First of all, thanks all for contributing to this forum, your time and efforts are highly appreciated!
I have received a Final Decision (rejection) from my employer's Group Income Protection insurance (UNUM)
I have asked my employer to appeal UNUM's decision through the FOS (as I am not the policyholder) but they have declined to do so and refused to send me a copy of their T&C with UNUM.
I am still off sick with bipolar and anxiety disorder and my claim is roughly around 16k£
Any suggestions? I feel like my only recourse at this point is against my employer