Gay income protection

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Direct discrimination because of sexual orientation It is direct discrimination to treat you less favourably because of your sexual orientation than someone of a different sexual orientation would be treated in the same circumstances. However, it is allowed to say that it's a 'gay-friendly' business. It isn't relevant to my situation. Economists and management scholars have been crunching the numbers on this question for over 20 years, and until very recently, nearly all the studies have found an identical result: It seemingly did not budge. Educational establishments such as schools, colleges and universities are not allowed to treat you differently because of your sexual orientation. Most British Embassies now require that the application is made on-line so there is no form number, instead an applicant must follow the on-line instructions.

New policies often come with benefits, which can protect you while you are alive.

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It provides an agreed level of cover payable upon the death of the policyholder to the named beneficiary. For example, if a holiday is offered as couples only, it must be offered to both heterosexual and same-sex couples. They are under considerable pressure of time and you should therefore prepare an index and list your documents under logical headings.

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If you did not have permission to work when you made the application this continues to be the case until you receive a positive decision.