Employer healthcare referral

[XFDreamer]

I've been refereed to a healthcare company after a period of sickness at work. This is purely procedure and I am happy to attend anything the company ask me to do.

Where I am a little unsure is regarding the appointment they have yet to send me. It's possible it may be just a telephone appointment but it's also possible I may have to attend an appointment in person.

I am expecting the appointment to be made in company time but I may be expected to attend in my own time for which I would expect to be paid.

My question regards my car insurance. If I have to go to a surgery for the appointment and I'm being paid by the company am I on company business? My policy covers me for SD & P and commuting to one address for work. I never use my car on company business and therefore have not covered myself for it.

Will my insurance cover me to drive to the appointment?

[BertBert]

Long shot, but perhaps your insurer might be able to help?

[XFDreamer]

Cheers Bert

Just made the call and I wouldn't be covered on my policy.

I guess they'll have to hire me a car or call a cab.

[Bill]

Class one business use (iirc that's right, the lowest level) has never cost me anything.

[Mandat]

XFDreamer said:

I've been refereed to a healthcare company after a period of sickness at work. This is purely procedure and I am happy to attend anything the company ask me to do.

Where I am a little unsure is regarding the appointment they have yet to send me. It's possible it may be just a telephone appointment but it's also possible I may have to attend an appointment in person.

I am expecting the appointment to be made in company time but I may be expected to attend in my own time for which I would expect to be paid.

My question regards my car insurance. If I have to go to a surgery for the appointment and I'm being paid by the company am I on company business? My policy covers me for SD & P and commuting to one address for work. I never use my car on company business and therefore have not covered myself for it.

Will my insurance cover me to drive to the appointment?

If you are going to a doctor's appointment because of your illness, then the usual SD&P provisions of your cover should suffice, surely?

You're not making a business trip therefore class 1 should not be required in the usual way.

[XFDreamer]

Mandat said:

If you are going to a doctor's appointment because of your illness, then the usual SD&P provisions of your cover should suffice, surely?

You're not making a business trip therefore class 1 should not be required in the usual way.

I'm not going to a doctors appointment because of my illness though. I am fit and well now.

The company require me to attend an appointment to make sure I'm not taking the piss. (I'm not and have proper medical certificates from my own doctor to prove it)

It's the same as the company asking me to attend a meeting at another company depot and expecting me to provide my own transport. My insurance policy doesn't cover me as confirmed by them earlier.

I will not be changing my policy to include business cover regardless of any cost to me. If they require me to go then they will have to get me there.

[Vaud]

Take this the right way but you come across as having a massive chip on your shoulder.

Man up.. :-)

Class 1 would probably cost you nothing. Given it's your job (potentially) at stake, even if it is £20 admin fee, pay it and look at the big picture... lest you cut off your nose to spite the face.

Principles are super, right up to the point you don't have an income... save them for the big issues in life.

[Mandat]

XFDreamer said:

Mandat said:

If you are going to a doctor's appointment because of your illness, then the usual SD&P provisions of your cover should suffice, surely?

You're not making a business trip therefore class 1 should not be required in the usual way.

I'm not going to a doctors appointment because of my illness though. I am fit and well now.

The company require me to attend an appointment to make sure I'm not taking the piss. (I'm not and have proper medical certificates from my own doctor to prove it)

It's the same as the company asking me to attend a meeting at another company depot and expecting me to provide my own transport. My insurance policy doesn't cover me as confirmed by them earlier.

I will not be changing my policy to include business cover regardless of any cost to me. If they require me to go then they will have to get me there.

I understand your point, although I would have not considered going to a doctor's appointment as a business trip for insurance purposes. I'm sure that a lot of the general public wouldn't give it much thought either.

I always have class 1 insurance on my cars (it costs nothing to add to my policies) therefore it wouldn't even have crossed my mind to consider that your situation would require anything more than a standard motor policy for SD&P.

[bitchstewie]

Vaud said:

Take this the right way but you come across as having a massive chip on your shoulder.

Man up.. :-)

Class 1 would probably cost you nothing. Given it's your job (potentially) at stake, even if it is £20 admin fee, pay it and look at the big picture... lest you cut off your nose to spite the face.

Principles are super, right up to the point you don't have an income... save them for the big issues in life.

I suppose it's all down to context and we don't have much, but I must admit that was pretty much my first thought when I read it.

