I’m just wondering if you are entitled to a death in service benefit by contract, catch coronavirus and eventually die from it - the catch part is easy enough as a truck driver. I suppose it’s a matter of being able to prove you got it while working which probably is going to be the hard part (well your beneficiary would have to prove it on your behalf since you’re going to be dead). Pretty long shot I think
Any type of medical claim always falls or stands on proving causation.Probably in this case all on the definition of in service or outside of it.
Suspect that would depend hugely on the terms since it’d be almost impossible to prove a direct link. There’ll be so many carriers who don’t show which is a big issue in a claim.
As for whether catching a virus while working is covered at all. Some should be covered as long as your employer has made the insurance co aware such as various diseases for people working around rivers a lot.
If it is covered, you can bet they would write it out next year.
Any one who has a ounce of common sense
Is at home self isolating so will be fine ,
It’s only the cab happy heroes who are
Frightened to take a week off who will
Die !!! You reap what you sow !!!
Yes, doesnt matter what I die from (apart from suicide obvs) 4 or maybe 5 times salary, cant remember. Another reason to pay the union dues, so you get and keep all these benefits. Full sick pay from day 1 wether got it or just self isolating because someone in the household has symptoms too.
Death in service means while you are employed not while you are working
How does one go about claiming DiSB? Does anyone know anyone who’s successfully claimed it on behalf of next of kin or another third party, bearing in mind the recently deceased will hardly be claiming it themselves eh?
Winseer:
How does one go about claiming DiSB? Does anyone know anyone who’s successfully claimed it on behalf of next of kin or another third party, bearing in mind the recently deceased will hardly be claiming it themselves eh?
You fill in a form at the start of your employment notifying who your next of kin are.
Next of kin notify company that ‘John’ won’t be in work today as he is dead, ‘benefit’ is paid out*
*there may be a small amount of paperwork involved
Jimmy McNulty:
Death in service means while you are employed not while you are working
Yeah I don’t know about that…
ETS:
Jimmy McNulty:
Death in service means while you are employed not while you are workingYeah I don’t know about that…
Yeah well I do … you could die on your own toilet seat and you would be paid out under a death in service benefit.
If your death was found to be in part caused by your employer, in your case catching covid 19 and dieing due to your employers actions or lack of, your representatives would be awarded compensation at court covered by your employers liability insurance
Jimmy McNulty:
Winseer:
How does one go about claiming DiSB? Does anyone know anyone who’s successfully claimed it on behalf of next of kin or another third party, bearing in mind the recently deceased will hardly be claiming it themselves eh?You fill in a form at the start of your employment notifying who your next of kin are.
Next of kin notify company that ‘John’ won’t be in work today as he is dead, ‘benefit’ is paid out*
*there may be a small amount of paperwork involved
Is it really that simple?
I ask, because I know of a certain gentleman who didn’t get a forthcoming DiSB payment to his family - because they apparently had not requested it within a short period after his sudden death from Chron’s Disease…
FFS if a full-blown enquiry is going to be made following such an application, rather than just “Please post the death certificate, and you’ll get the cheque for 30k by return of post”…
What family whilst grieving - is going to want to jump through any hoops at all - when the process that should be “automatic” - clearly is NOT?
The LAST thing a would-be insurer should be doing - is looking into things like “Causality” as if it made a bloody difference when someone dies from this sudden death, but not that acceptable kind of sudden death, presumably… 
Winseer:
Jimmy McNulty:
Winseer:
How does one go about claiming DiSB? Does anyone know anyone who’s successfully claimed it on behalf of next of kin or another third party, bearing in mind the recently deceased will hardly be claiming it themselves eh?You fill in a form at the start of your employment notifying who your next of kin are.
Next of kin notify company that ‘John’ won’t be in work today as he is dead, ‘benefit’ is paid out*
*there may be a small amount of paperwork involved
Is it really that simple?
I ask, because I know of a certain gentleman who didn’t get a forthcoming DiSB payment to his family - because they apparently had not requested it within a short period after his sudden death from Chron’s Disease…
FFS if a full-blown enquiry is going to be made following such an application, rather than just “Please post the death certificate, and you’ll get the cheque for 30k by return of post”…
What family whilst grieving - is going to want to jump through any hoops at all - when the process that should be “automatic” - clearly is NOT?
The LAST thing a would-be insurer should be doing - is looking into things like “Causality” as if it made a bloody difference when someone dies from this sudden death, but not that acceptable kind of sudden death, presumably…
I can’t speak for all companies but I used to work within insurance and would deal with claims similar to this … it was a fairly automatic process but they were a fairly decent, mutual company. There was still timeframes and exceptions but generally it was as simple as sending a copy of the death certificate
One reason for not throwing in your notice when given a bad prognosis, if your still on the company books, even if your sick pay has run out, is Death in service pays out.
One of my old bosses at DHL made sure a colleague’s widow got paid out with DISB, even after the guy had been off nearly twelve months.
Not all bosses are this thoughtful and not all companies offer this benefit.
When my late wife died a few years back due to cancer the firm she worked for paid out strait away I knew nothing about this DISB, she had to fill in a form when she first started working for them naming the beneficiaries and how the money was to be shared out. She worked for a well known Legal company so they sorted everything out.
Ossie
Yes, this makes sense. The Big ‘C’ has to be the one main thing that delivers a prompt payout, as we’ve all known colleagues over the years that have succumbed to cancer “whilst off sick” rather having been given a medical discharge beforehand, which presumably nullifies any DiSB…