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Most income protection insurance UK policies will allow you to make a claim
at any time during the period of insurance, after the initial exclusion period.
Be sure to contact your insurers as soon as possible, explaining your situation
in full, so that the process can start rolling into action.
Typically your insurance company will send you a claim form that you will need
to complete and return as soon as possible. You will also need to supply various
pieces of evidence and information as your income protection insurance provider
requires. These might include:
- Termination notice
- Medical information
- Wage slips
- Sick notes
- P60 forms
If you are self-employed you will also need to supply:
- Inland Revenue records
- National Insurance records
- Independent proof of earnings such as accounts and statements.
It is of the highest importance that you provide this information quickly,
accurately and in full as this will affect the speed and efficiency with which
your claim is dealt. If you fail entirely to provide the information required
then it is likely that your claim will not be met at all.
Once you have successfully made your claim, and have qualified for payment, then
benefits are generally paid once a month and in arrears.
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