Founded in 2008. The Landscape Juice Network (LJN) is the largest and fastest growing professional landscaping and horticultural association in the United Kingdom.
LJN's professional business forum is unrivalled and open to anyone within within the UK landscape industry
LJN's Business Objectives Group (BOG) is for any Pro serious about building their business.
For the researching visitor there's a wealth of landscaping ideas, garden design ideas, lawn advice tips and advice about garden maintenance.
Replies
Pru Health here and I pay £30 per month.
im getting booked as we speak for NHS shoulder operation as we speak...
its always too late. i have None and never have.
maybe get bills paid with u.warehouse as i pay £2 p/m they changed from club fee to insure 2 mths ago. luckily.
but £30 x 24 mths is £720 - you have to weight it up.
i may be off work for min 6 weeks possibly 4 months ! do they pay full loss of earnings?
i know hospital plan is different etc
out of 3,200 members - just you ! lucky you if you need it i say. next year i may join you, too late again ..
Andrew @ The Outsidedge said:
How are they related or similar ?
My two surgeons clearly don't think these organs are similar
Whilst very Ill I was in no state to go legal route (drugged up on painkillers) so suffered financial hardship and cancelled all pensions insurances etc
I now "work hard " & "play hard and sod the future
My mate roger Hayward was the first person to die in the storms two weeks ago (all over the news ) after getting electrocuted by removing a fallen tree in his lane
Roger worked for 60 years and had a work ethic like me, I believe now more than ever ur should live and achieve now not wait till ur old and infirm, cos life can go wrong anytime
Lol bit heavy this comment, but I think insurance ís a joke
BUT
My liability insurance paid out after I accidentally put a stone through a patio door with a strimmer and caused £900 of damage, that claim was made by a letting agent on behalf of a landlord in armed forces, I have been lucky to get further work from this letting agent and now do some lucrative commercial work for him
So def have ur business insurances in place, but I personally create my own luck or misfortune
As yet I have never caused myself to break any bones ever !!! ( touch wood )
Luke brooks said:
Well I suppose they are both part of the digestive system and connected together but as you say, some insurance companies will try and avoid payment..... usually "cheap" ones.... you get what you pay for.
I know what you mean about insurance though....... if you've just got yourself to think about, its a bit easier to take a chance on things...... if there's a mortgage to pay and you've a "family" at home, perhaps its a bit different. My missus "insisted" we took out this life insurance policy on me years ago (fixed payment if you died... nothing else).... was costing us £50/month and we were really short of money at the time. Cancelled it and decided to take a chance on things as I realised the missus wasn't looking after me any-more!!!
I looked in to income replacement insurance. The problem is balancing premiums against things like the time before they pay out, what they pay out for etc.
The income replacement was terrible. They work on the figure from your tax return, so it's only your "wages":
no money to cover any ongoing business costs. They then reduce it by any benefits you are entitiled to, and I think 3 months was the shortest delayed payment time to be even affordable, let alone worth looking at. I think, at the time, I'd have be paying nearly a third of my income to get a policy that kicked in after one month.
My boss is a mortgage broker, and she is very keen on life cover if you have dependants, as it's very cheap for what you get. Critical illness is also good with a mortgage and kids, but the income replacement plans just don't add up for me.
I like your attitude Luke.
Luke brooks said:
I have been looking into this recently, I've got a appointment with Nationwide come Tuesday. So far they have said they expect me to pay £86 per month and I'll get 60% of my earnings after 4 weeks from a accident (that leaves me out of work) and will pay continuously up to retirement (should that be the case..) but £86 seems like a lot, and that's income protection, not that its injury specific.
One of the things I was wondering and I'll need to speak to a accountant, is will I be able to offset my tax against paying for something like income protection? I mean us self-employed folk should pay less national insurance, as I've heard we can't came like the "employed folk do so". Not sure I understand the ins and outs but its definitely something I will look into.
Don't forget your wives/partners, won't they lose out if your out of work....this income protection is to protect them, just as much, to protect ourselves
£40ish per month. gives me only £250 per week, not much I know but will pay the mortgage and a few bills.
Probably would be cheaper if you are younger, I'm 50.
They pay out after 4 weeks.
Lloyd and Barnes
£6 per month for up to 5 employees. Pays out 75% of my gross pay after 14 days absence. Plus 75% of their gross pay to me to help cover temporary staff costs. Plus lots of other legal Help.
Sound to good to be true?
Had the guy out with me on Friday trying to sell.
-
1
-
2
of 2 Next