Making a claim

There is usually no limit to the number of claims that can be made while the policy is in force.

1. Employer to complete internal assessment

Employers should complete their usual human resources procedures to determine whether the employee qualifies for early retirement according to the rules of the pension scheme. Employers need to send us the employee’s completed medical consent form as this enables them to share medical evidence with us and allows us to request more information if appropriate.

2. Submit claim within 90 days of decision

Employer and employee need to complete a claim notification form (1.1mb pdf) and send it to us within 90 days of the decision to retire the employee due to ill health.

3. Claim assessed

We’ll assess whether the claim is valid under the policy terms and give the employer a decision within 5 working days of receipt of all necessary information. We may need to ask for additional information or clarity on the details received.

4. We’ll pay the benefit if:

a. the employee qualifies for and takes ill health early retirement under the rules of the pension scheme; and

b. after assessing all the medical evidence, the employee meets the definition of permanent incapacity under the policy.

5. Eligible claims paid within 5 working days

We aim to pay benefits within a further 5 working days of receiving all required information. The agreed amount will be paid to the pension scheme trustees. Whilst the amount is unlikely to exactly match the actual fund strain at the time of claim, it is designed to significantly reduce the employer’s liability.