self employed and sickness benefit

[shellabnett]

Hello wonder if anyone can help my husband is a self employed milkman and has been told that he has to have a op on his knee very soon he will be off work for between 3-6 months does anyone know what if any benefits we will be able to claim. We have loads of debts and 3 young children and I'm scared we will not be able to live

Thanks Shell xx

[honeybee13]

Hello there and welcome to CAG. I hope we'll be able to help you.

 

While you're waiting for the people who know the answers to come along, here's a benefit calculator. If you type in your financial details, it should give you an idea of your entitlement. It's all anonymous, no need to give your name.

 

My best, HB

[Nystagmite]

Self employed people haven't paid the correct NI (class 1, I think) so it's only income based benefits he'll get. What he gets depends on savings and your income.

[jdes26]

Self employed benefit

Don't quote me but I think it kicks I'm after 12 weeks

[shellabnett]

Thanks we have no savings and only my husband works so will have no income at all while he is off I've been trying to find out what we can claim and how much all day on the dwp website but can not find anything for self employed people. He does pay each week into a employment policy and we thought he would be covered by that but after phoning them today to ask about how to claim they have said as its not a illness and the injury is due to wear and tear he is not covered.

[honeybee13]

Hello again. Just in case, would you be able to post up the wording of the policy about claiming for illness, etc please? Insurance companies don't always get it right.

 

My best, HB

[shellabnett]

it says

sickness

should the Insured contanct an illness which prevents them from carrying out their normal occupation (Dairyman) this provides them with £300 a week (or normal weekly wage if less) payable for a maximum of 26 weeks

 

Thats all it says there is nothing about if you need a op or anything xxx

[honeybee13]

Thank you for that. It's not a very helpful wording, is it? There are plenty of reasons why you might not be able to work. Would you mind telling us what kind of policy it is please?

 

My best, HB

[shellabnett]

its milk distrinutor's Franchisee insurance scheme with willis it covers him for everything to do with his round ie theft, damage to his truck and personal accident xx

[frank fist]

Any resolution with this?

[shellabnett]

They said he was not covered so unfortuntly he's not been able to have the op

[frank fist]

so whats your next step going to be.