Income Protection Insurance – the Benefits

Disability

If you are working and become disabled after the start date and before the end date for at least 30 continuous days, we will pay your monthly benefit. You will continue to receive an amount equal to 1/30th of your monthly benefit (payable monthly in arrears) for each further day that you remain off work until the end date or, you stop being disabled or, we pay 12 Monthly Benefits for each Disability claim. Disability benefits will not start until you consult a Doctor.

However, if you complete a self-certification form (from your employer) for the first 7 days of disability, you will be classified as disabled for those 7 days. We will only pay you disability benefit if a Doctor is regularly treating you for the condition causing your disability. If you have made a disability claim which ends for whatever reason, you will not be able to make another disability insurance claim until you have been in continuous work for 30 days if the disability is different or, 180 days if the disability is the same.

Unemployment

If you are working and become unemployed after the start date and before the end date for at least 30 continuous days, we will pay your monthly benefit. You will continue to receive an amount equal to 1/30th of your monthly benefit (payable monthly in arrears) for each further day that you remain off work until the end date or, you stop being unemployed or, we pay 12 monthly benefits for each unemployment claim.

If two periods of unemployment are separated by 3 months or less we will treat this as one continuous claim but we will not pay any benefit during any time you were not unemployed between these periods. If the two periods of unemployment are separated by more than 3 months, you must return to work for a total of 6 continuous months before you can make another unemployment claim.

If you are receiving unemployment benefit and want to start temporary work, which will continue for less than 6 months, please let us have details in writing before you start this work. We will not pay any benefit during the period that you are not unemployed. However, when the temporary work finishes, your unemployment claim may continue and we will treat this as one continuous claim. The most we will pay for this continuous claim is 12 times the monthly benefit in total.

If you are self employed and wish to make an unemployment claim, your business must have ceased trading and you must be registered for Job Seekers Allowance and informed the Inland Revenue that you are no longer in business.

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