Hello,
I have been posting a lot on the main forum. I get more and more frustrated about financial difficulties, which have hit home through that cruel illness, and I would love to talk to people , who have faced similar difficulties and might have some advice how to overcome some of these problems. Here is a brief (Well, it's a bit longer than brief):
My husband (62 in Dec 2010) lost his job last year in May through a diciplinary procedure (misconduct). The company followed their procedure correctly with warnings and meetings etc. All of this bypassed me and I found the hidden letters (warnings, stating low work standards and workmanship, not keeping to times and completing wrong jobs) when it was to late and he was already in his notice period. I had been seeing the GP about twice before because I thought my hb was depressed. He did not seem to like to go to work anymore and did not talk a lot in general and overall behaved somewhat strangely. Anyway, in May 2010, the job contract was terminated by the company. I went to see CAB who told me that he was barred from registering with the jobcentre for 6 months due to the way he lost his job. I tried to convince my hb to see the GP, but he stated everything was fine. After 4 months in Sep 2010, I succeeded threatening with divorce. He then saw his GP and was referred straight away to the mental health team. After one set of tests, they diagnosed AD. In the meantime, there have been scans, more tests and assessments. I started as advised to apply for DLA and Employment and Support Allowance, the latter came back denied due to missing NI contributions. I will have to chase that up but can imagine it is the 4 months between job loss and first diagnosis. Our Mortgage insurers also refused our claim on our total mortgage protection plan, because you have to become unfit for work whilst being employed. I am sure my hb will receive DLA but apart from that there is no other financial help out there since I am full-time working with a high gross income. We have a 4-yr-old son, who needs full-time childcare and a repayment mortgage, which uses up most of my wage...but so far no one has looked at the outgoings. We barely have £20 to shop and my credit card is getting more and more stretched. I am not willing to give up my career, I am sure we would get lots of benefits then...but I need my work to keep me sane and to pay the bills. I feel so cheated by the system. My hb worked all his life, never claimed benefits. Now he is punished for being married to a much younger wife (I am 34), who works...and does not get any help. And a lot of it is due to the fact that he lost his job due to misconduct (but really due to his illness) and did not see a doctor until 4 months later. People did suggest unfair dismissal, I am not sure, the company he worked for did everything by the book and the doctors cannot backdate an unfit-for-work certificate more that Sep, when they first saw my hb. I wonder if there is anyone out there, who is facing similar hardship and would like to just talk, PM or has any advice of how to escape this nightmare??? I hope there is, please, get in touch! Ceetee.
I have been posting a lot on the main forum. I get more and more frustrated about financial difficulties, which have hit home through that cruel illness, and I would love to talk to people , who have faced similar difficulties and might have some advice how to overcome some of these problems. Here is a brief (Well, it's a bit longer than brief):
My husband (62 in Dec 2010) lost his job last year in May through a diciplinary procedure (misconduct). The company followed their procedure correctly with warnings and meetings etc. All of this bypassed me and I found the hidden letters (warnings, stating low work standards and workmanship, not keeping to times and completing wrong jobs) when it was to late and he was already in his notice period. I had been seeing the GP about twice before because I thought my hb was depressed. He did not seem to like to go to work anymore and did not talk a lot in general and overall behaved somewhat strangely. Anyway, in May 2010, the job contract was terminated by the company. I went to see CAB who told me that he was barred from registering with the jobcentre for 6 months due to the way he lost his job. I tried to convince my hb to see the GP, but he stated everything was fine. After 4 months in Sep 2010, I succeeded threatening with divorce. He then saw his GP and was referred straight away to the mental health team. After one set of tests, they diagnosed AD. In the meantime, there have been scans, more tests and assessments. I started as advised to apply for DLA and Employment and Support Allowance, the latter came back denied due to missing NI contributions. I will have to chase that up but can imagine it is the 4 months between job loss and first diagnosis. Our Mortgage insurers also refused our claim on our total mortgage protection plan, because you have to become unfit for work whilst being employed. I am sure my hb will receive DLA but apart from that there is no other financial help out there since I am full-time working with a high gross income. We have a 4-yr-old son, who needs full-time childcare and a repayment mortgage, which uses up most of my wage...but so far no one has looked at the outgoings. We barely have £20 to shop and my credit card is getting more and more stretched. I am not willing to give up my career, I am sure we would get lots of benefits then...but I need my work to keep me sane and to pay the bills. I feel so cheated by the system. My hb worked all his life, never claimed benefits. Now he is punished for being married to a much younger wife (I am 34), who works...and does not get any help. And a lot of it is due to the fact that he lost his job due to misconduct (but really due to his illness) and did not see a doctor until 4 months later. People did suggest unfair dismissal, I am not sure, the company he worked for did everything by the book and the doctors cannot backdate an unfit-for-work certificate more that Sep, when they first saw my hb. I wonder if there is anyone out there, who is facing similar hardship and would like to just talk, PM or has any advice of how to escape this nightmare??? I hope there is, please, get in touch! Ceetee.
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