Hi, I am evanech and I need help

evanech

Hi all,

I need some guidance as it seems to me that at this point I will be better off living on benefits full time (it is not my intention to insult anyone), let me explained.

I was diagnosed with fibromyalgia almost 20 years ago, and I have been working a the time, full time job, which I know it doesn't seem credible for some people, but I have managed it just right.

I have worked for local government for 14 years and bullied fir the last 2 (that is for another time), so I decided to work though an agency and at the same time I have to move out of my rented property (20 years), so here is the problem I have.

To get An estate agency ti be ok with my new job (around £100000as a consultant) i need to get a income protection insurance, which is almost impossible due to fibromyalgia, even though I haven had symptoms for years. I also have a benign brain tumour and apparently overweight. So, I have been advised by the insurance company to get full time benefit and I may even get a house.

What About those like me that enjoyed work and is really what keeps me going ( I work as a special needs advisor).

I think it is so wrong and I just need a breakthrough, and I cannot get a guarantor. Who has money to cover theirexpenditure and someone else. Also council is saying that I have a good job so they cannot help, I have a good job but unable to rent a house.

I hope it didn't come as a moaning but imagine, they complaint about too many people out of work due to disability and those that like me is able to work, we don't get any support to continue having the main neccessities met.

If you got to here thank you and if you didn't, thank you too

poppy123456

With all due respect, I wouldn't hold out your hopes of "getting a house" if you're claiming benefits either. This isn't such a simple walk in the part as some people think it is. Many privately rented landlords will refuse a tenant claiming benefits and if you can find one then you'll be extremely fortunate.

MW123

@evanech

I am really sorry to hear about the difficult circumstances you are facing. Unfortunately, I’m not able to offer advice on benefits or securing social housing, but I hope another member of the community may be able to provide some guidance. That said, I do have a few suggestions you might want to consider.

When it comes to income protection insurance, it is true that having fibromyalgia can make it more challenging to secure coverage, as many insurers view pre-existing conditions as a risk. However, there are still options available. If I were in your situation, I would recommend seeking a financial advisor who is knowledgeable about the best insurance companies offering ASU insurance. These policies typically cover up to 65% of your gross income (or 90% of your net income) for a period of 12 to 24 months.

Additionally, it may be worth considering private landlords, as they can often be more flexible than traditional estate agencies. They might be more open to negotiating terms that suit your specific circumstances.

Wishing you all the best.