To wonder how you get by on SSP?

They're not, there are policies starting from £9 including CIC and over 50s life cover if you just need funeral cover etc which start from small amounts too.

Exactly which is why i plan to do it for my kids when they turn 18 so it's in place. You don't need to be working for CIC.

Since forever if you have a mortgage.

Buildings insurance mandatory? Since when?

We get sick pay at work then when that runs out we have insurance to cover the mortgage.

Friends who are builders in self employed jobs all have insurance too. I learned this when my friend’s husband broke his leg last year. In a discussion with other builders it seemed fairly standard.

None of us are crazy rich.

I know someone claiming against their employer it’s currently pretty straightforward. Their solicitor talks to insurance company solicitor. They do not discuss it with work directly.

You claim what you can. I found you get quite a lot of tax back as you’ll have overpaid. Speak to a solicitor, employers have liability insurance for a reason. Normally time off work, physio costs can be included in a c lol so if employer liable.

Good for you. Buildings insurance is also mandatory, I do hope you're well set up if you do become ill or are unable to work.

The only insurance I have is car insurance - and that's only because I'm legally obliged to, otherwise I wouldn't bother with it

Would it work that way though? If his bosses’ Company is insured wouldn’t it be straightforward?

For some people they aren’t able to have income protection or life and critical illness because of pre existing conditions- so insurers do not offer them cover at all. They are excluded from being able to protect themselves- which is wrong ! But true. So not everyone has the option to insure themselves.

Doesn’t need to take them to court - just get the boss to contact the insurance company

You don't. It's terrible. If you are young and fit you can buy appropriate insurance. If you are my age, late 50s all you can do is save and hope nothing terrible happens.

I would take my souse to court in these circumstances and expect them to do the same.

I used to work in a sector where SSP was the norm. It was also in healthcare. Unsurprisingly people couldn't afford to be sick. So they would come into work and make other people sick which would then cause staffing issues. SSP is woefully inadequate but nothing will be done to change it. Us riff raff should have just saved and stop eating so much avocado on sourdough bread!

@Hinkuy insurances with existing medical conditions are expensive even through a broker.

They're not. As I said you need a broker.

He really does need to get advice and make a claim against his mates insurance. This is a real life changing injury

I used to have millions of pounds worth of insurance liability when working for myself and I was just sat in an office. His mate should have plenty as well

It's £116.40 a week for SSP & you get it for 28 weeks - they can claim UC while receiving it & request an advance payment.

But definitely get them to check out their options as it's a workplace injury they may be entitled to some sort of compensation.

You don't survive really. This is why so many disabled people aren't in work. Understandably they need time of sick sometimes but the stress of living on SSP is too much. It's easier to be on benefits and have a regular income to cover the basics, even though a lot want to work.

Yeah, those will be prohibitively expensive

So it's still legal discrimination

He can claim Universal credit as long as he has savings less than 16k. However there is no help with a mortgage on UC. Does he have any mortgage protection insurance or anything like that ?

If the mate (or rather their insurer) agrees to pay then it will never go near a court

Exactly

Good for you but I would think it’s a small % of parents who take out insurance policies for their 18 yr olds.