Med discharge - Pax £2500 per unit

[dazzamac29]

Hey guys just found out today that you can also claim pax if you are being med discharged, the sum you will receive will depend on the amount of units you had when your injury/illness first happened, and you are still paying them even if you have lowered your units.

You need to know your discharge date and have your letter from Glasgow and have to send a copy of that with the form, your PRO or clerk should be able to assist with the form.

1 unit = £2500
15 units = £38000

And so on

Speak to your chief clerk at your unit or if you are under a PRU ask your PRO to get you a claim form.

You aren't claiming for your specific injury/illness you are claiming for med discharge.

Correct me if I'm wrong if there are any ninjas out there, I've had my discharge date for weeks now and only just found this out so thought I would share it incase anyone else is unaware.

Cheers

 

[The_Duke]

Hey guys just found out today that you can also claim pax if you are being med discharged, the sum you will receive will depend on the amount of units you had when your injury/illness first happened, and you are still paying them even if you have lowered your units.

You need to know your discharge date and have your letter from Glasgow and have to send a copy of that with the form, your PRO or clerk should be able to assist with the form.

1 unit = £2500
15 units = £38000

And so on

Speak to your chief clerk at your unit or if you are under a PRU ask your PRO to get you a claim form.

You aren't claiming for your specific injury/illness you are claiming for med discharge.

Correct me if I'm wrong if there are any ninjas out there, I've had my discharge date for weeks now and only just found this out so thought I would share it incase anyone else is unaware.

Cheers

You are sort of correct.

The claim would be under Section B, Item 1b.

The relevant clauses are:

g. We will consider claims under item 1b
of section B (permanent disabilities) for
medical discharge from the armed forces
only, when the last day of service occurred
more than two years after the date of
bodily injury, if as a direct result of their
bodily injury the insured person:

i) has for the two year period immediately
following their bodily injury undergone
continuous care of a medical
practitioner, medical consultant or
other medical specialist for optimum
treatment of their bodily injury and
the insured person has been unable
to return to work in any capacity as a
result of their bodily injury during the
two year period; or

ii) has failed an official HM Regular Armed
Forces, a Mobilised Reservist or on
Full Time Reserve Service or Non
Regular Permanent Staff return to work
programme.


Discharge more than two years after the injury plus either of: 2 years continuous medical treatment and unable to perform any duties during that entire period, or failing an official return to work programme are the triggers, not just being discharged.

 

[dazzamac29]

This kind of throws me off track a little now as my injury /illness started Feb 13 but my discharge date is 21 Aug 14, to me from what you have said means I'm ineligible

My PRO told me to get the claim form sent away.

Can you send me a link to the document you got that from so I can have a little read or upload it to this thread please.

Cheers mate

 

[dazzamac29]

I find that really hard to digest btw, unless I'm reading wrong what you have said, correct me if I'm wrong:

2 people with the exact same injury but 1 guy gets all his stuff sorted quicker(i.e med board/treatment) than the other and gets discharged before the 2 year point gets nothing but the other can claim under this.

Don't understand why this can be.

 

[dazzamac29]

Or is it actually meaning that if it has taken more than 2 years from your discharge date you need to have been receiving medical treatment for that period and not that you got injured then we're ok for a while then it resurfaced and you had to get med discharged after 2 years of that initial injury, that sounds more realistic to me.

Any takers on this 1.

 

[The_Duke]

Caveat:

I don't work for PAX, so this is my interpretation of the clause, but based on a very good understanding of how this stuff works.

There is a whole list of injuries which give rise to a payment for a specific claim, and the very big payouts are for injuries which are likely to permanently affect your ability to work.

This benefit is for being permanently unfit for military service (ie serious enough to warrant discharge), but doesn't trigger the benefits for the other sections.

If they left it triggered only by discharge, there is scope for people claiming for any and every med discharge, regardless of age, treatment plan, time back at work after the injury etc. this drives the claim costs higher and higher, which in turn drives premium higher and higher.

The clause means that the injury has to have been given every chance of recovery (ie 2 years), has been subject to a medical treatment plan throughout, and has been serious enough throughout the 2 years to stop you going back to work.

Unfortunately, it sounds like you fall outside of the scope, but the only way to be certain is to claim and see.

@PAXBloke is the man who is really in the know.

 

[PAXBloke]

This kind of throws me off track a little now as my injury /illness started Feb 13 but my discharge date is 21 Aug 14, to me from what you have said means I'm ineligible

My PRO told me to get the claim form sent away.

Can you send me a link to the document you got that from so I can have a little read or upload it to this thread please.

Cheers mate

An illness will not be covered, but if you are discharged solely as a result of injuries sustained in an accident within two years then it should be fairly straight forward. How much is paid is dependent on the level of cover held at the time of the accident. However, as The Duke has indicated, this is in addition to any payment for injuries relating to the accident itself and there is a £20,000 cap per unit for claims under Section B (payments for hospitalisation, breaks, burns etc are on top of this though).

It is common for people to still be paid outside the two year window when they are undergoing treatment or, as The Duke mentioned, didn't make it through a 'back to work' programme.

The challenge is that service life brings all sorts of physical conditions that are unrelated to specific accidents, and PAX only pays for bodily injuries caused by accidents. So the longer the time between accident and claim, the harder it is to distinguish those injuries and normal physical deterioration caused, for example, by carrying around a mortar baseplate.

As to the details, The Duke pulled from the Terms and Conditions. The current version is here, http://www.paxinsurance.aon.co.uk/paxinsurance/PersonalAccident/assets/PAX_Policy_Document_2014.pdf

Feel free to pm for specific information