Advice on Work Situation Please

[MacZidane]

Hello

I am currently on long term sick leave from work with chronic depression and anxiety. I have been off now for the best part of a year. Back in October, work offered me the chance to enter into an income protection scheme, which I accepted an application for. At the time, work said that due to my situation, they would continue to pay me full pay until a decision was made on whether the scheme would accept my application. However, we are now into February, and still no decision has been made on this, and my employers have reneged on their initial promise, as they have now stopped paying me. I cannot return to work until this decision is made (and I'm not fit enough anyway) - Am I in any position to seek any level of compensation either from the employers or the third party administering the income protection scheme, as none of these delays have been my fault. The situation is getting desperate financially, and I don't know where to turn to, which is causing my mental health to deteriorate further. (I have already applied for Universal Credit)

[ULA]

Were you provided the full details of the income protection scheme at the time entering this was discussed with you?

Income Protection Schemes I have known of in the part usually have a waiting period between someone becoming unable to work and the policy paying known as a ‘deferred period’ with a common time for this being 6 months.

Have you spoken to your employer to as to why there is a delay?

[MacZidane]

The delay is mostly being caused by the length of time it's taking my doctor's surgery to send the medical notes to them despite me constantly chasing this. So, again, it's not my fault, but I'm the one being punished due to being ill, broken promises, and lack of communication between my doctors and the IP scheme.

[ULA]

What is your company sick pay policy in terms of how much do they pay and over what period.

Is there a sliding scale?