Making a claim

1. Notify us about a claim

Claims can be made by completing our online Absence Notification Form

2. Member statement

When we receive the Absence Notification Form we will contact the employee and ask them to complete a Member Statement. The employee will be able to complete this online if we are provided with their email address on the Absence Notification Form.

3. Claims management and support

Where appropriate we’ll refer the claim to our in-house rehabilitation team. They’ll assess what support we can provide to facilitate a return to work before the end of the deferred period. Your client will be kept updated throughout the process.

4. Claim payments

In some cases, an employee may not be able to return to work before the end of the deferred period. In these circumstances, provided medical information supports the absence and the claim meets the definition of incapacity on the policy, we'll start to pay benefits monthly in arrears to the employer.

We'll continue to review the employee’s condition regularly, to make sure the claim continues to meet the definition of incapacity on the policy. This will also help us understand, what support could help the employee return to work.