Make a Group income protection claim

You’ll need to complete an Absence Notification Form and send it to us within four to six weeks of your employee’s absence. We’ll then send your employee a Member’s Statement to complete. The completed Member’s Statement will provide us with more details about the cause of an employee’s absence and requests consent from them to contact their GP and/or Consultant. The employee may find our help is at hand guide useful.

Once we’re notified about an employee’s absence, if the cause is related to mental health, musculoskeletal, long-covid or cancer, we’ll automatically refer the claim to our Clinical Team for assessment. They’ll assess the absence in more detail to understand; what daily living activities the employee is capable of undertaking, their medical management plans, treatment pathways the employee is following and whether it is appropriate to adopt a clinical case management approach. This will help us understand whether it would be appropriate to refer the employee to one of our care pathways. We’ll also establish whether it’s clinically suitable to prepare a return-to-work plan. Your employee could also access our range of wellbeing support services where appropriate.

 The Absence Notification Form will require information such as:

• Your details
• Details about your employee
• The cause of your employee’s absence
• The employee’s employment details and earnings

Income payments

In some cases, an employee may not be able to return to work before the end of the deferred period. When this happens, 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.

Ongoing support

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 and to understand if any support can be provided to help them return to work.