Your Income Protection Claim

Before you begin...

When you are off work due to illness or injury, we understand the value of an efficient and quick claim decision. Reading through and following the steps below will help us review your claim and process it as quickly as possible.

IMPORTANT THINGS TO CONSIDER

  • Please ensure you answer all questions. If the question is not relevant, then please answer ‘not applicable’.
  • Please ensure that you understand the wait period on your plan before submitting this form, as we will not pay your claim until after this period. If you do not know your wait period, you can find it in your plan documents or by clicking here.
  • If you are within the first 7 days of your incapacity and are self-certifying, but cannot provide a medical certificate, our claims team will enclose a self-certification form via email which we will accept to cover this period.
  • If you are currently on maternity leave or have recently returned from maternity leave, please contact the claims team on [email protected] before filling out this form.
  • Please do not give false, fraudulent or incomplete information.
  • Please do not provide illegible documentation or difficult to read answers. Doing this will cause delay in the assessment of your claim.

Once you have submitted this form, the claims team will be in touch via email. Please ensure that you have the following documents available upon request, in order to complete your application:

  • A copy of your passport or driving licence.
  • After the 7th day of your incapacity you will need medical evidence and we will require you to supply us with a Med3 certificate from your GP.
  • If you are self-employed, you will need your:
    - Professional accounts
    - Self-assessment tax submissions for the last 3 years.
  • If you are employed, you will need your:
    - Last two months payslips
    - Most recent P60.

How we process your claim

We will try to process all income protection claims as quickly as possible, however, failure to carry out the above steps will lead to your claim being delayed or possibly declined. Once we have received all your information, a claims handler will review your submission.

Please note, as part of the claim process, we may require your medical records and our claims handler will contact your doctor for further information. When all the information has been received, we will be in touch to confirm the outcome of your claim.