When am I able to make a claim?

You will normally be able to make a claim under the policy if:

You are working and become unemployed, or if you are unable to work due to accident or sickness for a period of 30 days we will pay you one monthly benefit.

Thereafter payments will continue monthly in arrears until the earliest of the following events:

• The last consecutive day that you remain unemployed or disabled.
• The date you cease to provide evidence that you remain continuously unemployed or disabled. Evidence will be a completed claim form, Jobseeker’s Allowance and a job search diary with supporting evidence of you actively looking for work.
• The date on which you have received maximum benefit payments for any separate period of claim.
• The finishing date of the Income Protection Insurance.

You can make a claim under this Income Protection insurance at any time during the period of insurance providing you notify us as soon as reasonably possible. However, there is a period of 120 days immediately following the insurance start date during which any occurrence or notification of impending unemployment will not be insured. This is known as the initial exclusion period and includes any period of consultation even though unemployment may not take place until after this period.

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