How Does an Income Protection Claim Work?
To claim income protection, notify your insurer when you become unable to work, then submit medical evidence from your GP or consultant. After your chosen deferred period (4 weeks to 12 months), your claim is assessed. Once approved, you receive tax-free monthly payments until you recover. About 91% of claims are paid.
The Claim Process
Notify your insurer
Contact your insurer as soon as you know you'll be off work - don't wait until the deferred period ends
Submit medical evidence
Provide GP letters, consultant reports, and any requested medical records
Deferred period passes
Wait for your chosen deferred period (4 weeks to 12 months) before payments can begin
Receive monthly payments
Once approved, receive tax-free monthly payments until you recover or policy ends
Frequently Asked Questions
What evidence do I need to make a claim?
You'll need a GP or consultant letter confirming your condition and inability to work. Some insurers have their own medical assessment process. Keep all medical records and correspondence.
How long does a claim take to process?
Initial assessment typically takes 2-4 weeks. After your deferred period ends and the claim is approved, payments usually begin within 14 days. Complex claims may take longer.
What is the deferred period?
The deferred period (or waiting period) is how long you must be unable to work before payments begin. Common options are 4 weeks, 8 weeks, 13 weeks, 26 weeks, or 52 weeks.
Can I claim more than once?
Yes. Unlike critical illness which pays once, income protection can pay for multiple claims during your policy. Each new claim starts a fresh deferred period.
Related Questions
This page provides general information only and does not constitute personal financial advice. Income protection insurance products and their terms vary between providers. Always read the policy documentation carefully before purchasing. Your Home Finance is authorised and regulated by the Financial Conduct Authority.