Clean It Up
UK Window Cleaning Forum => Frequently Asked Questions & Useful Resources => Topic started by: JAG on June 01, 2005, 08:35:04 pm
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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 . :(
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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.
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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 :(
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Hey Matt that sounds not bad - who is it with? I know a rainy day fund is better, but.......
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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
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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.
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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?
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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