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WRU slammed over insurance

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Jayden Gibbons: Injured on tour.

Jayden Gibbons: Injured on tour.

A PONTHENRI mother has attacked the Welsh Rugby Union after it turned out that her son was not fully insured while on a club rugby tour.

15 year-old Jayden Gibbons was playing for Pontyberem RFC on a club tour to Ireland. In a game against Cork Dolphins he snapped his fibia and tibia in a tackle. “I tried moving my leg, and my ankle just fell to the floor,” he said.

Jayden was rushed to Cork University hospital with two club coaches in attendance. “They asked me how much pain I was in on a 1-10 scale, and I said 7, and they gave me pain relief and put a back slab on,” Jayden told us.

Even though his mother, Amanda had signed a form giving permission for the coaches to give consent to operate, she received a phone call that night saying that she had to go to Cork to sign a consent form. She left immediately and arrived in Cork early on Sunday morning. One of the club coaches had stayed with Jayden overnight. “The coaches were brilliant,” she said.

“When I got to the hospital, the consultant said that they wanted to operate, but he was sixteenth on the list, and they said it would be at least Wednesday before they could operate. Then he went down to 19th. They explained that we’d have to stay in Ireland for at least a few days after for Physiotherapy and checks, and they couldn’t put a time frame on how long we’d be there. I asked if it was possible to take him back to Wales for treatment, and the consultant gave consent and all the x-rays and medical details. They advised us to fly back.”

Meanwhile, back in Pontyberem, the club were in talks with the WRU. Before leaving, they had asked what insurance was necessary, and had been told to take out travel insurance, which everyone did. The club said that they received an email from the WRU which told them that players were insured during matches.

However, when they informed the WRU of the situation, the only response they got was that they would only pay out in cases of fatality or life-changing disability. Amanda then received a bill for the treatment that Jayden received in Ireland.

“If we had known they were only covered for fatality and disability, we’d have taken out our own insurance,” Amanda said.

“The coaches asked the WRU if we needed extra cover, and they said no, only travel insurance.”

Jayden’s leg has now been set, but he can’t walk on it for three months, and faces at least three months of recovery after the plaster is taken off.

Thankfully the club had raised money for the tour through its own fundraising activities, and they generously paid for Jayden’s treatment, as well as Amanda’s travel expenses.

“The club and the coaches have been amazing – I can’t thank them enough – but the WRU should have done this,” she pointed out.

She also thanked the hotel where Jayden stayed in Ireland, who let her stay there for free while she waited for news, and Stena Ferries, who helped transport Jayden home.

Amanda advised any club thinking about touring outside the UK to check the insurance policy thoroughly.

The Herald contacted the WRU asking for clarification on their insurance policies, but despite repeated phone calls, and emails, no one had responded at the time of going to press.

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Compensation offered after FSCS declares Llanelli firm in default

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CONSUMERS could get back money they have lost as a result of their dealings with a failed regulated firm in Llanelli, Carmarthenshire. The firm is Hayden Williams Independent Financial Services Limited formerly Assura Protect, Room 1, 7 Meadows Bridge, Parc Menter, Cross Hands, Llanelli, Carmarthenshire, Wales SA14 6RA.

The firm was declared in default in June 2019 by the Financial Services Compensation Scheme (FSCS).

FSCS is the UK’s statutory compensation scheme that protects customers of authorised financial services firms that carry out certain regulated activities. A declaration of default means FSCS is satisfied a firm is unable to pay claims for compensation made against it. This paves the way for customers of that firm to make a claim for compensation with FSCS.

Alex Kuczynski, Chief Corporate Affairs Officer at FSCS, said: “FSCS steps in to protect consumers around the UK when authorised financial services firms go bust. This vital service, which is free to consumers, protects deposits, insurance, investments, home finance and debt management. We want anyone who believes they may be owed money as a result of their dealings with this firm to get in touch, as we may be able to help you.”

Since it began in 2001, FSCS has helped more than 4.5m people, paying out more than £26bn in compensation.

If you wish to make a claim with FSCS against Hayden Williams Independent Financial Services Limited, you may be able to do so using FSCS’s online claims service at https://claims.fscs.org.uk Or you can contact its Customer Services Team on 0800 678 1100 or 020 7741 4100

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Disabled people hit hardest by changes to benefits

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CHANGES to the welfare system over the past ten years have left disabled adults four times worse off financially than non-disabled adults, according to new research commissioned by the Disability Benefit Consortium, a coalition of over 80 UK disability organisations.

While many people who receive welfare support have experienced cuts of an average of £300 as a result of changes to the welfare system, disabled people have typically lost around £1,200 per year.

