hello all, this is my first post but really really need help.
i work in the emergency services here in the ROI. i had a nasty accident at work which i was off with injuries for over a year. i have my personnal insurance policy(loss of earnings) which i have since 2008 in case im injured at work. after the accident i filled out the relevant forms for my own insurance co and filled it out to the best and as honestly as possible. there is a specific section which states "are you recieveing sick pay from your employer" which i clearly stated yes and dates etc. i have supplied this company with everything and actually went out of my way during my injury to get them additional info etc. they have paid me X amount over the last 8 months but now are looking for all monies to be paid back to them as they are now stating that i was not entitled to the amount on the policy because i was getting sick pay from my employers.
i have clearly stated this from the itinial claim form which i have a copy of as i have a habit of copying everything for my own records. i have kept all monthly premiums up to date and have been 100% honest from day one.
please please can anyone give me some advice asthe amount involved is around 10k which i dont have and its causing me undue stress as i declared everything and hid nothing when filling out forms etc.
thank you guys in advance for the advice
** when i was sold the policy i clearly asked the agent can i get sick pay from my employer plus this policy and he clearly stated yes.
i work in the emergency services here in the ROI. i had a nasty accident at work which i was off with injuries for over a year. i have my personnal insurance policy(loss of earnings) which i have since 2008 in case im injured at work. after the accident i filled out the relevant forms for my own insurance co and filled it out to the best and as honestly as possible. there is a specific section which states "are you recieveing sick pay from your employer" which i clearly stated yes and dates etc. i have supplied this company with everything and actually went out of my way during my injury to get them additional info etc. they have paid me X amount over the last 8 months but now are looking for all monies to be paid back to them as they are now stating that i was not entitled to the amount on the policy because i was getting sick pay from my employers.
i have clearly stated this from the itinial claim form which i have a copy of as i have a habit of copying everything for my own records. i have kept all monthly premiums up to date and have been 100% honest from day one.
please please can anyone give me some advice asthe amount involved is around 10k which i dont have and its causing me undue stress as i declared everything and hid nothing when filling out forms etc.
thank you guys in advance for the advice
** when i was sold the policy i clearly asked the agent can i get sick pay from my employer plus this policy and he clearly stated yes.