem to have lost more than 50% of myself. I hope I'm not boring my husband family and friends to death I actually now find it difficult to follow conversations when more than one person is talking and difficult to interject. Any thoughts as to how I should now deal with this in terms of my employers and their Insurers ? Sorry for the long post
What a palaver they are giving you. I find this game played by insurers and the benefits atrocious. Please don't give up. Be guided by the MS solicitor and citizens advice. If you have a union, I would call them too.
@sprout thank you for your reply. I feel they have tried to make this process as difficult as possible for me and it has only added extra stress to my life. I am not going to give up fighting after 40 years of employment but it is taking a lot out of me. MS Solicitor should get back to me next week and I will approach CAB if I need to. Unfortunately I'm not in a union. I will also ask my Neurologist if he can help further with any evidence the Insurance company may need to reconsider their decision. Thanks again and hope you have a good weekend 🍸🍹