Income Protection and Permanent Health Decision Reference 2022-0107

• Case Outcome: Rejected
• Subject Matter: Income Protection and Permanent Health
• Reference: 2022-0107
• Date: 25 March 2022
• Finantial Sector: Insurance
• Conducts Complained Of: Rejection of claim - fit to return to work

Decision Ref:

2022-0107

Sector:

Insurance

Product / Service:

Income Protection and Permanent Health

Conduct(s) complained of:

Rejection of claim - fit to return to work

Outcome:

Rejected

LEGALLY BINDING DECISION OF THE FINANCIAL SERVICES AND PENSIONS OMBUDSMAN

The Complainan t holds an inc ome protect ion poli cy which wa s offere d by her

emp loyer and a dministered by th e Pro vider.

The Compl ainant’s Case

The Complai nant sta tes that in [Date Reda cted]she had eye surgery wh ich r esulted

in complicatio ns causi ng her v isual di fficulti es and i n par ticula r dif ficult ies w orking

in an off ice envir onmen t. The Compl ainan t s tates that her em ployer was

uns upport ive of the position she found hers elf i n, le ading her to develop ing s tress

and takin g ext ended sick leave.

The Com plain ant states that she has been on sick leave sin ce [date redacted]and

tha t in [ date redacted ] her employer ceased to pay her wages and refer red her to

the Pro vider t o claim from its e mployee Inc ome Pro tection Poli cy. Th e Complai nant

con tends that the Provider inco rrectly denied her clai m f or Incom e P rotect ion

paymen t de spite supporti ng medical reports.

The Complainan t submits t hat:

“In [d ate red acted] I had bilat eral ca taract surgery an d devel oped

complicat ions. The se i mpacte d on my work causi ng i ssues wit h sc reens and

bright light s and tr iggered visual vert igo.