FMI Income Protector

When the broker tells you that you only need a doctors sick certificate. Believe me it is not that easy. I have been battling with COVID since the 25th December. The doctors diagnosed me with long COVID (POTS). I was booked off by a specialist up and till the 7th February. I have still not fully recovered and ended up in hospital again with high blood pressure and heart rate. I could not see the same specialist again as he was full booked up and till August. My GP then booked me off further. They would not accept the GP sick certificate. The GP then referred me to another specialist. The specialist booked me off with a clinical note explaining why she has booked me off. They still will not accept it. I have not been able to work from the 7th February up and till now and they refuse to pay me out. I am now sitting with the symptoms and no funds to pay my bills.