Thanks for the replies....it sort of bears out what is/will be happening around here.
Somewhere during the time we were 'Serco-ised' (1994 to 2004) we lost our insurance. Serco went 'self insuring' if thats not an oxymoron.
Now the management are claiming that adequate cover cannot be purchased from the insurance world and that the Long Term Disability Insurance they have arranged is a better alternative.
Regards