Ellipse improves employee insurance

The chief executive of Ellipse, John Ritchie, said that ‘actively at work’ conditions are widely used by insurers to protect employers from taking on individuals who are absent from work due to sickness absence.

However, because absent employees carry a higher risk of claiming, they will not be covered until they return to work under the provider’s revised conditions.

Mr Ritchie said: “We will now ask employers to tell us about their employees who have had a history of taking off significant chunks of time, at least four or more whole weeks, in the year before the cover started.”

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He added that, by looking at what has happened in the recent past, rather than arriving at a cover date and suddenly being faced with a problem, the provider’s new approach will give employers, and their advisers, far more certainty about who is or is not covered.

Adviser view

Richard Birch, technical consultant of London-based Lark Life and Pensions, said: “Ellipse has responded positively to our feedback and recognised the potential difficulties surrounding ‘actively at work’.

“By revising its approach, Ellipse is reinforcing its commitment to provide advisers with innovative solutions that offer real value and make its proposition stand out from the pack. ”