Originally Posted by
fliion
Anyone know what the meaning in the letter today from API “reduce the benefit payout to six months” means ?
Under the latest API Rules 4 December 2017
DEFINITIONS
SELF-REPORTED DISABILITIES: A disability characterized by manifestations that are not verifiable or conclusive using tests or procedures accepted as standard medical practice OR are historically limiting to one’s employment from an aviation regulatory point-of-view but are not limiting to a person’s major life activities, such as performing strenuous physical tasks, walking, speaking, learning, eating or breathing OR include, but are not limited to, one or more of the following: chronic fatigue, any allergy or sensitivity to chemicals or the environment, chronic pain conditions, obstructive sleep apnoea, insomnia, vertigo, dizziness, nausea, loss of consciousness, headache, pain, Medically Unexplained Physical Symptoms (MUPS), Meniere’s Disease, Migraines, Idiopathic Generalized Epilepsy, Chronic Fatigue Syndrome, Fibromyalgia, Multiple Chemical Sensitivity Syndrome, Systemic Exertion Intolerance Disease (SEID), fatigue, loss of energy, stiffness, soreness, ringing in the ears, numbness, itching, sudden or rapid or unexplained loss of hearing, sudden or rapid or unexplained loss of visual acuity, colour.
What this means is that if you lose your class 1 medical because of any of the conditions mentioned above (AND Harvey Watt & Co do not cite pre existing condition)you may be awarded six months basic salary and nothing more. Previously the plan would have paid up to age 60 or 65 depending on when you put in your claim.
If you combine the exclusions presented in the above definition with the unannounced new definition of pre existing condition there is a higher chance your claim will be denied.