Protecting you if you’re unable to work due to illness or injury
Also known as Permanent Health Insurance, this benefit typically pays out if you're unable to work due to an incapacity which results in loss of earnings.
The definition of ‘incapacity’ is explained in your policy terms and conditions. Payment is usually based on a percentage of your earnings and will start once a pre-agreed period after you became incapacitated has passed (deferred period). This can be anywhere between one day and 12 months but in the majority of our policies is either 13 or 26 weeks.
Regular monthly payment continues until the earliest of the following events:
- return to work;
- any specified maximum period advised in the policy;
- the policy cease date;
- your retirement; or
During the time benefits are paid monthly premiums are usually waived, but this will be confirmed in your terms and conditions.
Customers with Business Income Protection policies will need to demonstrate that the insured’s incapacity has caused financial loss to the business. Our team will be able to tell you how to do this.
When you contact us, you’ll need to let us know:
- Policy number
- The reason why you've been unable to work
- How long you've been unable to work
- Details of your current occupation and income
Make sure you have these to hand if you call, or include in your letter if you write. If you call we’ll try to speed up the process by getting as much information as we can from you, so you may be on the phone for 15 minutes or more.
What happens next?
After you’ve contacted us we’ll issue a claim form which you’ll need to complete and return, along with any supporting documentation - our Claims Team will be happy to help you if you’re unsure of anything.
We’ll then contact your GP/Specialist to get the necessary medical information to support your claim.
If you have any letters or correspondence from your hospital or GP relating to your incapacity, please send these in as we may be able to pay your claim quicker. In addition, we may ask for additional financial information in order to help us confirm your pre-incapacity income to determine the amount of benefit payable.
We’ll keep you updated throughout the process and let you know if we require more information.
Once all the information is received we will complete our assessment of your and notify you of the outcome. Any payment due will then be paid as requested in your claim form.
Income Protection claims are regularly reviewed whilst in payment to confirm they’re still valid.
While you’re waiting for the claim to be settled you should continue to pay your premiums. You should also let your doctor/s know that we may be writing to them, as this may speed up their response.
The Shaw Trust - Support for disabled and disadvantaged individuals
MIND - the mental health charity
Gov.UK - information about Employment and Support Allowance.
Gov.UK - information about driving with a disability
Disability Rights UK - helping disabled people participate.
The Samaritans - round the clock telephone support for people in need
NHS Choices - Helping put you in charge of your healthcare.