[George111]

XFDreamer said:

but I may be expected to attend in my own time for which I would expect to be paid.

If you're on min wage then yes but if you're on a salary and have been paid full or at least useful part salary during your illness then this might show you in a poor light.

[XFDreamer]

Vaud said:

Take this the right way but you come across as having a massive chip on your shoulder.

Man up.. :-)

Class 1 would probably cost you nothing. Given it's your job (potentially) at stake, even if it is £20 admin fee, pay it and look at the big picture... lest you cut off your nose to spite the face.

Principles are super, right up to the point you don't have an income... save them for the big issues in life.

Vaud, I didn't mean it to come across that way.

I have to be honest and say I'm not really interested in attending this meeting. It's fairly pointless, they can't sack me for being off sick with a genuine illness and its because I've triggered a stage in the company sickness policy which has to be followed up.

I think maybe the company ought to "man up" and provide me with the means to attend the appointment they so badly need me to go to.

[Jasandjules]

XFDreamer said:

It's fairly pointless, they can't sack me for being off sick with a genuine illness and its because I've triggered a stage in the company sickness policy which has to be followed up.

Um, do you want the bad news? Look up "capability dismissal".

In this case however the logic of the process escapes me - you are no longer ill?

[XFDreamer]

Jasandjules said:

Um, do you want the bad news? Look up "capability dismissal".

In this case however the logic of the process escapes me - you are no longer ill?

Exactly, I am no longer ill so what a doctor's appointment is going to prove is beyond me.

I am very much capable of doing my job although I wasn't at the time mainly because the medication I was taking which advised against driving or operating machinery.

Hard to do when you're a HGV driver.

[Mandat]

XFDreamer said:

Jasandjules said:

Um, do you want the bad news? Look up "capability dismissal".

In this case however the logic of the process escapes me - you are no longer ill?

Exactly, I am no longer ill so what a doctor's appointment is going to prove is beyond me.

I am very much capable of doing my job although I wasn't at the time mainly because the medication I was taking which advised against driving or operating machinery.

Hard to do when you're a HGV driver.

In light of the Glasgow bin lorry crash, they are probably wanting to cover themselves by having you checked out by an independent doctor, rather than relying on your own assessment.

[George111]

XFDreamer said:

Jasandjules said:

Um, do you want the bad news? Look up "capability dismissal".

In this case however the logic of the process escapes me - you are no longer ill?

Exactly, I am no longer ill so what a doctor's appointment is going to prove is beyond me.

I am very much capable of doing my job although I wasn't at the time mainly because the medication I was taking which advised against driving or operating machinery.

Hard to do when you're a HGV driver.

Because you've been ill and on drugs which affect your performance your employer is probably just wanting to double check you are fit for work - any accidents will affect their reputation so it's understandable they want to have a letter they can stand behind. I've heard of office workers being asked to do this too.

[bitchstewie]

What's the context?

10 minutes drive, 2 hours? 20 minute appointment or 3 hour full medical?

[Vaud]

XFDreamer said:

Vaud, I didn't mean it to come across that way.

I have to be honest and say I'm not really interested in attending this meeting. It's fairly pointless, they can't sack me for being off sick with a genuine illness and its because I've triggered a stage in the company sickness policy which has to be followed up.

I think maybe the company ought to "man up" and provide me with the means to attend the appointment they so badly need me to go to.

Fair enough. But I would take the long view in this case and politely advise them you will cover the costs of this one, and any future ones will be at their cost?

[Bill]

XFDreamer said:

I have to be honest and say I'm not really interested in attending this meeting. It's fairly pointless, they can't sack me for being off sick with a genuine illness and its because I've triggered a stage in the company sickness policy which has to be followed up.

They could sack you (or at least make life awkward) for not attending a meeting mandated by their policy, no?

[XFDreamer]

bhstewie said:

What's the context?

10 minutes drive, 2 hours? 20 minute appointment or 3 hour full medical?

I've no idea. As I said in the original post it may be just a telephone appointment.

[XFDreamer]

Bill said:

They could sack you (or at least make life awkward) for not attending a meeting mandated by their policy, no?

Nowhere in this thread have I said I won't attend the appointment.

If I'm required to follow the correct policy then I will.

However if I'm required to conform to policy then is it unreasonable to expect my employer to as well?