Claiming on Income Protection Insurance

In the event of your being unable to work due to illness or injury, and should your income have ceased, then you will probably need to claim on your Income Protection Insurance.

Claiming on Income Protection Insurance Tips 

Here are some tips to help you access your income protection:

• Make sure that you are entitled to claim your Income Protection. Although your policy might cover you for disability income protection, you need to be aware that not all critical illnesses that prohibit you from being unable to work are classified as disability. Be absolutely sure that you are covered for income protection before lodging a claim.
• Once is has been determined that you qualify to claim income protection cover, you then need to collect all the relevant requirements to lodge the claim. A vast amount of income protection claims get "knocked back" due to insufficient supporting evidence being available.
• If you need to lodge a claim for disability income protection then you need to make sure that you have evidence from your medical practitioner to support the fact that you have a medical condition that prevents you from working.
• Scheduling is of utmost importance when you are lodging a claim. In order to ensure that your claim is dealt with promptly and efficiently you need to make sure that all documents to be lodged regarding the claim have been speedily processed in order to prevent delays.
• Be forthright with your replies when presenting your claim, as insurance companies will check that all the information provided is deemed to be true and correct, failing which your claim may be rejected.
• Assist the insurance company wherever possible by agreeing to any of their requests, including being examined by a doctor nominated by them.

Follow these tips and make claiming on your income protection insurance policy as easy as possible.