WATCH OUT FOR FMI

When signing up with FMI, be very careful what you sign up for. They never just need a doctors certificate. I am a flooring contractor that spends most of my day overlooking sites, doing quotes, making sure all the material is delivered to site and seeing clients. According to them i only do admin duties. I just had a shoulder operation where it has taken two months of rehab. The doctor booked me off for a further month on light duty to get slowly back into my work routine. It is impossible after two months of rehab just to go back to work like nothing has happened. It has been a absolute nightmare to get them to pay. Doctors motivational letters, report and several email.