Income Protection claims faqs

Income Protection Benefit claims

We appreciate how difficult things can be when you’re unable to work, which is why we train our team to understand your personal situation.

These FAQs have been designed to help you with any questions you have, when making an Income Protection claim. If you can't find the answer to your question, please call us on 0800 027 9830 between 9am to 5.00pm Monday to Friday, and we'll be happy to help you. We may record and monitor calls.

How long will my claim take?

This heavily depends on how quickly we receive the relevant information from your GP / specialist or employer. Please provide any letters that confirm your diagnoses, as this may help us progress the claim more quickly.

Why have you asked for a medical report?

We need to understand the nature of your illness, to determine whether you meet the policy definitions and therefore have a valid claim.

I'm self-employed: What information will you need from me to assess my claim?

We'll need:

  • Copies of your last 3 years tax returns
  • Copies of your last 3 years accounts
  • Copies of your last 3 years dividend statements if you’ve received them
  • Copies of any fit notes or medical certificates you have
  • Copies of any medical letters or reports from your medical team.

I am in employment: What information will you need from me to assess my claim?

We'll need:

  • Your last 3 months wage slips before your incapacity
  • Your last P60 issued before your incapacity
  • Your P45, if you’ve left your employment
  • Copies of your last 3 years dividend statements if you’re a director of a limited company
  • Copies of any fit notes or medical certificates you have
  • Copies of any medical letters or reports from your medical team

How much will you pay if my claim is successful?

The amount will depend on the policy you purchased, any limitations on that policy and any other payments you're receiving. Please check your documents, or you can call us to discuss.

Do I need to cancel my direct debit?

No. Please continue to keep your policy up to date with payments. Should your claim be accepted, we'll stop the direct debit collections from our end.