There will be a point where my pension pot will outweigh the need for it.I stopped my critical illness cover, at my age and employment it stopped being cost effective.....
Shaun
There will be a point where my pension pot will outweigh the need for it.I stopped my critical illness cover, at my age and employment it stopped being cost effective.....
Shaun
I have critical illness insurance as well as life insurance.
Ive known people like that In one of my former employers. A few considered it 'normal' or 'their right' to take a couple weeks off now and then.When I worked in the steel trade it was quite common for some of my work colleagues to take their thirteen weeks sick leave annually, they knew how to work the system and always had sick notes etc, i reckon they were on good terms with their local gp, probably shared the same local boozer or something.
And people blame politicians for the demise of British heavy industry...When I worked in the steel trade it was quite common for some of my work colleagues to take their thirteen weeks sick leave annually.
Well yes, the buck for this culture stops with the managers' managers aka governments.And people blame politicians for the demise of British heavy industry...
Ive known people like that In one of my former employers. A few considered it 'normal' or 'their right' to take a couple weeks off now and then.
I'm not sure there's any statistics on it. Many people are self-employed because they have long-term illnesses which doesn't affect their day-to-day activities but means they know they will need maybe 1.5 to 3 days/year of medical care at times not entirely of their choice. Usually that will be as leave, but employers seem to assume it'll be sick days and act as if there will be more despite it being actually less likely as any "healthy" worker may have an undiagnosed illness and it's diagnosis which is often unpredictable and time-consuming.Can I ask, do most self employed workers not have insurance in case they are unable to work?