That the disputes committee of the Financial Services Complaints Institute (Kifid) determined in a case of a disabled woman against her insurer.
The decision comes down to incapacitated people can not (re) insurance for AOW gap that occurs due to the government by January 1, 2014 has increased the state pension age. ” This problem will only grow as more people thus face, ” a spokesman said in a statement.
It affects disabled people in the past before they became ill, insurance ENDED whose the deadline joined on the starting date of the state pension at 65 years of age.
Because the retirement age has been increased by the government on January 1, 2014, will receive an unknown number of people dealing with a hole, where no claim can be made on a disability pension or a state pension.
Offset
For the woman concerned is that period of three months, during which they receive no benefits. The woman claims her
According to the Kifid committee provides the relevant insurer, Loyalis damage, like other insurers who are not sick or the possibility with him to insure. They should have to pay a higher premium.
Damage may Loyalis people who were disabled before, this scheme exclude. ” From a legally prohibited discrimination (discrimination) is not the case here, ” the committee concluded.
She also points out that insurance against incapacity of someone who is already incapacitated runs counter is the so-called uncertainty principle: the insurance only covers uncertain events
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