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I really need some help and advice! Please read this and let me know if you can help either in the comments or by email.

As some of you may know, when I first left work completely in May last year I put in a claim for income protection under my work places insurance policy.

8 months later and I’m still jumping through hoops to try and get this sorted. Twice now the insurance company has “regretfully declined my claim” because I do not have an official diagnosis from my doctors clearly stating what they believe is wrong with me.

I’m at a loose end, unsure what my next step should be.

Obviously, I am working with my doctors to try and get a definitive diagnosis but they’re all more interested in treating my symptoms and trying to get me well enough to return to work. We’ve seen the doctor assigned by the insurance company and his report stated that he couldn’t give “a substantive physical diagnosis” but would expect me to be well enough for a graduated return to work early this year.

This does not only effect me but also E and my extended family as I have had no income since I used up all my leave at work around 6-7 months ago.

Have you experienced these kind of issues with your insurance claims? If so, how did you resolve them?

Do you have any suggestions on what steps I can take to move this forward?