Relocating whilst taking sickness insurance benefits

I am retired and my wife is on long term sick leave with mental health issues. She is in receipt of a proportion of her salary through her employer's Group Income Protection policy and benefits cease on the earlier of her return to fitness, age 65, retirement. I really cannot see her ever being fit to return to her old job (policy covers "own employment") and she has been receiving payment from the scheme for 3 years to date.

We would like to relocate to the coast but It crossed my mind that the insurance company and/or her employer might seize on this as her making herself unavailable for re-employment and therefore a reason for terminating her employment/benefit payment. Am I right to be concerned?

Clearly you are right to

Clearly you are right to think that this needs to be looked at.

You need to check the detail of the insurance scheme. Is retirement an option for her?

Profile: solicitor for 30 + years dealing mainly in commercial transactional and dispute work, but with a broad range of experience - insolvency, environmental, employment and more. NB you are reminded of this forum's terms and conditions - the exclusion of liability applies to all replies you are given. What I say should not be relied on as legal advice

I'm afraid that this

is not a matter of general law, rather a matter of commercial policy. You need to examine the GIP carefully and if necessary seek clarification on an informal basis.

Profile: Interested in the subject

Thank you atticus

Thank you atticus

Profile: Male age 71, retired with wife age 61 on long term sick leave

Thank you Law Interest

Thank you Law Interest

Profile: Male age 71, retired with wife age 61 on long term sick leave

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