Well I don`t understand that at all. Why are you not claiming State Benefits??
Because you are not this then could mean your GP thinks you are fit for work.??
You need a letter from Mr L.(ring his secretary and explain), I think, his would be a good reference or someone medical. Unless Physios are of Court Witness status, they don`t count for anything.
I know all about insurance companies who would "Rather Not Pay". I hope its not cover which can be cancelled in the future??
Best
Alastair