. The research, funded by the Three Guineas Trust, is the first comprehensive study looking specifically at the cumulative impact of welfare changes on disabled people, and conducted by the University of East Anglia, the University of Glasgow and Landman Economics.
The research also found:

. The more disabilities you have the more you lose out, for example someone who has six or more    disabilities loses over £2,100 each year on average, whereas someone with one disability loses around £700 each year.

Households with one disabled adult and one disabled child lose out the most, with average losses of over £4,300 per year.

Today’s report by the Disability Benefits Consortium (DBC), ‘Has welfare become unfair – the impact of changes on disabled people’, which is based on this research, looks at the financial impact and lived experiences of welfare reform on disabled people over the past ten years.

As part of the research, 50 people living with a variety of conditions and disabilities were interviewed about their experiences. People said that they found the application and assessment processes highly stressful, and that they did not feel trusted, and constantly challenged.

The DBC also state that the current system has become so complex and dysfunctional, that many disabled people have found it has had a devastating impact on their wider health and wellbeing.

Pam McGee, 48, from Kent, was diagnosed with multiple sclerosis (MS) in 1994, which severely impacts her mobility. After a PIP assessment in 2017 she lost the higher rates for both the mobility and daily living components, which means her support was cut by £290 a month and she no longer qualifies for a Motability car. She’s now appealing the decision and says the stress caused by this process has impacted her health. She said: “If I lost my car, I don’t know how I’d carry on. I’m terrified I’ll be out of a job because without the car I won’t be able to get anywhere. If I can’t work at the age of 48, I would lose all of my pride. People always ask ‘What’s your name and what do you do?’ My job is what defines me.

“In the last 10 weeks I’ve had a massive relapse. I went dizzy and lost all feeling in my left leg. When I spoke to my neurologist he said the relapse was probably caused by stress. I’ve also been depressed and eating less.

“PIP has caused me and my family a lot of anxiety and stress. It’s caused my MS symptoms to worsen, which has reduced my mobility, confidence, and ability to take care of myself physically as well as mentally.”

The DBC say that the failure to include disability premiums as part of Universal Credit, and poorly designed assessment criteria are just two examples of the problems that are leaving disabled people worse off and is calling on the Government to make urgent improvements to the welfare system to ensure it works for everyone.

Michael Griffin, Research Lead for the DBC and Senior Policy Adviser at Parkinson’s UK, said: “For the first time, our research has shown just how much disabled people are bearing the brunt of the disastrous changes to welfare.

“Many disabled people have not yet even experienced the full extent of the cuts because they are still waiting to be moved over to Universal Credit. However, when this happens there will be a surge in poverty among those who are already at a crisis point.

“This is simply disgraceful and cannot be allowed to continue. The Government must make urgent improvements to the application processes and assessment criteria, and resolve the flaws in Universal Credit before more people are denied the support they desperately need to live independently.”

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Ysgol Pontyberem officially opens its doors

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PUPILS, staff, governors and invited guests have come together to celebrate the official opening of Ysgol Pontyberem.

A total of £4 million has been invested into refurbishing and re-modelling the school, along with a new roof, floors and walls.

The full refurbishment was funded equally between Carmarthenshire County Council and Welsh Government through the 21st Century Schools initiative.

A special ceremony was held in the school hall, where invited guests and dignitaries were entertained by pupils and the school choir.

Headteacher, Mr Gareth Owen, said: “Two years of building work has passed in order to achieve the goal, but the journey has been worthwhile. I would like to thank the councillors and officers at Carmarthenshire County Council for investing in our school. The cooperation between us has been vital in order to achieve all of our aspirations. A firm foundation has been set for the future of our pupils.”

During the ceremony, Chair of Governors, Mrs Deris Williams, said as part of the celebrations a new school motto ‘Creu’r Wên, Caru’r Iaith’ has been created by parent of the school and Chaired Bard, Aneirin Karadog.

Ysgol Pontyberem is the latest school to be delivered through Carmarthenshire County Council’s Modernising Education Programme (MEP) which aims to give every child in the county access to first class accommodation and facilities.

To date, around £280 million has been invested in Carmarthenshire schools, including 10 new primary schools, two new secondary schools, 41 major refurbishments and extensions and work in 12 other schools.

Executive board member responsible for education, Cllr Glynog Davies said: “It’s great to see the children and staff at Ysgol Pontyberem have settled in to this totally refurbished school. There’s now plenty of room inside the school with great facilities and a spacious play area outside. It’s a school fitting for the 21st century. We have given a promise that we will do our best for education in Carmarthenshire and that is what we are doing under the Modernising Education programme.”

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