peardrops Posted September 19, 2006 Share Posted September 19, 2006 I wonder if anyone can help me. My friend has joined a very small company after being made redundant from a huge US organisation. All sick pay was paid on full salary until he'd been off for many months and then he got half pay for many months etc. Their sickness allowances are now 3 days and then straight onto SSP which is I believe £18 per day. What would happen if he had an accident which resulted in 3 weeks off or perhaps the flu when you can be in bed for at least a week. How do you go about getting your mortgage paid etc? Is there something you can pay into to get insurance or something? Thanks in advance. Pear Link to comment Share on other sites More sharing options...
Belinkabelle Posted September 19, 2006 Share Posted September 19, 2006 I've quite recently started working for a small charity and they only pay SSP too. I believe company sick pay is something of a 'privilege' not a right. I've worked for a large company who did pay employees whilst off sick and found it to provide peace of mind whilst I was off work for a while. There are various insurance policies available to cover long-term sickness. If your friend has loans/mortgage etc they should be able to pay a premium to cover unemployment through illness. As with all insurance, it's only beneficial if you need to claim though. As I understand any pre-existing conditons aren't covered by such policies which can render the extra cost pretty pointless. Link to comment Share on other sites More sharing options...
peardrops Posted September 19, 2006 Author Share Posted September 19, 2006 Thanks for the reply. Do you know of any such insurance policies please? It probably isn't so much his mortgage as that can be provided by the lender but things like utility bills can be a problem if out of work for a month or more. I haven't heard of any such insurance but it must be available somewhere. Link to comment Share on other sites More sharing options...
Belinkabelle Posted September 19, 2006 Share Posted September 19, 2006 Having done a quick Google on the topic, I found loads of useful pages. You might want to look at: http://www.webmoney.co.uk/payprotection Covers utility bills. http://www.unemploymentinsurance.co.uk http://www.moneysupermarket.com Search engine that finds the most suitable policy for you. Hope these are of some use. Link to comment Share on other sites More sharing options...
peardrops Posted September 19, 2006 Author Share Posted September 19, 2006 Brilliant, thank you so much, I will pass them on. You're a star! Link to comment Share on other sites More sharing options...
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