Archive for the ‘Insurance’ Category

Letter to David Gawke……. further correspondence ,further excuses


 

 

 

 

 

 

 

 

 

 

 

We published the letter  from Independant Researcher Mo Stewart to the then SOS David Gawke on our blog ,  who highlights the excuses the DWP come up with to excuse the ideological bullshit of welfare reform even though many other academic researchers in the UK have torn it to shreds time and again and the harm they are causing to those who have the misfortune of being disabled or chronically ill. Since then this independant researcher has continued to point out their shortcomings and exposed the UK Government repeatedly while they deny rightful entitlement to those who need state support and deny that their policies are causing harm to UK citizens with sometimes fatal consequences. This is the latest series of correspondence published for all to see.

 


 

 

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The Letter David Gauke will not be expecting and won’t want to receive


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Image Courtesy of the The Telegraph

 

Mo Stewart – Independant Researcher WCA……..After her letter to Mansel Alyward one of the architects of the WCA and  her extensive research and publication of her book Cash Not Care , Mo Stewart has sent a explosive letter to the current Secretary Of State David Gauke. I have been granted permission to use it for my blog. One thing that springs to my mind is I would love to be a fly on the wall when he reads this to see his face. For too long now this government as blagged it way to convince the public it is justified to cut benefits to disabled people. This researcher keeps holding them to account.

Redacted Letter to SoS David Gauke by Gail Ward on Scribd

https://www.scribd.com/embeds/368603275/content?start_page=1&view_mode=scroll&access_key=key-OfbQJpuEQVhzoVpl48LA&show_recommendations=true

 

Mo Stewart -Independant Researcher writes to Mansel Aylward -WCA


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Independent Lead Researcher Mo Stewart and Author of Cash not Care has been a thorn in the side of those who came up with the biopychosocial model of disability for many years and has been relentless in her determination to bring to the attention the harm being caused to disabled people by the WCA assessment process which has instilled fear and dread amongst the disabled community. I am publishing her letter to this man  in May 2017 as those in the community and beyond need to read her work and her book, about the demolition of the welfare state. This hasn’t been accidental process but one that has been designed , and even when respective governments have been told this is a flawed process governments continued to use it with deadly effectiveness.

Redacted Letter to Mansel Aylward Public Health Wales by Gail Ward on Scribd

https://www.scribd.com/embeds/368592854/content?start_page=1&view_mode=scroll&access_key=key-Y0JF0JK0uyx1xVvAjeuk&show_recommendations=true

IAPT -The Governments Magic Cure for Mental Health


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Most people will have heard of CBT therapy for helping those with mental health problems, some may have received it and felt it helpful,but for the majority with serious mental health problems this will not make a jot of difference and in some cases cause more harm. What is insidious about this is that it will be forced upon those who claim Social Security payments in helping them get back to work with their new  health and work programme which is integral to Universal Credit.

This is most likely going to be part of the so called ”Universal Support’ in Universal Credit where the government has target groups, and I’m sure this isn’t the worst of the many packages this government proposes to force upon those groups mentioned in my other blog ‘Universal Support’.

The government in its wisdom wants to half the disability employment gap which most governments have failed to do consistently for decades. The base rate of 5% has never really changed,so it is folly for them to think so , as employers are reluctant to take on people who have mental health or other disabilities let alone the many with chronic ill health which is never catered for in any policy they dream up.

Work is not a ‘cure for all ills’ as this government would like to peddle to media and swallowed by the gullible public who seem to resent our very existence until they are affected personally because of selfish desires not to pay taxes for those needing support from the state,which I hasten to add have paid their own taxes until they became mentally unwell or disabled, so are eligible to claim payment,after all that’s what NI was all about an insurance to cover you if you fell on hard times .

In an ideal world it should be standard practice for disabled people to obtain work on merit if able, but it all comes back to that real issue of ‘productivity and profit’ so  majority of disabled people don’t tick that box precisely because we are not as productive as our able bodied counterparts by the very nature of disability,being off sick when things are bad, hospital appointments,or regular treatment or surgery.

Its a no- brainer to a rational thinking person, but we know our government don’t think like normal people, they just dream up pointless expensive schemes to waste taxpayers money to show the public they are doing something even though they have demonstrated  most fail and cost more than paying benefits in the first place.

Many more dark oppressive schemes are coming to light so we must be vigilant and stand up against forcing people to be so distressed that they harm or worse death to its citizens. It is not like we don’t know how many have decided to end it all over the constant pressures they are put under daily by the DWP monsters, who are out of control.

