Riley v Direct Line Insurance Group [2023]

Background:

The claimant was employed as a home claims adviser from March 2012 until his contract was terminated in September 2018.   The claimant was enrolled on the respondent’s private health insurance scheme and had taken an upgraded version of the scheme offering support until retirement age in the event of incapacity.

The claimant was disabled in line with the Equality Act 2010 by reason of Autistic Spectrum Disorder (‘ASD’).   From 2014 until October 2017 the claimant was absent due to anxiety and depression.  The claimant received 80% of his salary under the health insurance scheme.  Following an assessment there was a four stage return to work