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Help required for Total Permanent Disability

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  • 11-08-2009 10:59pm
    #1
    tiny1956
    Closed Accounts Posts: 2 ✭


    Help sought with insurance claim. I took insurance out approx 10 years ago, believing I had total disability cover, I have medical records to prove I am incapable of holding down the job I trained for (in construction). I have been told I would be a Health & Safety risk on a building site, yet insurance company tell me I would be able to supervise work, or carry out other simple tasks on site, and this I dispute. The insurance folk say that in order to qualify for the cover, I must be 'permanently totally disabled from all gainful employment'. I feel I couldn't hold down a job with my present condition.

    Anyone have any ideas? Has anyone had a successful claim in this area? Any help/advice greatly received!

    Thanks,
    Tiny


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    #2
    the_syco
    Registered Users Posts: 37,299 ✭✭✭✭the_syco


    You may get a better response @ http://www.boards.ie/vbulletin/forumdisplay.php?f=384


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    #3
    stepbar
    Closed Accounts Posts: 6,123 ✭✭✭stepbar


    Would u believe im reading the QFA in Life assurance at the mo. I'll find a answer tomorrow but i suspect they are right.
    However u need to give more details as to what type of policy u have and the exact benefits.


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    #4
    Pablo Sanchez
    Closed Accounts Posts: 1,207 ✭✭✭Pablo Sanchez


    AFAIK it depends on weather you took the 'own occupation' option at the start(the more expensive option). Think there is two levels, a payout based on you being unfit for you to do your own specified occupation or weather you are unfit to complete 'any occupation'.


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    #5
    Drumpot
    Registered Users Posts: 19,306 ✭✭✭✭Drumpot


    Unfortunatley TBD is one of those policies that can be disputed.

    Like Pablo said. Is it "own occupation" ?

    If so, then you may have a case.

    Otherwise you need to be totally incapable of doing even so much as a desk job, or working in a library to be eligible!


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