 

 

 

 

 

 

Revealed….How Private Insurance Moves to Replace the Welfare State


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Image Courtesy of Legal & General

 

I have in many of my blogs mentioned the fact that Insurance was to replace the welfare state, many still don’t think it will happen well listen up, it is around the corner and thanks to deregulation via brexit it going to happen, and would have happened sooner if EU law had not protected you. There will many who will live to regret the vote for Brexit.

The government has finally introduced it ugly game plan and they wont stop there as the same insurance company is linked to social care which is undergoing a review also.

Looks like insurance for care through legal and General. Names of independent experts invited by government to provide advice and support engagement in advance of the green paper:

Caroline Abrahams – Charity Director of Age UK
Dame Kate Barker – former Chair of the King’s Fund Commission on the Future of Health and Social Care in England
Sir David Behan – Chief Executive of Care Quality Commission
Dr Eileen Burns – President of the British Geriatrics Society
Professor Paul Burstow – Chair of the Social Care Institute for Excellence
Jules Constantinou – President-elect of the Institute and Faculty of Actuaries
Sir Andrew Dilnot – former Chair of the Commission on the Funding of Care and Support
Baroness Martha Lane Fox – Founder and Executive Chair of Doteveryone
Mike Parish – Chief Executive of Care UK
David Pearson – former President of the Association of Directors of Adult Social Services and Corporate Director for Social Care, Health and Public Protection at Nottinghamshire County Council
Imelda Redmond – National Director of Healthwatch England
Nigel Wilson – Chief Executive of Legal and General

Quotes Linda Burnip DPAC

Many income related benefits are being moved across to Universal Credit the governments flagship policy which is sinking fast as the holes in this policy are more flawed than the WCA where more complex claimant issues are exposing the holes in a policy which in theory was meant to revolutionise social security and catapult it into 21st century. Well now their focus are those on contributory JSA/ESA which they plan to be part of the Social Insurance Scheme and the only reason they have not done so already is quoted below

Had contributory benefits been abolished whilst UK social
security was bound by EU law, this would have exposed Universal
Credit (the significantly larger budget) to exportability. In light of the
British vote to leave the EU, however, there is now the possibility of
reforming contributory benefits without breaching EU law.

Employers and all those with a stake in this horrendous policy will not just be looking at savings made, but also the huge concern is denial when it comes to delivering on payouts as long as the state doesnt have to foot the bill. Insurance schemes around the globe are littered with claims of those who took out Insurance only to be denied it  upon making a claim leaving many no option but to be destitute or borrow money to take companies to court to get what was rightly their’s in first place. We keep hearing that state support isn’t sustainable, NHS isn’t sustainable yet majority of the country fell for the last National Insurance Scheme which isnt paying out either, due to an empty pot, which is incredulous really given some dont live to collect a state pension, and those who do never get payments reflecting the thousands they paid in over 40yrs of their worklife.

The only winners here are the banks who underwrite such policies. However Legal & General have Capita to manage the shareholders assets Capita’s Shareholder Services Team is available to answer any questions that you have in relation to your Legal & General shareholding.

and non other than….

  • Group Health and Safety Committee – Chaired by Ian D Smith – Head of HR, Shared Services.

It sure as hell is a murky business, this government is up to its neck and following it mantra “we are all in it together”

So whats the crack I hear you all say get to the point, well this is how it meant to work:

The larger the number of premium payers, the lower the risk profile across the total claimant

population and the lower the total cost of enrolment. L&G estimate
a cost of around 0.5% of payroll earnings at approximately £11 a
month. Total pay-out would be £900 a month for a maximum period
of one year, with a 50% replacement rate.6
After one year, a claimant would return to the state benefit system.
A total of £10,800 could be claimed via the social insurance product.
Ultimately this ‘rainy day guarantee’ has been designed so that a
claimant would receive more than they otherwise would have on
state welfare, and so that significant costs are delivered to both the
taxpayer and to employers.

Individuals
previously eligible for contributory JSA and ESA would fall into one
of three categories: ‘full Universal Credit entitlement’, ‘partial entitlement,’
and, finally, ‘no entitlement’. The projected annual savings
from individuals who fall under ‘no entitlement’ and have no welfare
claim would amount to £60m from JSA and £290m from ESA per annum. Total savings over the 2015–2020 period would come to
approximately £1.66bn

So when many breathed a sigh of relief they were not included in Universal Credit  , they soon will be under a different process.

Read Documents Here:

https://drive.google.com/file/d/1QBdAdIfZCAv4uC5L_zK8ozaPE0WCHxQj/view?usp=sharing

https://drive.google.com/open?id=1iuQAL0YlsiVS8ypZn3P3jQWEvou3eFAG

 

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