Disability Income Protection & Key Person Cover

How to make a claim (guide)

The Insurance Company must be notified by the client or the Adviser of the client’s inability to work. (This may be by telephone, email or in writing).

Requirements for Disability Income and Waiver of Premium Claim are as follows:

• Evidence of age (only if not previously admitted)
• Full birth certificate and
• Marriage certificate (if a married woman), or passport, or certified copies thereof*
• Policy document
• Proof of income to establish indemnity value
• Best year’s corresponding tax return and
• Last three years full set of accounts or
• Payslip
• Evidence of claim payments from any other source (example ACC)
• Completed Claim form and
• Completed Medical certificates
• Monthly progress claim forms completed by the client and
• Evidence of other income is required at regular intervals throughout the life of the claim.

Further documentation which may be requested by the Insurance Company.

An Employer’s statement
An independent medical report by an approved medical practitioner (at Insurance Company’s expense) may be required at any time.

Steps:

When all requirements have been met and the claim has been admitted, (subject to underwriting) the claim is paid monthly in arrears once the waiting period has been completed.
If monthly progress claim forms and medical certificates are not received, no further payments will be made and the claim file will be closed.
Once the client is back at work the claim file will be closed.
Payment is by direct credit to the current policy owner.

*must sight originals or copies certified as true and correct by a solicitor or a JP or other person authorised to take statutory declarations.