Unreasonable conditions on a group life policy results in ********** claims.

I want to complain about the group life insurance offered to employees at Newcastle Municipality. Employees are contributing every month for such a useless cover. They can only benefit from it once they are dead, or permanent disable, which is unfair. Why do employees not get a certain percentage when they exit the employer system or when they retire?? The way this cover is designed forces people to commit ***** in order to be able to benefit from it, about 90% of people who benefited from the scheme, had to pay doctors to certify them as permanently disabled so that they would benefit. Once a person receives the payout, then they are ok again, is that fair? The most sad thing about this is that at Newcastle Municipality, the managers only support their favourites to exit through medical boarding, so that they can claim from the group life scheme. As we speak, an employee who attacked member of the public is being assisted to exit on basis that he is no more fit, instead of him undergoing the disciplinary procedure, he will be paid by old mutual. There is also someone whose wife had exited via medical board, after it was approved, the wife was ok, and now the husband is busy with his plan to exit on medical board. I am raising this so that Old mutual becomes aware, and change those unreasonable conditions on that policy. The group life policy number is: ***. For more on this contact Newcastle Municipality: ***, I would appreciate if I remain anonymous. My ID number is ***.