Making a claim

The insured employee needs to meet the definition of incapacity set in the policy before a claim can be made. Payments usually start within five working days from when we accept the claim. To help injured or ill employees receive appropriate support, we find it's useful telling us of absences as soon as possible.

What if an employee can't return to work?

In some cases, an employee may not be able to return to work before the end of the deferred period. In these circumstances, provided medical information meets our policy definition, we'll start to pay benefits monthly in arrears to you. We’ll continue to pay the benefit until the employee’s illness or injury stops meeting the policy definition of incapacity, they leave employment or they reach the age we’ve agreed with you to end benefit payments. It is your responsibility to deduct income tax and a national insurance contribution before any benefit is paid to the employee.

During this absence, we'll continue to review the employee’s condition regularly to help assess their progress and to help ensure you have up to date information on your employee and their illness or injury.

For further details of our cover and how we assess claims, please refer to our PDF file: Group income protection technical guide PDF size: 1.3MB .