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Coronavirus - Income Protection Advice

Can I claim on my income protection plan?

Can I claim on my income protection plan if I become infected with the coronavirus?

We will always strive to do the right thing by our customers and the simple answer is "yes". We would treat coronavirus infection in the same as if you were to suffer any other health condition that impacted your ability to work.

However, evidence to date suggests the illness is likely to be short-lived (like flu), so will probably not last long enough to trigger a claim.  Your policy document will state when benefit payments start to be made (referred to as the 'deferred period').

If you are employed, this short spell will probably be covered by your employer's sick pay scheme in any case, so there would be no need to claim under your policy.

If you are self-employed, your absence would have to extend beyond the deferred period in your policy before we can pay your claim.

If you are diagnosed as having the coronavirus, and your absence extends beyond the deferred period, we will of course consider a claim. 

Given that people are being advised not to contact their GP if they are having flu-like symptoms, and most people are not being tested for the virus, we will accept the claim with minimal supporting evidence.

Currently customers who are self-isolating as a precaution would not be able to claim unless they become ill. However, we are monitoring this situation daily and may review our position.  Please check the website for updates or contact us for more information if you are in this situation.

If you have any questions or queries please call us free on 0800 316 5049.

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