Group protection claims
Support and advice when needed the most
Life insurance claims
Since your employer set up the cover, they are the ones who need to make a claim. Once they are notified of a claim, they'll send us a completed claim form.
Your employer might have appointed trustees to manage the cover on their behalf. These trustees have the final decision on who should receive the benefit when a claim is paid. If we have the trustees' permission, we can make the payment directly to your beneficiaries.
You can indicate who you'd like to receive the payment by completing an Expression of Wish form. Ask your employer for the form to express your preferences. They'll keep this securely on file in case a claim needs. to be made.
We’ll aim to pay the lump sum to the trustees, within 5 working days of receiving all the information we need to confirm the claim. The lump sum is normally paid free of income tax. This is based on our understanding of current tax law but this could change in the future.
Yes - as well as providing your beneficiaries with financial protection. Your immediate family can also benefit from other valuable services including bereavement counselling and information on tax and estate issues – all at no extra cost.
You don't need to make a claim to access further support. You and your immediate family can enjoy a variety of services designed to enhance your day-to-day health and wellbeing. You can receive counselling support at any time you need it, get information on legal and financial matters, have access a digital gym, wellbeing resources, as well as fitness and nutrition advice. You can find out more here.
Please note: Where we state “you” we are referring to employees who are covered by the employer’s policy. If you are unsure whether this is applicable to you please check with your HR or benefits team
Critical illness cover claims
If you or a family member covered by your employer’s policy is diagnosed with an illness or condition they're covered for, please let your employer know as soon as possible as they need to send us a completed claim form within 30 days of your diagnosis.
You can check which illnesses we normally cover and what we don’t, here, in our Insured Conditions and policy exclusions appendix. Your employer will be able to confirm which illnesses and conditions you're covered for.
Once we receive the claim form, we’ll contact you (or the person covered) and ask you to complete a Member Claim Form. You can do this online if your employer provides us with your email address. If the claim is for a child, we’ll contact the insured employee.
We’ll need medical information to help us assess the claim, usually from the doctor or specialist treating the illness or condition. We’ll always ask for permission before requesting and reviewing medical details. We’ll then assess the information to see if we need any more details to support the claim.
If a claim is accepted, the payment will be made to the insured employee. If it’s for a child, we’ll pay the parent we’re covering. The benefit we pay is usually free of income tax. This is based on our understanding of current tax law but could change in the future. You can use this payment for whatever you need – to pay for medical treatment, cover your mortgage and other bills or even treat yourself to a holiday to help with your recovery.
Please note: Where we state “you” we are referring to employees who are covered by the employer’s policy. If you are unsure whether this is applicable to you please check with your HR or benefits team.
Yes, you have access to other valuable services to support you. You can benefit from a second medical opinion on your diagnosis and treatment from a global network of specialists, a nurse support service and help with sourcing private treatment. You also have access to counselling help at any time you need it, through our Employee Assistance Programme (EAP) which also provides information on legal, financial and medical issues, as well as access to a digital gym, wellbeing information and fitmess and nutritional advice.. This is all at no extra cost to you. Find out more here.
Group income protection claims
Your employer’s Group income protection policy aims to pay a proportion of your salary to your employer if you’re absent long term from work due to illness or injury.
Your employer should tell us that you are absent from work within four to six weeks of your continued absence. If you’re absent with mental health, musculoskeletal or long covid conditions you will be automatically referred to our Clinical Team for assessment. We’ll send you a Member’s Statement to provide further details about your illness or injury. Where appropriate, you’ll be provided with support to help with your recovery to enable you to return to work. You can find more information on how we process claims in our help is at hand guide.
Before a claim decision being made, there is a waiting period (known as the deferred period chosen by your employer), during which time no benefit is paid. Your employer will confirm if you’re entitled to any payments from them or Legal & General after the deferred period.
As part of this Group income protection policy you have access to a wide range of support to help you manage your health and wellbeing.
You can access counselling support from a trained professional whenever you need it 24 hours a day, 365 days of the year. This is through our Employee Assistance Programme (EAP) which also provides information on legal, financial and medical issues as well as access to a digital gym, wellbeing information and fitness and nutritional advice
You also get access to a Virtual GP, online physiotherapy services and support with managing long term conditions such as Diabetes, MS, stroke and cancer. Find out more.