[JAG]

In the event of a window cleaner being signed off work how can we cover ourselves for cash or do just have to settle with SSP .

[windows_chepstow]

I take it you're saying you've been certified as 'sick' by a doctor and cannot window clean?

I think you should visit your local benefits office or citizens advice bureau for information on what benefits you may be entitled to for the period you're sick.  I take it SSP stands for Statutory Sick Pay?  I bet it's not much.

Being self-employed has its downsides.  We should all have a 'rainy day fund' set aside to cover at least a months worth of illness (not that I have - yet).

There will also be insurance policies you can get to cover things like illness; but I'm guessing they'll be expensive - and a 'rainy day fund' might work out cheaper in the long run.

[matt]

i pay 35 quid a month to a insurance company, they will pay me 360 a week for the first 6 months then half of it if i never work again

though ive paid it for 2 years and not made a claim yet

[Bob McKillop]

Hey Matt that sounds not bad - who is it with? I know a rainy day fund is better, but.......

[matt]

its with a "local building society" you know the real local are type

none of this nationwide pretend to be a society but act like a bank jobbie

[windows_chepstow]

i pay 35 quid a month to a insurance company, they will pay me 360 a week for the first 6 months then half of it if i never work again

though ive paid it for 2 years and not made a claim yet

I'm not against insurance; but what are the terms and conditions for this?

I bet there's reams and reams of small print. 

Recently I read about a woman who was diagnosed as diabetic (quite a severe case) and her accident and illness policy wouldn't pay out; even though it should have covered her for diabetes.

Why?

Because she never told the insurance company that prior to taking out the insurance; she had went to see the doctor with itchy eyes.  Nothing came of it, she just got some eye drops or something.

However; the insurance company said that itchy eyes can be a sign of diabettes and they might have required her to take further tests had she declared it.

The end result was she did not receive a penny.

The moral is to check your insurance's small print.

[AuRavelling79]

Question for Matt:-

Does it pay straight away or do you have to wait a number of weeks/months being off sick before they start paying?

[matt]

Question for Matt:-

Does it pay straight away or do you have to wait a number of weeks/months being off sick before they start paying?

thats why i pay slightly more of a premium, i wanted it to start after week 1

if you want it too start after week 2 or 4 or 8 then the price goes down

windows_chepstow --- ive yet to test the policy, as i said, they are not like a "pretend to be a building society BUT act like a back" they only have 1 branch and have been going for over 200 years, so i hope they will be fairly good, ive only heard good things about them